---
path: /non-admitted
title: "Non-Admitted (E&S) — Bind-ready pricing under E&S speed"
description: "How Tesora helps non-admitted (E&S) carriers price submissions in days instead of weeks: triage, manuscript flexibility, deviation accounting."
section: Customers
priority: 0.7
changefreq: monthly
source_file: pages/marketing/NonAdmittedPage.tsx
---
# Non-Admitted (E&S) — Bind-ready pricing under E&S speed

# Price any risk with sophisticated modeling and a simple GUI, no matter how complex

Tesora reads the broker submission, prices the risk, and leaves a per-quote audit trail the chief actuary can sign against. Schedule credits, layered pricing, and class-level severity curves all trace back to the insured's own data — not industry averages and not a self-reported questionnaire.

Built for the desk where the credentialed actuary is the user, the signer, and the decision maker — and the broker wants the quote before lunch.

## The submission shows up the way it always has.

An email, an Excel, a schema nobody agreed to in advance, and a broker who needs the quote before lunch. The MGA on the other side has one credentialed actuary on staff, maybe two, and a stack of files that don't fit any textbook. A small minority of intake comes over an API — the rest is whatever the broker actually sent.

Tesora reads what the broker actually sent. Not a normalized version, not a version someone else cleaned. And it prices to the audit standard a chief actuary signs against. The portal can come later. The quote ships today.

## Submission to bindable quote, one trail.

## The audit pack the chief actuary signs against.

Every bound quote ships with a per-policy audit pack. Not a one-line price. A walkable trail from the broker submission all the way down to the cell of the rater that produced each multiplier.

## The lines that don't fit a textbook.

Hard-to-rate exposures, multi-class programs, and chief actuaries who own the rate plan end to end.

## Two agents carry the specialty desk.

Admitted carrier instead?