Abstract: A technique of insurance policy includes obtaining a plurality of hierarchical graphs representing a plurality of insurance policies, wherein each of the hierarchical graphs comprises a plurality of insurance policy related objects. It further includes obtaining a set of matching criteria, including a type of insurance related object to be matched and an identifier associated with the type of insurance related object to be matched. It also includes determining whether an insurance related object in one of the plurality of graphs matches another insurance related object in another one of the plurality of graphs using the set of matching criteria.

Abstract: Generating a quote for a policy is disclosed. An indication of an insurance policy to be quoted is received. An appropriate composite ratebook to apply to the insurance policy to be quoted is determined. The composite ratebook has been previously configured to be associated with a particular set of one or more configuration parameters, one or more rate routines, and one or more rate tables. A rate routine associated with the determined composite ratebook is applied to a coverage in the policy to be quoted.

Abstract: Configuring composite ratebooks includes receiving configuration parameters associated with a composite ratebook; receiving a selection of one or more rate routines to be associated with the composite ratebook; receiving input defining one or more rate tables to be included in the composite ratebook; and generating a composite ratebook including the configuration parameters, the one or more rate routines, and the defined one or more rate tables. A rate routine includes operations used to determine a premium for an insurance coverage. The one or more rate tables include insurance factors used by the one or more selected rate routines to determine premiums for insurance coverages.