Abstract: A system comprising an application server configured to communicate with a client application of a client device that presents an interface for purchasing an insurance policy, the interface comprising a graphical representation including: a carousel for selecting one of a plurality of risk groups, an amount of coverage, and a coverage term on an hourly, daily, or monthly duration, wherein the plurality of risk groups include classes of occupational activities to be covered in the insurance policy. The application server comprises a quoting service component configured to receive a selection of risk group, amount of coverage, and coverage term from the interface, and generate quote data using a concentration ratio of an annual exposure based on the selected risk group, amount of coverage, and the coverage term.