VIP Software expands RateIQ advisory cohort for claims intelligence

VIP Software widened its RateIQ advisory program with Cohort 2, opening a selection-based seat at the table for carriers, reinsurers, independent adjusting firms, service providers and insurance technology leaders who want to help shape the next layer of claims decisioning.

The Tampa, Florida company says the expanded cohort is about more than product feedback. RateIQ is powered by millions of actual claims transactions across a growing national network, and VIP says the goal is to deliver objective, anonymized benchmarks, real-time market signals and transparent pricing intelligence that claims organizations have not had at scale. In practice, that points to a claims intelligence layer that could help carriers tighten severity forecasting, pressure-test rate adequacy, compare repair economics and move faster when service-provider performance drifts.

Cohort 2 added AI-powered intelligence, claims benchmarking, API access and a freemium market-seeding strategy, all part of VIP’s larger pitch as an Insurance Claims Intelligence Platform. The company says that platform combines workflow automation, pricing intelligence, marketplace discovery and AI-powered insights, extending a system that already includes billing automation, contract management, SLA tracking, invoice validation, vendor management and benchmarking.

The new advisory cohort follows strong participation in VIP’s first group, which the company said included more than 60 days of feedback sessions with independent adjusters, staff adjusters, IA firms, carriers, TPAs, reinsurers, service providers and other industry leaders. VIP said Cohort 2 took longer to launch than originally planned because of that work, a detail that suggests the company is still shaping the product with users before broader rollout.

That product-shaping stage matters. VIP first released RateIQ on April 9, 2026, describing it as the first phase of a broader effort to build an intelligence platform for the insurance claims economy. The company has framed the effort as a shift from fragmented workflows to unified, real-time intelligence, and founder and chief executive James Makris has cast RateIQ as a claims counterpart to the way financial-market data platforms changed investing.

The company says the cohort is selective, with limited spots and individual review of each applicant. It says the strongest fits include claims leaders at carriers or TPA firms, C-suite or vice president-level insurance executives, principals at independent adjusting firms, technology and product leaders in insurtech and investors with active insurance portfolio exposure.

For carriers, the real test will be whether RateIQ can turn transaction data into something they will trust in everyday decisions. If VIP can make pricing intelligence, benchmarking and API-connected workflows feel dependable enough for operational use, Cohort 2 could become an early signal that claims analytics is shifting from reporting to decisioning.