Deploy your third-party ISO rating engine as a publicly reachable HTTPS service (or accessible via private network to Socotra's cloud); note the HTTPS POST endpoint URL that will receive rating requests
In the Socotra Administration UI (or via the Integrations API), create an external rater configuration: assign a unique name, set the endpoint URL, and optionally configure authentication headers (e.g., 'Authorization: YOUR_RATER_TOKEN') to secure the callback
Edit the product's policy.json configuration file to include the entry 'externalRater': '<your_rater_name>' for the personal auto product; deploy the updated configuration to your Socotra tenant
When Socotra calls your rater, it sends an HTTP POST with the full policy JSON including all characteristic data; implement your rater to extract vehicle, driver, and coverage details, apply ISO rate tables, and return a response with pricedPerilCharacteristics populated
If rating fails or business rules are violated, include an exceptionMessage field in the response body; Socotra will surface this as an HTTP 409 error to the API caller — make error messages actionable for the front-end developer
Test in Socotra sandbox by initiating a quote via the Policy API; confirm that Socotra calls your rater endpoint, your rater returns correct premiums, and the Socotra policy record reflects the rated premium
Known gotchas
Socotra's external rater call is synchronous with a timeout; if your ISO rating engine has high latency (e.g., due to ISO data lookups), optimize the rating path to respond within Socotra's configured timeout — a timeout causes the policy creation request to fail with no partial save
ISO loss costs and factors are licensed data; ensure your rating engine license covers the states and lines of business you are rating — querying ISO data without a license for a given state is a compliance violation
The externalRater field in policy.json is set at the product level; if you have multiple products that use different raters, each product configuration file must independently reference the correct rater name — there is no global default rater
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