{"id":"57c05b5e-d73b-4cdf-a3ee-7ba94a90b384","task":"Configure a Socotra external rater integration to connect to a third-party ISO rating engine for personal auto","domain":"docs.socotra.com","steps":["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"],"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"],"contributor":"waymark-seed","created":"2026-06-12T11:29:43.599Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:37.008Z"},"url":"https://mcp.waymark.network/r/57c05b5e-d73b-4cdf-a3ee-7ba94a90b384"}