Softwr

Insurance · head to head

FRISS vs Semsee

FRISS logo

FRISS

Insurance

Trust automation for insurance

From
On request
Rated
-
Full reviewWebsite
Semsee logo

Semsee

Insurance

Small commercial insurance quoting that sends one submission to many carriers

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Semsee has a free tier, so it costs nothing to try first.
  • Each has a real cost: FRISS no pricing plans, tiers, or costs are published on the website; Semsee the free tier only quotes Semsee's own carrier panel, so the workflow consolidation most agencies actually want, running their own appointments through one form, costs fifty dollars per user per month on top.
  • They diverge on capability: FRISS covers Underwriting risk scoring, Semsee covers Single submission to many carriers.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which FRISS and Semsee actually diverge.

Attributes where FRISS and Semsee differ
AttributeFRISSSemsee
Starting priceOn requestFree
Pricing modelsubscriptionPer user per month
Free tierNoYes
PlatformsWeb, ApiWeb
Founded2006Unknown

Identical on both: user rating (Not yet rated), category (Insurance).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in FRISS

  • Underwriting risk scoring
  • Claims fraud detection
  • Network analysis
  • Real-time decisioning
  • Third-party data enrichment
  • Case management
  • Predictive analytics
  • Compliance monitoring

Only in Semsee

  • Single submission to many carriers
  • Appetite checker
  • Class code finder
  • Direct appointment quoting
  • ACORD forms
  • Auto-fill
  • Proposal generation
  • Wholesale and MGA access

What people use each for

The jobs each tool is most often brought in to do.

FRISS

  • Fraud detectionnot Semsee
  • Risk assessmentnot Semsee
  • Underwriting automationnot Semsee
  • Claims investigationnot Semsee
  • Compliancenot Semsee

Semsee

  • A personal lines agency starting to write small commercial that has no commercial appointments and needs market access without meeting carrier production requirementsnot FRISS
  • A retail agency quoting twenty BOP submissions a month that is losing hours retyping the same risk into six carrier portalsnot FRISS
  • A wholesaler that wants a structured intake form so retail agents stop sending incomplete submissions by emailnot FRISS
  • An agency checking appetite before spending time on a submission that no carrier on its panel will writenot FRISS

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

FRISS

  • No pricing plans, tiers, or costs are published on the website
  • Requires direct contact through 'Let's talk' call-to-action for pricing inquiries

Semsee

  • The free tier only quotes Semsee's own carrier panel, so the workflow consolidation most agencies actually want, running their own appointments through one form, costs fifty dollars per user per month on top.
  • Carrier coverage is concentrated in small commercial lines such as BOP, general liability and workers compensation, so anything with real complexity still goes to the carrier portal or the underwriter by email.
  • Quotes returned are indicative for many carriers and still subject to underwriting referral, so an agent can present a number to a client and see it change at bind, which damages trust.
  • The March 2026 acquisition by iBynd puts the product inside a wider distribution platform, and buyers should expect priority to shift towards iBynd's end-to-end ambitions rather than incremental improvements to standalone quoting.
  • Agency management system integration is limited, so quote and policy data frequently has to be re-entered into the AMS after binding, which reintroduces the duplicate entry the product exists to remove.

Pricing, plan by plan

FRISS

On request
  • Underwriting$undefined/year
    • Risk scoring
    • Application fraud detection
    • Real-time assessment
  • Claims$undefined/year
    • Claims fraud detection
    • Network analysis
    • Investigation prioritization
  • Enterprise Platform$undefined/year
    • All modules
    • Custom models
    • Advanced analytics

Semsee

Free
  • EssentialFree
    • Access to the Semsee carrier panel
    • Appetite checker
    • ACORD form generation
  • Professional$50/month
    • Everything in Essential
    • Quote your own direct appointed carriers
    • Class code finder
  • Enterprise$undefined/month
    • White labelled deployment
    • Advanced workflow
    • Carrier and MGA distribution features

Which should you pick?

Choose FRISS if

  • You need underwriting risk scoring.
  • You work on Web, Api.
  • You also want claims fraud detection.
FRISS review

Choose Semsee if

  • You need single submission to many carriers.
  • You want to start without paying.
  • You also want appetite checker.
Semsee review

Questions people ask

Is FRISS or Semsee better?
Neither clearly leads. FRISS starts at On request and Semsee at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, FRISS or Semsee?
Semsee has a free tier; the other does not. Paid plans start at On request for FRISS and Free for Semsee.
Does FRISS or Semsee run on more platforms?
FRISS runs on Web, Api. Semsee runs on Web.
Can I use Semsee for free?
Yes. Semsee has a free tier, so you can try it without paying. FRISS starts at On request.
What is FRISS best used for?
FRISS is most often used for fraud detection, risk assessment, underwriting automation, claims investigation. Of those, fraud detection and risk assessment are not what Semsee is typically brought in for.
What can FRISS do that Semsee cannot?
FRISS covers Underwriting risk scoring, Claims fraud detection, Network analysis, Real-time decisioning. Semsee covers Single submission to many carriers, Appetite checker, Class code finder, Direct appointment quoting.

Answered from the vendors’ own pages

FRISS: How does FRISS publish pricing information?

FRISS does not publicly disclose pricing on their website. The company directs interested parties to contact their sales team directly for pricing and licensing details.

Source
Semsee: Is Semsee free?

The Essential tier is genuinely free and gives access to Semsee's own carrier panel. Quoting your own direct appointments requires the Professional tier at fifty dollars per user per month.

FRISS: What pricing model does FRISS use?

FRISS does not specify their pricing model on publicly available pages, requiring direct contact with their sales team to discuss pricing structure and implementation costs.

Source
Semsee: Do I need carrier appointments to use it?

No. That is the main reason small agencies sign up, since Semsee's panel provides market access without production commitments.

Semsee: Is Semsee still independent?

No. iBynd acquired Semsee in March 2026, though the product is still sold under the Semsee name.

Semsee: Which lines does it cover?

Small commercial: business owners policy, general liability, workers compensation, commercial auto and some professional liability, depending on carrier.

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