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Insurance · head to head

Semsee vs Verisk

Semsee logo

Semsee

Insurance

Small commercial insurance quoting that sends one submission to many carriers

From
Free
Rated
-
Full reviewWebsite
Verisk logo

Verisk

Insurance

Insurance data, ISO forms and rating content that most American P&C products are built on

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Semsee has a free tier, so it costs nothing to try first.
  • Each has a real cost: 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.; Verisk the ISO content has no real substitute for a carrier writing standard lines, so renewal negotiations start from a position where walking away is not credible.
  • They diverge on capability: Semsee covers Single submission to many carriers, Verisk covers ISO forms and rating content.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Semsee and Verisk actually diverge.

Attributes where Semsee and Verisk differ
AttributeSemseeVerisk
Starting priceFreeOn request
Pricing modelPer user per monthquote
Free tierYesNo
PlatformsWebWeb, API, Windows

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 Semsee

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

Only in Verisk

  • ISO forms and rating content
  • ClaimSearch
  • Extreme event models
  • Property data
  • Xactimate
  • Underwriting analytics

What people use each for

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

Semsee

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

Verisk

  • A carrier filing standard commercial lines products that must use recognised forms and loss costsnot Semsee
  • A claims organisation checking submitted claims against the industry database for prior activitynot Semsee
  • A property insurer pricing catastrophe exposure for reinsurance placementnot Semsee
  • An MGA that needs bureau content without building and filing proprietary forms in every statenot Semsee

Where each one falls short

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

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.

Verisk

  • The ISO content has no real substitute for a carrier writing standard lines, so renewal negotiations start from a position where walking away is not credible.
  • Pricing is negotiated separately per product and per line, and large insurers routinely find overlapping agreements across underwriting, claims and actuarial that nobody had counted together.
  • Circular updates to forms and loss costs must be loaded into your policy system on a schedule, which is recurring work that carriers with older platforms do partly by hand.
  • The breadth of the portfolio means account management is spread across product teams, so a problem in one service does not necessarily get attention from the people selling you another.
  • Usage-based components such as data prefill and claims searches make annual spend hard to forecast, and the variance lands in the year you grow fastest.

Pricing, plan by plan

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

Verisk

On request
  • Verisk Insurance Solutions$undefined/year
    • ISO forms and loss cost licensing
    • Data and analytics services by line
    • API access

Which should you pick?

Choose Semsee if

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

Choose Verisk if

  • You need iso forms and rating content.
  • You work on Web, API, Windows.
  • You also want claimsearch.
Verisk review

Questions people ask

Is Semsee or Verisk better?
Neither clearly leads. Semsee starts at Free and Verisk at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Semsee or Verisk?
Semsee has a free tier; the other does not. Paid plans start at Free for Semsee and On request for Verisk.
Does Semsee or Verisk run on more platforms?
Semsee runs on Web. Verisk runs on Web, API, Windows.
Can I use Semsee for free?
Yes. Semsee has a free tier, so you can try it without paying. Verisk starts at On request.
What is Semsee best used for?
Semsee is most often used for a personal lines agency starting to write small commercial that has no commercial appointments and needs market access without meeting carrier production requirements, a retail agency quoting twenty bop submissions a month that is losing hours retyping the same risk into six carrier portals, a wholesaler that wants a structured intake form so retail agents stop sending incomplete submissions by email, an agency checking appetite before spending time on a submission that no carrier on its panel will write. Of those, a personal lines agency starting to write small commercial that has no commercial appointments and needs market access without meeting carrier production requirements and a retail agency quoting twenty bop submissions a month that is losing hours retyping the same risk into six carrier portals are not what Verisk is typically brought in for.
What can Semsee do that Verisk cannot?
Semsee covers Single submission to many carriers, Appetite checker, Class code finder, Direct appointment quoting. Verisk covers ISO forms and rating content, ClaimSearch, Extreme event models, Property data.

Answered from the vendors’ own pages

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.

Verisk: Can a carrier avoid ISO content entirely?

Only by developing and filing proprietary forms and rates, which a handful of large insurers do. For everyone else the filing and legal cost of independence exceeds the licence.

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.

Verisk: Is Xactimate part of Verisk?

Yes. It came with the Xactware acquisition and is the dominant property claims estimating tool in North America, used by carriers and by the contractors they pay.

Semsee: Is Semsee still independent?

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

Verisk: Did Verisk sell off businesses?

Yes. It divested non-insurance units including its energy research business in 2023 and refocused on insurance data and analytics.

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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