Priced per seat. Never on your book.
Incumbent licensing meters on premium volume — you pay more for growing, and the smallest book pays the most per decision. That structurally excludes the MGA and the startup. HONESTAS meters on the one thing every buyer already counts: named seats.
What you are metered on today
Core-suite subscriptions priced as a percentage of direct written premium, with extra fees once premium passes a contracted baseline.
Everest Group licensing analysis, and a US public insurer’s 2023 board pack showing a written-premium cap model.
Catastrophe-model licences metered on book size — the fee band moves with policy count, not with how many people use it.
A US public insurer’s published model procurement (invitation to negotiate, 2021) — one primary record, named so you can read it.
The four tiers
Essentials
€90
per seat, per month
€72 per seat, per month, billed annually
A team getting the record started.
Core intake, document handling, and the developer portal.
Talk to us about EssentialsProfessional
€190
per seat, per month
€152 per seat, per month, billed annually
A team putting decisions through a chaired, gated room.
Everything in Essentials, plus calibration, chaired deliberation and the watch layer.
Talk to us about ProfessionalPortfolio
€340
per seat, per month, plus the exposure data pack
€272 per seat, per month, billed annually
A carrier with real portfolio exposure and simulation to run.
Everything in Professional, plus exposure and parametric data, and governed simulation.
Talk to us about PortfolioGovernance
priced per organisation
A carrier or group whose regulators, partners and auditors all need a seat at the record.
Everything in Portfolio, plus validation, audit, scorecard publication, regulator read-seats and dossier export.
Talk to us about GovernanceThere is no self-serve checkout: every tier benefits from a short conversation about regimes and seat count before the first invoice, but the price itself is fixed and printed above, not withheld behind a call.
One regime and one reviewer does not need a platform — a spreadsheet does that, and below the minimum engagement above we are the wrong purchase. Say so on the call and we will agree with you.
What the evidence gap already costs you
| Line | Why it is owed |
|---|---|
| Annual model validation cycle | Lloyd’s validation requirement |
| Article-12 log retrofit | EU AI Act Article 12 — automatic recording over the system’s lifetime |
| Adverse-decision explanation, per case | CJEU C-203/22 — the reasoning must be explicable to the data subject |
| Reconstructing a decision an auditor asks about | EU AI Act Article 14 — human oversight must be substantive, not nominal |
What does this cost you?
Your numbers, not ours. Nothing is sent anywhere — this runs in your browser.
€122,400
a year, at €335 a day — against a deadline that does not move.
None of this is a bill for AI. It is a bill for AI you cannot evidence — and when the Annex III obligations begin applying on 2 December 2027, the evidence becomes the product.
Before you get to price
- Minimum engagement
- From €150,000 a year. At the annual-commitment price that is about eighty Professional seats or forty-six Portfolio seats. The per-seat figures above are the unit inside a contract, not the contract itself — below that floor the legal and onboarding work costs both sides more than the software returns.
- Contract shape
- Annual or multi-year. Annual commitment gets the 20% discount above. We never discount the meter — a commitment can move the price, never the unit it is counted in.
- The pilot
- Eight weeks, fixed fee, priced at cost. Not free: a free pilot buys no sponsor with anything to defend. It captures a signed staff-hour baseline BEFORE anything is installed, because a saving nobody measured beforehand is a claim, not a result.
- Where the data sits
- Your tenant, isolated on three axes — organisation, owner and business unit. The isolation is a platform mechanism, not something each surface remembers to apply.
- Getting out
- The evidence is yours and it leaves in an open format. A governance record you cannot take with you is not a governance record.
- Time to first value
- We have no completed pilot cohort yet to measure this against — the honest range is four to eighteen months direct, three to nine through a consultancy already operating your validation cycle, and it narrows the day the first cohort completes.
- What we will not do
- Meter on your book. One deal requiring it costs the position this whole product exists to establish, so it is declined rather than negotiated.
A person replies with two or three times. Not a sequence.