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INSCIPHER

Surplus lines tax automation and compliance for brokers, agencies, and MGAs across all 50 U.S. states

Compliance & Regulatory Growth Bootstrapped
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Overview

InsCipher is an insurtech company specializing in surplus lines tax automation and compliance. Founded by insurance professionals addressing their own industry pain points, the company combines deep compliance expertise with technology to simplify and automate the complex world of surplus lines tax filing and reporting across all 50 U.S. states and territories.

The company serves more than 300 brokers, agencies, and managing general agents (MGAs) across the United States, processing over USD 1 billion in premium annually. InsCipher offers both a managed filing service and a self-service software platform, enabling clients to increase filing team velocity by up to 300%. The company has achieved 30-40% year-over-year organic growth while remaining bootstrapped.

InsCipher is the official software provider for the Surplus Lines Association of Utah (SLAUT) and the Surplus Line Association of Idaho (SLA Idaho). The company made the 2025 Inc. 5000 list of America's fastest-growing private companies and was nominated for PropertyCasualty360 Insurtech of the Year.

Products & Services

InsCipher Connect

A surplus lines tax management software platform that automates tax filing, reporting, and compliance management across all U.S. states. Users input policy information and the platform handles multi-state tax computations and generates state-required compliance documents with error alert systems that flag compliance concerns.

Key Features

  • Multi-state surplus lines tax calculation and filing
  • Automated generation of state-required compliance documents
  • Error flagging and compliance alert system
  • Integration with agency management systems (AMS), quote/bind platforms, and rating systems
  • Single Sign-On via Okta and MS Entra

Target Users: Surplus lines brokers, retail agencies, MGAs

InsCipher Filing Services

A fully managed outsourced filing solution. Clients upload policy data via API or manually, and InsCipher's USA-based team handles all surplus lines tax filings on their behalf.

Key Features

  • Fully outsourced compliance management
  • API-based or manual data submission
  • USA-based filing team
  • Coverage across all U.S. states and territories

Target Users: Brokers and agencies seeking a fully managed compliance solution

Tax Calculator API

A REST API that provides real-time surplus lines tax calculations and compliance database access for all U.S. states, delivered directly into existing AMS or rating system workflows.

Key Features

  • Real-time tax calculation for all U.S. states
  • Compliance database access
  • Seamless AMS and rating system integration
  • Supports embedded compliance workflows

Target Users: Insurtech platforms, MGAs, carriers integrating tax calculations into their systems

Tax Documents API

Automates the generation of required surplus lines compliance documents, including state-required forms and diligent search documentation.

Key Features

  • Automated compliance document generation
  • State-required form templates
  • Diligent search documentation support

Target Users: Brokers, MGAs, and platforms needing automated document generation

At a Glance

Founded
2016
Headquarters
Pleasant Grove, UT, USA
Employees
51-200
Funding
Bootstrapped

Category & Focus

Category
Compliance & Regulatory
Subcategories
Surplus lines tax automation compliance document generation regulatory filing
Insurance Verticals
Specialty/E&S
Target Customers
Brokers, MGAs/MGUs, Carriers, Agents/Agencies

Customers

  • Matterhorn Insurance Group
  • One80 Intermediaries
  • Heffernan QuieTrack
  • Veracity Insurance Solutions

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Last updated: 2026-06-03