Platform Comparison

SaaS Platform vs Desktop App

Both platforms share the same actuarial-grade cyber underwriting engine. The desktop app unlocks offline mode, AI Copilot, local LLM, and a native experience.

SaaS Platform

Web-based

Access the full cyber underwriting platform from any browser. Continuous ratings, TPRM, portfolio management, and premium estimation - always up to date, zero installation.

Desktop Application

Windows · macOS · Linux

Everything in the SaaS platform, plus offline mode, AI Copilot with local LLM, PDF auto-fill, split-view panels, keyboard shortcuts, and a native desktop experience.

Feature-by-Feature Comparison

A detailed breakdown of what each platform offers.

Feature

SaaS Platform

Desktop App

UNDERWRITING & PRICING

Premium estimation across 21 coverage lines

AI-generated underwriting summary

Submission triage (Accept / Review / Decline)

Catastrophe modeling & stress-test scenarios

Loss exceedance curves (Monte Carlo VaR / TVaR)

What-If Simulator (live portfolio impact)

Premium Impact of 54 Security Controls (12 categories)

Claims correlation analytics

Industry benchmarks & peer comparison

Auto-Quoting (binder-ready in seconds)

Custom Premium Models (Enterprise, calibrated to your claims)

AI Submission Auto-fill (paste broker email → extracted profile)

AI SOC 2 / Pen-Test Report Extraction (PDF → 54 controls)

Custom Company Underwriting (works fully offline)

INTELLIGENCE & DATA

Continuous external cyber ratings

50K+ incident search database

4M+ company comparisons

Score history time series (12–24 months per insured)

TPRM & supply chain risk mapping

Interactive supply chain graph

Accumulation risk heatmaps

Continuous Risk Monitor (real-time alerts per insured)

OFAC Sanctions Screener (official SDN list, fuzzy match)

Regulatory & War Exclusion Center (DORA / NIS2 / NY DFS)

Emerging Risk Lab (curated emerging-risk research feed)

Bundled EASM signals (attack surface, CVE, SBOM)

Machine-readable datasets (REST API)

Real-time context injection for AI queries

PORTFOLIO MODELING & REINSURANCE

Underwriting Dashboard (book KPIs: GWP, accumulation, loss ratio)

Portfolio score tracking & CSV export

Tags, notes, and custom company creation

Concentration risk analysis (SPoF detection)

Bordereaux Workbench (bulk-score 1000+ accounts)

Reinsurance Tower Designer (XoL / quota-share)

Portfolio Optimizer (Shapley TVaR + RAROC + walk-away)

Drag & drop bulk CSV / bordereaux import

Offline portfolio with pending-sync indicator

WORKFLOW & DOCUMENTS

Per-insured Benchmark Report (downloadable PDF)

Quote Letter Generator (DOCX, brand-able)

UW Memo Generator (DOCX with audit trail)

Policy Wordings Library (forms, endorsements, exclusions)

Cloud Claims Tracker (status workflow + escalation)

Local Claims Register (offline SQLite, 5-step intake)

Underwriter Tools Suite (10 calculators)

Activity Log / audit trail (timestamped, exportable)

COMPLIANCE & GRC

Compliance mapping (ISO 27001 / SOC 2 / GDPR / NIS2 / DORA)

12,000+ GRC badges tracked across rated companies

MITRE ATT&CK control mapping (partial, on roadmap)

AI & AUTOMATION

AI Copilot with chat interface

Local LLM (Phi-3 Mini, fully offline, zero cloud)

External LLM providers (ChatGPT, Claude, DeepSeek)

AI Auto-Fill from PDF broker submissions (up to 30 files)

Paste text extraction (emails, proposals, forms)

Portfolio Q&A in natural language

Quick actions (Risk Summary, Weak Scores, Concentration)

MCP (Model Context Protocol) AI tools

DESKTOP EXPERIENCE

Native Windows, macOS, and Linux application

Full Offline Mode (bundled local Python backend on 127.0.0.1)

Local SQLite database (claims, custom companies, portfolio)

Background sync engine with automatic retry

Split-view dual-page workspace (Companies + Premium, etc.)

Dark mode (Light / Dark / System)

Global search (Ctrl+K spotlight)

Keyboard shortcuts (Ctrl+1/2/3, Ctrl+D, Ctrl+P)

System tray & minimize-to-tray

Print & PDF export from any page

First-launch setup wizard (4-step)

Session persistence (window position, size, state)

PROSPECTING & OUTREACH

AI Lead Generation (CISO / DPO / GRC contacts)

AI Cold Email drafting via Gmail / Outlook mailbox

Verified Contact Discovery (LinkedIn + email validation)

Browser extension (Chrome & Firefox)

ACCESS & PRICING

Secure authentication (OAuth)

Plan-based feature gating (Analyst / UW / Prospector / Enterprise)

Self-serve subscription via Stripe Checkout

Free Tier (no signup, no credit card)

Guest demo mode (3 actions/day, sample data)

Encrypted local token storage (OS-level)

API key stored in encrypted SQLite

Desktop-Exclusive Features

Capabilities only available in the native desktop application.

Offline Mode

Work without internet using a local SQLite database. All changes sync automatically when you reconnect.

AI Copilot

Floating chat panel to ask portfolio questions in natural language, with streaming responses and quick actions.

AI Auto-Fill

Upload up to 30 PDF broker submissions and let AI extract and populate company profiles automatically.

Local LLM

Run a local AI model (Phi-3 Mini) - your data never leaves your machine. Also supports ChatGPT, Claude, DeepSeek.

Setup Wizard

4-step guided setup configures offline mode, AI provider, and model selection on first launch.

Native Desktop

Split-view panels, dark mode, global search, keyboard shortcuts, system tray, and session persistence.

Ready to upgrade your workflow?

Start with the SaaS platform or download the desktop app for the full experience.

Download Desktop App Compare Plans