# Combined Ratio Solutions

> Combined Ratio Solutions (CRS) provides policy administration software and technology services to property and casualty insurers and managing general agencies. Its OSPolicy platform carries no software license fee; the company earns revenue through implementation, integration, custom development, hosting and operational support, with customers controlling their deployed code.

- **Founded:** 2018
- **Headquarters:** Providence, United States
- **Founders:** Michael Jones (Co-Founder, Co-Owner and CEO), Luke Magnan (Co-Founder, Co-Owner and Chief Insurance Officer)
- **Products:** CRS OSPolicy, Rebel OPS: Implementation, Rebel OPS: Integration, Rebel OPS: Development, Rebel OPS: Support
- **Notable:** Official services-firm launch announced in September 2019., Introduced CRS OSPolicy publicly in June 2025., Reported a global team of about 200 in 2025.

## Products & services

- **CRS OSPolicy** — License-fee-free policy administration platform marketed as open source, covering account management, submissions, renewals, endorsements, cancellations and document generation, with integrations to specialist insurance systems. Public introduction announced June 3, 2025.
- **Rebel OPS: Implementation** — Configuration, customization, custom builds and data migration.
- **Rebel OPS: Integration** — Connections to third-party systems and insurance tools.
- **Rebel OPS: Development** — Custom software solutions and cloud re-platforming.
- **Rebel OPS: Support** — Managed hosting, DevOps, performance optimization and ongoing system support.

## Achievements

- Official services-firm launch announced in September 2019.
- Introduced CRS OSPolicy publicly in June 2025.
- Reported a global team of about 200 in 2025.
- Formed an advisory board announced in November 2025, including Curt Stevenson and Clyde Owen.
- USIG reported property and general liability live on OSPolicy in April 2026.

## Latest updates

- **2026-09** — Announced a September 16 webinar on insurance software vendor dependency with Insurance Nerds and USIG.
- **2026-04** — USIG announced its initial OSPolicy lines were live; later rollout was described as planned, not independently confirmed here.
- **2025-11** — Announced an advisory board; the company website published the release on December 8.

## Links

- Website: https://www.combinedratio.com/
- LinkedIn: https://www.linkedin.com/company/combined-ratio-solutions
- YouTube: https://www.youtube.com/@combinedratiosolutions
- Facebook: https://facebook.com/combinedratiosolutions

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Profile page: https://yespress.io/combined-ratio-solutions
Published by YesPress — https://yespress.io
Last updated: 2026-10-23