Operations Workbench

The Operations Workbench (workbench.openinsure.dev) is an internal single-page application for staff who need direct, low-latency access to the rating engine, policy records, compliance matrices, and reporting tools.

Stack

Layer	Technology
Framework	Vite + React 19
Routing	TanStack Router v1 (type-safe, file-based)
State	TanStack Store
Rate limiting	TanStack Pacer + react-pacer
Hosting	Cloudflare Pages SPA (`oi-sys-workbench`)
API	Same `oi-sys-api` as all portals

Dev server:

PORT=3003 pnpm --filter @openinsure/workbench dev
# Port 3000 is taken by code-assist-mcp in local dev

Features

Interactive Rater

Live premium calculation with full factor waterfall, schedule rating inputs, and PDF adverse action export.

Policy Detail

Full policy record view — jacket, endorsements, claims, payments, documents, and event history.

State Requirements

Jurisdiction-by-jurisdiction compliance matrix — notice periods, form filings, surplus lines requirements.

Reporting

On-demand loss runs, cession summaries, and audit exports without going through the Finance Portal.

Interactive Rater

The rater connects directly to POST /v1/rating/submit and streams the factor waterfall in real time. It is used by underwriters to:

Re-rate a risk with schedule adjustments before quoting
Explain why a premium changed between policy terms
Validate rate table updates before activating new versions

Factor waterfall view

Each rating step is displayed with:

Step name and input value
Factor applied (from which rate table)
Intermediate premium after the step
Cumulative change vs. prior step

Debit/credit factors are shown in red/green. UW-applied schedule debits/credits are editable inline.

Adverse action export

When a schedule debit is applied that increases premium by ≥ 10%, a PDF adverse action notice can be generated directly from the rater with one click. The notice includes all factors that resulted in a rate above the filed base rate.

Policy Detail

The Policy Detail view (/workbench/policies/:id) is a read-optimized view of the full policy record. Unlike the portal views, it exposes all internal fields including:

Raw policy jacket sections (insured, coverages, filings, interests, conditions)
All endorsement history with premium adjustments
Claims linked to the policy with reserve movements
TigerBeetle ledger entries for all premium transactions
Durable Object event stream (if POLICY_EVENTS DO is instrumented)

State Requirements Matrix

/workbench/state-requirements shows a sortable, filterable grid of insurance regulatory requirements by state:

Column	Source
State	All 50 states + DC + territories
Non-pay notice period	`@openinsure/compliance` domicile rules
UW cancellation notice	Varies by line; compliance engine enforces
Surplus lines eligible	`@openinsure/domicile`
Form filings required	By line and state
SLSF rate	State surplus lines stamping office fee

The matrix is read from the compliance engine at render time — it always reflects the current state of the domicile rules, not a static snapshot.

Reporting

Staff-facing reports not available in the Finance Portal:

Report	Path
Loss run (any policy)	`/workbench/reporting/loss-run`
Cession statement draft	`/workbench/reporting/cession`
UW audit export	`/workbench/reporting/uw-audit`
Rate factor explain	Embedded in the Interactive Rater

Reports are generated on-demand and can be exported as CSV or PDF.

Routing (TanStack Router)

Routes are defined in src/routes/. TanStack Router v1 uses file-based routing with full TypeScript inference on route params and search params.

// src/routes/policies/$id.tsx
export const Route = createFileRoute('/policies/$id')({
  loader: ({ params }) => fetchPolicy(params.id),
  component: PolicyDetailPage,
});

Search state (filters, pagination, selected tab) is managed via TanStack Router’s search param API — no URL manipulation needed.

See the URL State guide for the shared nuqs pattern used in the Next.js portals (the workbench uses TanStack Router’s native search API instead).