FileTrac is a SaaS subscription with eight published tiers, from $250 per month at the entry level to $10,000 per month at the highest enterprise tier. Each tier includes a monthly volume of claims and appraisals at a per-unit rate that decreases as you move up. You can change tiers every month in either direction. The annual contract auto-renews with a 90-day cancellation notice. Customers receive two bills — the subscription bill on the first of the month for the current month, and a separate usage bill for the prior month's actual activity. Every tier, every fee, and every contract term is published on the website.

The eight published tiers

Tier	Monthly price
Grow	$250
Build	$500
Adapt	$650
Sustain	$1,375
Business	$2,250
Business Plus	$3,500
Enterprise	$6,000
Enterprise Plus	$10,000

Every tier includes:

A monthly allowance of claims and appraisals — the volume scales with the tier.
A per-unit rate for claims and appraisals beyond the included allowance — the rate drops from $12.50 per claim at Grow to $2.50 per claim at Enterprise Plus.
A document storage allowance — none at Grow, up to 1,500 GB at Enterprise Plus.
A user count — 5 users at Grow, up to 150 at Enterprise Plus.
A support plan — Basic on lower tiers, Business or Enterprise on higher tiers.

What every tier gives you on the platform itself

Every tier ships with the same FileTrac platform — claims management, billing, reports, alerts, the Personnel Manager, communications, mobile access, the customer portal, CrossTrac, and ELIAS AI inside the FileTrac Evolve dashboard as your in-system knowledge guide. The 22-method SOAP API is included.

What scales by tier is volume — included claims and appraisals per month, document storage, user count, and support level. What is not automatically included at any tier is the TPA Module and specific integration bridges; those are paid add-ons described below.

How tier changes work

You can change tiers every month in either direction. Mid-month change requests take effect on the first of the following month. There is no cap on how many times you can change, and there are no change fees.

Practical example: a firm scales up for storm season, drops back down in the off-season, and pays only for the volume they actually need each month. The platform flexes with the operation rather than locking you into a contract you have to grow into.

When a monthly subscriber upgrades mid-year, they pay the new tier's monthly rate starting the first of the next month. When an annual subscriber upgrades mid-year, the math is different — see the FAQ on monthly vs. annual billing for the full mechanic.

The two-bill structure

Every customer gets two separate bills:

Subscription bill — issued the first of the month for that month's tier price (Grow $250 / Build $500 / Adapt $650 / Sustain $1,375 / Business $2,250 / Business Plus $3,500 / Enterprise $6,000 / Enterprise Plus $10,000). Paid in advance for the month.
Usage bill — issued separately for the prior month's actual activity. This covers anything used during the previous month: claims and appraisals beyond your included allowance, integration per-claim fees, additional active users above your tier allowance, document storage overage, text messages, and any other usage-based line item.

The cadence is "this month's subscription up front; last month's usage in arrears." That structure is unusual enough in the industry that it's worth knowing about before you sign up so the two charges aren't a surprise.

Annual billing — one month free

Pay annually upfront and we credit one full month against the year. The discount is available on any tier and can be activated at any time. To switch back from annual to monthly billing, inform us before your renewal date.

Add-ons and additional charges

Most of what your operation uses is in the tier. A handful of items are billed separately and are listed publicly so you can model your bill before signing up.

TPA Module — for organizations running TPA workflows (reserves, authority levels, claim shares, checkbook management, Lloyd's bordereaux). $250 one-time setup plus $200 per month, flat — regardless of TPA volume. Includes everything: the six financial controls, Lloyd's bordereaux reporting, and the Bordereau & Management Information Builder. Available at any base tier.

Integration bridges — paid add-ons activated per integration. The platform supports them; customers turn on the ones they actually use and pay the published rates:

Integration	One-time setup	Per-claim fee
XactAnalysis Bridge	$3,000	$2.50
Symbility Bridge	$1,500	$1.00
HOVER Integration	$0	$1.00
Existing integrations or bridges	$500	$1.00
New integrations or bridges	Quote	Quote

The 22-method SOAP API is included in your tier and is the path to building custom integrations against your existing systems.

Volume-related charges above your tier allowance:

Active users beyond your tier's allowance — $0.15 per active user per month. An active user is anyone who logs in during the billing month, regardless of frequency.
Document storage above your tier's allowance — $0.15 per GB per month.
Text messages — $0.02 per text. No monthly fee, regardless of carrier.

Additional FileTrac systems — for multi-entity organizations needing more than one tenant: flat $250 per month per additional system. Usage rolls into your primary subscription's claim and appraisal allowance, so a single allowance covers all of your systems.

Custom development, custom reports, and custom training — line-item priced per support tier. We recommend learning the platform's standard workflows first; built-in functionality covers the vast majority of use cases.

Payment

All payments run through Stripe. Credit card, ACH, and the other Stripe-supported electronic payment methods are accepted. Recurring billing is available for every plan.

Why pricing is published this way

Most insurance software hides pricing, buries terms, and runs a sales call before a prospect can find out what they would actually pay. Evolution Global publishes every tier, every fee, every contract term on the website. The reason is structural: when you ask the industry to trust a published integrity standard, you have to publish what you're charging too. Information asymmetry doesn't survive that posture.

How does FileTrac pricing work, plain English?