http://www.heathxs.com/partners Hardscrabble Data Solutions LLC is a wholly owned subsidiary of Heath XS, LLC dedicated to the development, implementation and management of the HEATH XS proprietary Policy Management System. This system manages every aspect of the HEATH XS operations including; clearance, rating, quoting, documentation, e-mail, binding, policy issuance, premium collections, accounting, servicing and marketing. This System also provides an entirely paperless environment dedicated to service, efficiency and data management.