Insurance software that quotes, binds and pays out cleanly
We build software for insurers, managing general agents, brokers and InsurTech start-ups. Pricing logic, policy records and claims decisions all need to be correct, explainable and easy to audit.
What gets in the way
- Quote and bind journeys are slow because rating logic sits in spreadsheets or ageing policy systems.
- Claims handlers re-key data from emails, forms and photos, which delays settlement and frustrates policyholders.
- Brokers and partners expect APIs and portals, but legacy platforms were never built to share data.
- Regulators expect fair treatment of customers and a clear record of how prices and claims decisions were made.
Built with the rules in mind
Insurance software is shaped by solvency, conduct and data protection rules such as Solvency II, the Insurance Distribution Directive, state insurance regulation and privacy law. We build with these requirements in mind and work with your compliance team and advisers, who remain responsible for regulatory sign-off.
Technologies we often use
How we help in your market
The rules, platforms and buyer expectations differ by region. We design for the one you sell into.
Europe & UK
UK firms answer to the FCA and PRA, including Consumer Duty and fair value expectations, while EU insurers work under Solvency II, the Insurance Distribution Directive and DORA for operational resilience. We build clear audit trails, product governance records and GDPR-aware data handling, and integrate with aggregators and open finance data sources.
United States
Insurance in the US is regulated state by state, with NAIC model laws shaping rate filings, data security and producer licensing. We build rating and underwriting rules that can vary by state, keep filed rates versioned, and design systems that support SOC 2 audits and state privacy laws.
Canada
Canadian insurers deal with OSFI at federal level and provincial regulators such as the AMF in Quebec and FSRA in Ontario, alongside PIPEDA and Quebec Law 25 for personal data. We build province-aware products, bilingual English and French customer journeys, and consent records that support privacy obligations.
What we build for insurance
Quote and bind platforms
Online journeys with rating engines, underwriting rules and document issue.
Policy administration
Systems for mid-term adjustments, renewals, cancellations and endorsements.
Claims management
First notification of loss, triage, handler workflow and payments in one place.
Broker and partner portals
Self-service portals and APIs for distribution partners and aggregators.
AI document intake
Extraction of data from claim forms, invoices and reports, with human review.
Pricing and fraud analytics
Data pipelines and models for risk scoring and anomaly detection.
How we help
Custom Software Development
Bespoke business systems built around how your organisation actually works, not how an off-the-shelf package assumes it does.
Web Application Development
Secure, fast web applications and customer portals that work in any browser and scale as your user base grows.
AI & Machine Learning
Practical AI: LLM features, agents, document extraction and predictive models, built with your data privacy in mind.
API & Systems Integration
APIs and integrations that connect your CRM, ERP, payments and internal systems so data moves without manual re-keying.
Data Engineering & Analytics
Data pipelines, warehouses and dashboards that turn scattered business data into reliable numbers people trust.
Common questions
How much does insurance software cost to build?
It depends on scope, so we price from a written requirements document rather than a guess. A focused quote and bind journey or claims portal is far smaller than a full policy administration system, and we can deliver in phases on a fixed-scope, dedicated team or time and materials basis.
Can you integrate with Guidewire, Duck Creek or other core insurance platforms?
Yes, where the platform exposes APIs or integration points. We review the available interfaces early and build connectors so new portals and tools can read and write policy and claims data safely.
Can you build a rating engine we can update ourselves?
Yes. We can build rating rules and factor tables that your underwriting team can maintain through an admin screen, with every change versioned so you can show which rates applied to each quote.
Is the software compliant with Solvency II, Consumer Duty or state insurance rules?
We do not certify compliance, but we build with those rules in mind, including audit trails, product governance records and explainable decisions. Your compliance team and advisers remain responsible for sign-off.
Can AI help speed up claims handling?
It can. We use AI to extract data from claim forms, photos and reports and to suggest triage routes, with a handler reviewing any decision that affects a payout.
Can you build a portal for brokers and MGAs?
Yes. We build broker portals for quoting, binding, document download and commission statements, with permissions that control what each partner can see.
Can you connect our products to price comparison sites and aggregators?
Yes. We build the API integrations aggregators require, including fast quote responses and reliable handover into your own buying journey.
How do you handle sensitive policyholder data?
We use encryption, role-based access and audit logging, and host in a cloud account in your name in the region you choose. Data-handling arrangements are agreed in writing.
Can you modernise a legacy policy system without a big-bang switch?
Usually, yes. We often wrap the old system with APIs, move one product or process at a time, and run both in parallel until the new service is proven.
Who owns the code and the pricing logic you build?
You do. The code, repositories and cloud accounts sit in your name, and we can sign an NDA before you share rating models or underwriting guidelines.
More sectors we serve
Have a project in mind? Let’s talk.
Tell us what you are building. We reply within one business day with next steps — and we are happy to sign an NDA first.