Insurance software development
We build quote, policy and claims systems for insurers, brokers and managing agents. Good insurance software development answers two questions: how fast can we change this price, and can we show why that decision was made?
Underwriters set their own rates and every decision is traceable
Quote, policy and claims systems for fast pricing and decisions you can trace.
Systems we build
- Quote and buyOnly asks questions that affect the price
- Policy administrationFull history of every change
- Claims handlingDocuments and decisions kept with the claim
- Underwriting supportReferral rules pass on only real cases
- Pricing controlUnderwriters change and test rates themselves
- Regulatory reportingReturns with calculations you can trace
- Reply within one business day
- Fixed estimate before work begins
Insurance software from quote to claim
Quote and buy
Quote forms that only ask what affects the price, and a checkout that doesn't lose the customer at the payment step.
Policy administration
Policies, endorsements, renewals and cancellations, each with a full record of what changed, when and why.
Claims handling
Every claim from the first phone call to settlement, with its photos, reports and decisions kept on the claim itself.
Underwriting support
Referral rules send the unusual cases to an underwriter and let the straightforward ones go through on their own.
Pricing control
Your underwriters change and test rates themselves, instead of waiting for developers to ship a new release.
Regulatory reporting
Returns built on schedule from policy and claims data, with every figure traceable back to how it was calculated.
Fast pricing that records every decision
The complaint we hear most is about speed. The market moves this week, your pricing team knows what to change, and the adjustment then waits six weeks for a software release. Moving rates out of the code and into a tool your underwriters control is often the most valuable thing we do.
Speed has to come with a record, though. Years later, someone may ask why a claim was declined, and you'll need to show which version of which rule made that call. So we store each decision with the inputs behind it.
Regulatory duties we build for
- Conduct and fair treatment. You can show that each customer was told what they needed to know, and that the same pricing rules applied to everyone.
- Decision reconstruction. Any quote or claim decision can be run again later, using the rule version that produced it at the time.
- Data protection. Claims often hold health and financial details, so only the right people can open them and every view is logged.
- Regulatory returns. Reports come from the source data with a calculation you can trace, not from a spreadsheet someone keeps updating.
- Document retention. Policy and claim documents are kept for the statutory period after the policy ends.
Systems we usually connect to
In most projects your policy administration, rating and claims systems stay where they are and we build around them. If one of them does need replacing, we'll decide that with you based on the evidence, not let a project drift into it. Our guide to legacy system modernisation sets out the options when that day comes.
How an insurance build proceeds
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Separate rules from code
We find where your pricing and eligibility rules sit today and plan how underwriters will take them over.
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Build one product line
We take one product all the way from quote to claim, so the approach is proven before it's used anywhere else.
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Prove the history
Before anything goes live, we rebuild past decisions from the stored data and check they match.
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Add products in turn
Adding the next product is mostly a matter of setting it up, with far less new code to write.
Treat these ranges as a guide. Your real dates depend on how long underwriting takes to approve new rules, how quickly compliance reviews customer wording and where you are in the renewal calendar. Our step by step delivery process explains each stage.
What underwriters and claims teams gain
Prices change in days
Underwriters adjust rates themselves, with approval and testing built in, instead of waiting on a release.
Fewer referrals
Clear rules mean an underwriter only sees the cases that need their judgement.
Answers for the regulator
When the regulator asks about a past decision, you search the system instead of digging through archives.
What insurers want to know
Yes, and that's usually why the project exists. We move rates and eligibility rules into a controlled area with version history, testing and approval. A change can then be made and checked in days instead of waiting for a release.
Yes. We often keep your policy system as the main record and build the new quote or claims screens around it. You get the improvements without the risk of replacing it.
For as long as your regulator and your policy terms require, which is often years after a policy ends. We agree the period with you at the start, because it affects how the data is stored.
Tell us which product to start with
Tell us which product line or process holds your team up, and we'll suggest a first step.