Software Development for Insurance and InsurTech Policy Admin, Claims & Embedded
Policy administration, claims, underwriting, embedded insurance, customer portals, and broker tooling. ACORD-standard data exchange. SOC 2 Type II and GDPR ready. Shipped in 10 to 22 weeks. USD pricing.
We map your build against ACORD, your existing policy admin system, and your regulatory scope before we propose a stack.
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Who we've built for.
How we work in insurance
- What we build
- Policy admin · Claims · Underwriting · Embedded insurance · Customer portals · Broker tooling · InsurTech MGA
- Stack
- Next.js · Node.js · Python · PostgreSQL · AWS · ACORD AL3 · LangChain · OpenAI · Camunda
- Compliance
- SOC 2 Type II · ISO 27001 · GDPR · CCPA · NAIC · ACORD · Solvency II · IDD · NY DFS Cybersecurity
- Integrations
- Guidewire · Duck Creek · Majesco · Snapsheet · Hi Marley · Roots · Verisk · LexisNexis · Stripe · DocuSign
- Pricing in USD
- Starter build from $13,000 · Policy admin or claims module from $42,000 · Custom InsurTech platform from $42,000
- Output
- Production platform · carrier integrations · audit logs · runbook · on-call coverage
Insurance software is where actuarial complexity, legacy systems, and customer-experience expectations collide. The data model is rich, the regulatory scope is broad, and the partner systems (Guidewire, Duck Creek, Majesco) move on enterprise timelines. This page covers what makes InsurTech builds different, the segments we serve, what ACORD means at the data layer, the named clients we have shipped for, and what every category typically costs.
Named insurance builds
Recent InsurTech and adjacent regulated builds.
Regulated partner platform with audit-grade workflows and partner-network management.
Read case study →AI-assisted compliance platform applicable to InsurTech regulatory workflows.
Read case study →Regulated reseller workflow with rate-table versioning and audit-grade logging.
Read case study →Insurance segments we serve
Policy administration
Quote, bind, issue, endorsement, cancellation, renewal. ACORD-compliant data model. Integration with Guidewire PolicyCenter, Duck Creek Policy, or Majesco P&C Policy Admin.
Claims and FNOL
First notice of loss intake, claim assignment, adjuster workflow, payment, subrogation, integration with Snapsheet, Hi Marley, or Roots.
Underwriting and risk
Underwriter workbench, rules engine for auto-decisioning, ML risk scoring, third-party data enrichment (Verisk, LexisNexis, Iso Mtech).
Embedded insurance
Insurance products embedded into ecommerce, travel, mortgage, or fintech flows. Quote-and-bind in under 30 seconds. Carrier-API integration.
Customer and broker portals
Policy management, claims tracking, document repository, premium payment, broker-of-record changes, certificate of insurance generation.
MGA and program management
Multi-carrier placement, commission management, bordereau reporting, claims TPA integration.
Health insurance and benefits administration
Plan setup, enrolment, claims adjudication or integration with TPA, member portal, provider network management.
Cyber and specialty lines
Cyber, professional liability, environmental. Risk assessment workflows, third-party data integration, specialised wording management.
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Use cases — concrete examples with cost ranges
Policy administration v1
Quote, bind, issue workflow for one personal-lines product (auto or home). ACORD-compliant data model. Rate-table versioning with effective dates. Integration with Verisk for third-party data enrichment. Stack: Next.js plus Node.js plus PostgreSQL plus Camunda. Typical build 16 to 22 weeks. From $32,000 depending on product complexity and existing system integration.
Claims and FNOL platform
FNOL intake (web, mobile, phone). Claim assignment routing. Adjuster workflow with task management. Payment via ACH or check. Subrogation tracking. Integration with Snapsheet, Hi Marley, or Roots for vendor handling. Stack: Next.js plus Node.js plus PostgreSQL plus DocuSign plus Snapsheet. Typical build 14 to 20 weeks. From $25,000 depending on claim type count and vendor integration.
Embedded insurance platform
Insurance products embedded into partner flows (ecommerce, travel, mortgage). Sub-30-second quote-and-bind. Carrier-API integration via Roost, Cover Genius, or direct carrier. Partner SDK for embedding. Stack: Next.js plus Node.js plus PostgreSQL plus carrier APIs. Typical build 12 to 16 weeks. From $18,000 depending on carrier count and partner SDK complexity.
Underwriting workbench with AI
Underwriter workbench UI. Rules engine for auto-decisioning. ML risk scoring with explainability. Third-party data enrichment (Verisk, LexisNexis). Decision audit trail. Stack: Next.js plus Python ML plus PostgreSQL plus rules engine. Typical build 14 to 20 weeks. From $25,000 depending on product count and decisioning complexity.
Why insurance software is different
InsurTech builds carry three costs that a standard SaaS does not. First, ACORD compliance and data exchange: every carrier and broker exchange runs on ACORD standards (AL3, XML, or REST). Building integration without ACORD modeling at the foundation creates rework on every new partner. Second, regulatory scope: NAIC and state-level rules in the US, Solvency II in the EU, IDD for distribution, plus NY DFS 23 NYCRR 500 for cybersecurity. Multi-state and multi-jurisdiction builds carry meaningful compliance overhead. Third, legacy policy admin integration: Guidewire, Duck Creek, and Majesco dominate the policy admin space and move on enterprise change cycles. Integration realism is the difference between a 9-month and a 15-month project. We design InsurTech builds around three principles. Lead with ACORD data modeling so the platform speaks the industry's language from day one. Plan policy-admin integrations conservatively because partner-system change windows set the pace. Treat audit trail and rate-table versioning as first-class platform features because regulators and rate-bureau auditors will ask to see them.
Implementation roadmap
Five-phase rhythm for InsurTech builds. ACORD modeling kicked off in week 1.
Discovery and ACORD scope (2 weeks)
Product types. Distribution channels. Carrier and reinsurer partners. State regulatory scope. ACORD message and version inventory. Output: ACORD message catalog plus regulatory scope document.
Architecture and policy-admin integration (2 weeks)
Data model aligned to ACORD. Integration pattern for Guidewire, Duck Creek, or Majesco. Workflow engine selection. Rate-table versioning design. Output: ADRs plus integration plan.
Build (8 to 16 weeks)
Two-week sprints. ACORD message exchange validated against carrier sandbox every sprint. Underwriter or adjuster co-design on workflow surfaces.
Carrier UAT and regulatory review (2 weeks)
End-to-end ACORD exchange. State filing review where required. Rate-table audit. Pen-test plus NY DFS readiness if applicable.
Launch and dual on-call (1 week plus 2 weeks)
Production deploy. Monitoring. On-call rotation. Runbook with carrier and regulator escalation paths delivered.
Tech stack and architecture
Default InsurTech stack. Each layer chosen for ACORD compliance, rate-table versioning, and policy-admin integration.
- Front end: Next.js with TypeScript. Underwriter, agent, broker, and policyholder portals with role-based UX. WCAG 2.2 AA accessibility baseline.
- Application layer: Node.js or Python (FastAPI). Stateless services behind API gateway. Workflow engine (Camunda or Temporal) for multi-step underwriting and claims flows.
- Data layer: PostgreSQL for policy and claim state. Audit log table with rate-table versioning. S3 for document storage with retention rules.
- ACORD layer: ACORD AL3 parser. ACORD XML translator. ACORD ORI message handling. ACORD REST integration where supported.
- Rules engine: Drools, Camunda DMN, or custom rules engine for underwriting decisioning. Versioned with effective dates.
- AI and risk-scoring layer (when applicable): ML risk scoring. Claims fraud detection. Document understanding for FNOL. Explainability and audit trail baked in for regulator review.
- Cloud: AWS or Azure. Multi-region for global insurance products. NY DFS 23 NYCRR 500 controls baseline for NY-regulated carriers.
Compliance and audit readiness
Every InsurTech build ships with the controls and documentation regulators, audit firms, and partner carriers expect. SOC 2 Type II for SaaS controls. ISO 27001 for information security. GDPR for EU policyholders. CCPA and CPRA for California. NAIC Model Laws and individual US state insurance department rules where the product is sold. Solvency II for EU carriers and reinsurers. IDD (Insurance Distribution Directive) for EU distribution. NY DFS 23 NYCRR 500 Cybersecurity Regulation for NY-regulated carriers. ACORD AL3 and XML standards for data exchange. State-level cyber regulations following the NY DFS model.
Cost drivers we see in insurance builds
InsurTech build cost ranges widely. These are the seven drivers we see push or pull on the number.
- Product line count and complexity. Single personal-lines product is fast. Multi-product (auto, home, life, commercial) with cross-sell adds 30 to 50 percent.
- State and jurisdiction count. Single state is the baseline. Multi-state with per-state rate filing, rules, and forms adds 25 to 40 percent.
- Policy-admin integration depth. No legacy integration is fast. Bidirectional Guidewire, Duck Creek, or Majesco integration adds 20 to 35 percent.
- ACORD message coverage. Read-only is fast. Full bidirectional ACORD with broker, carrier, and reinsurer exchange adds substantial integration work.
- Underwriting rules and ML scope. Basic auto-decisioning is fast. Complex multi-product rules with ML overlays adds 25 to 40 percent.
- Claims complexity. Simple FNOL is fast. Multi-line claims with adjuster workbench, subrogation, recovery, and fraud detection is its own engineering programme.
- Multi-tenant white-label (MGA or program). Single carrier is fast. Multi-carrier MGA with per-carrier rate tables, forms, and bordereaux adds 25 to 40 percent.
Pricing
InsurTech Starter build
From $13,000
- Single product, single state, quote-and-bind only.
- 10 to 14 weeks.
Policy admin or claims module
From $42,000
- Single product, multi-state, ACORD-compliant.
- 14 to 20 weeks.
Underwriting workbench
From $27,000
- Rules engine, ML risk scoring, third-party data enrichment.
- 14 to 18 weeks.
Embedded insurance platform
From $18,000
- Partner SDK, multi-carrier, sub-30-second bind.
- 12 to 16 weeks.
Custom InsurTech platform
From $42,000
- Policy admin, claims, underwriting, customer portal.
- 18 to 26 weeks.
Maintenance retainer
From $4,250 / month
- On-call cover, ACORD message version tracking, carrier API change tracking, regulatory updates. SLA-backed.
Insurance trends shaping 2026 builds
Six InsurTech shifts shaping 2026 builds.
- AI in underwriting and claims moving to production. Document understanding for FNOL. Computer vision for property and auto claims. Explainability and bias monitoring required for regulator review.
- Embedded insurance maturing past travel. Mortgage, auto, ecommerce returns, gig-economy income protection. Cover Genius and Roost-style platforms widely integrated.
- Climate-risk pricing and underwriting. Flood, wildfire, hurricane, and severe-convective-storm models integrated into underwriting and pricing as US and EU regulators tighten climate disclosure.
- Real-time data and telematics. Auto, home, and commercial telematics deepening. Usage-based and behaviour-based insurance becoming default in many markets.
- Parametric and microinsurance growing. Parametric (weather, flight delay, crop) and microinsurance distributed via embedded channels. Lower-friction claim payouts.
- Regulatory technology tightening. NY DFS Cybersecurity (NYCRR 500) Part 500.13 amendments and EU DORA tightening operational resilience requirements. New builds default to operational resilience playbook.
FAQ
Yes. ACORD AL3, XML, and REST. Message catalog mapped to your product set. ORI (operational risk indicators) messaging for carrier-broker exchange. ACORD Data Standards Council guidance applied through architecture decisions.
Yes. Guidewire PolicyCenter, ClaimCenter, BillingCenter via REST or messaging. Duck Creek Policy, Claims, Billing via REST or messaging. Majesco P&C, L&A. Integration runs on partner-system change windows, so we plan timelines conservatively.
Per-state rate, forms, rules. State filing materials prepared (rate filings, form filings) but submitted by your filings team or compliance partner. Multi-state launches scoped per state with go-live cadence.
Yes. Sub-30-second quote-and-bind. Partner SDK for embedding into ecommerce, travel, mortgage, gig-economy flows. Carrier-API integration via Roost, Cover Genius, or direct carrier.
Yes. FNOL intake via web, mobile, phone. Claim assignment routing. Adjuster workflow. Payment via ACH or check. Integration with Snapsheet for desk-review photo claims, Hi Marley for SMS claims, Roots for digital FNOL.
Yes. Rules engine for auto-decisioning. ML risk scoring. Third-party data enrichment via Verisk, LexisNexis, Iso Mtech. Decision audit trail. Explainability for regulator review. We deploy with bias monitoring and ongoing model governance.
Yes. Cybersecurity programme, risk assessment, MFA, encryption, third-party service provider security, and incident reporting controls. CISO certification of compliance support provided as platform features and documentation.
Yes. Multi-carrier placement, commission management, bordereau reporting, claims TPA integration. Multi-tenant with per-carrier rate, form, and bordereau handling.
Yes. Plan setup, enrolment, claims adjudication or integration with TPA, member portal, provider network management. HIPAA compliance for PHI handling.
Yes. Mobile SDK or OEM telematics integration. Driving behaviour scoring. Premium adjustment workflows. Cambridge Mobile Telematics, Arity, Octo Telematics integration.