Can you integrate with Guidewire or Duck Creek?

Yes, through their APIs and integration frameworks, or through data feeds where APIs are limited.

Can AI process claims documents?

Yes. AI can extract and classify data from claims documents for adjuster review, cutting manual data entry significantly.

Do you build portals for independent agents?

Yes — quoting, documents, commissions and book-of-business views, connected to your core systems.

Can you modernise our legacy policy system?

Yes, often step by step, starting with portals and APIs around the core before replacing it.

Insurance Software Development | Claims, Policy & Portals

Challenges in insurance software

Quoting and binding slowed by manual data entry and rating spreadsheets
Claims documents arriving by email, fax and photo with no structure
Agents and policyholders calling for status updates
Legacy policy administration systems that are expensive to change
Regulatory reporting that takes weeks to assemble

Software we build for insurance

Quote & bind

Online quoting with rating engines, underwriting rules and e-signature.

Policy administration

Products, endorsements, renewals, billing and documents.

Claims management

First notice of loss, assignment, reserves, payments and fraud flags.

Agent portals

Quotes, commissions, documents and book-of-business views.

Policyholder self-service

Policy documents, payments, ID cards and claims tracking.

AI document processing

Extract data from applications, invoices and medical bills for review.

Compliance and security

Requirement	What it means for your software
State insurance regulations	Rate and form filings, required notices and record retention
NAIC Insurance Data Security Model Law	Information security programme, risk assessment and incident response
Privacy (GLBA, state laws)	Protection and appropriate sharing of policyholder data
Fair claims practices	Timely acknowledgement, investigation and communication of claims

We are engineers, not lawyers. We build the technical controls these rules require and work with your compliance and legal advisers.

Systems we integrate with

Core systemsGuidewire, Duck Creek, Majesco and legacy systems via APIs or data feeds

Data & ratingThird-party data providers, rating engines, credit and MVR reports

Documents & paymentsDocuSign, document generation, Stripe, ACH, payment providers

Agency systemsApplied Epic, Vertafore AMS360, HawkSoft and comparative raters

Automation with human judgement

AI and automation can read documents, pre-fill claims, flag likely fraud and route work — but insurance decisions affect people’s lives and are regulated. We design automation that speeds up the routine and leaves decisions, exceptions and customer communication with your adjusters and underwriters, with full audit trails.

A modern claims experience

Claims are the moment of truth for insurers: the point where policyholders discover whether the promise they paid for is kept. A modern claims journey starts with a simple first notice of loss on a phone, with photos and documents uploaded directly. The claim is acknowledged instantly, triaged automatically by type and severity, and assigned to the right adjuster.

AI extracts key data from documents such as repair estimates and medical bills, flags inconsistencies and potential fraud indicators for review, and pre-fills the claim file. Policyholders track progress online and receive proactive updates instead of calling for news. Simple, low-value claims can move through a fast-track process with adjuster approval, freeing experienced staff for complex cases. The result is faster settlements, lower handling costs and higher customer satisfaction.

Modernising around a legacy core

Replacing a core policy administration system is a large, risky undertaking. Many insurers get faster results by modernising around the core first: building APIs that expose policy and claims data, then launching new portals, quoting tools and automation on top. Over time, products and functions can be migrated to a modern platform one line at a time, while customers and agents benefit from better digital experiences from the start.

A reference architecture for insurers, MGAs and agencies

Insurance technology usually centres on a policy administration system, with billing and claims either in the same suite or alongside it. Modern digital channels and automation are layered on top through APIs rather than by modifying the core.

Layer	Role	Typical systems
Core	Policy, billing and claims records	Guidewire, Duck Creek, Majesco, Sapiens or an older in-house system
Rating & rules	Pricing and underwriting rules	Rating engines, rules engines, spreadsheets that should be retired
Distribution	Quoting and binding through agents, brokers and direct channels	Agency management systems, comparative raters, custom portals
Data providers	Third-party data used in underwriting and claims	Property, vehicle, credit-based and identity data services
Digital channels	Self-service for policyholders, agents and adjusters	Web portals, mobile apps, chat
Analytics	Loss ratios, pipeline and claims performance	Data warehouse and BI dashboards

A typical insurance digital project

Map the journey2 weeks

Trace one product line end to end — quote, bind, endorse, renew, claim — and mark every manual hand-off.
Confirm the core APIs1–2 weeks

Check what the policy system exposes and where middleware or batch files are needed.
Design the rating approach

Decide whether rating stays in the core, moves to a rating engine, or is called from a new service.
Build the first channel10–16 weeks

Often an agent quoting portal or a first-notice-of-loss flow for claims.
Test with filed rates

Compare premiums from the new flow with the core system for a full set of test cases before launch.
Launch by state or product

Roll out one state or product at a time to keep regulatory and operational risk manageable.

Build or buy for insurance

Need	Packaged option	When custom makes sense
Policy administration	Guidewire, Duck Creek, Majesco, cloud-native cores	Rarely — only for niche products that no core supports
Agency management	Applied Epic, Vertafore AMS360, HawkSoft	Specialist agencies needing workflows these systems lack
Agent and broker portals	Core-vendor portals	When distribution experience is a competitive advantage
Claims intake	Core claims modules	Mobile-first first notice of loss with photo capture and triage
Document processing	Intelligent document processing products	High volumes of specific forms where tuned extraction pays off

Implementing insurance regulation in software

Insurance is regulated state by state in the US. Many states have adopted versions of the NAIC Insurance Data Security Model Law, which requires an information security programme, risk assessment, oversight of third-party service providers and notification of cybersecurity events. New York’s DFS cybersecurity regulation (23 NYCRR 500) sets detailed requirements for covered entities. In software terms, this usually means:

Encryption of non-public personal information in transit and at rest
Multi-factor authentication for staff and privileged access
Audit trails for policy and claims changes
Retention schedules for policy and claims records
Documented incident response and third-party risk information for your vendor reviews
Rating logic that matches filed rates and can be explained to regulators

Your compliance team and counsel determine which rules apply to your entity and states; we implement and document the technical controls.

Common mistakes in insurance technology projects

Copying rating logic into a new app instead of calling one source of truth
Rebuilding the core when the real problem is the distribution experience
Automating claims decisions without clear human review and explanation
Ignoring agents’ existing tools and forcing double entry
Launching all states at once

Using AI in underwriting and claims responsibly

Insurers are rapidly adopting AI to read documents, summarise claim files, triage submissions and detect potential fraud. Used well, it removes hours of repetitive reading and lets underwriters and adjusters focus on judgement. Used carelessly, it can produce unfair or unexplainable decisions and attract regulatory scrutiny — several states have issued guidance on the use of AI and external data in insurance, much of it based on the NAIC model bulletin on AI systems.

Our approach keeps people responsible for decisions and keeps the system explainable:

AI extracts, summarises and suggests; licensed staff decide on coverage, pricing and claim outcomes
Every AI output shows the source document and passage it came from
Confidence thresholds route uncertain cases to people rather than guessing
External data sources and model features are documented and reviewed for unfair discrimination risk
Model performance is monitored over time and by segment, with the results available to your compliance team
Customer data stays within approved environments, never used to train public models

Start with low-risk, high-volume tasks such as classifying incoming documents or pre-filling claim notes. These deliver value quickly and build the governance habits needed before AI is applied to more sensitive decisions.

Agent and broker experience

For carriers and MGAs that sell through independent agents, the quoting experience often decides which carrier gets the business. Agents compare several markets at once and will favour those that are quick to quote, clear about appetite and easy to service. Useful features include pre-filled applications from agency management data, instant indications with clear referral reasons, saved quotes that can be bound later, and self-service endorsements and certificates of insurance.

We design these portals with agents involved from the start, measure time-to-quote during testing and integrate with comparative raters where you participate in them.

Insurance metrics software can improve

Metric	Where it comes from	Typical software lever
Quote-to-bind ratio	Rating and policy admin systems	Simpler quote journeys and pre-fill from data providers
Claims cycle time	Claims system events	Digital FNOL, document capture and automated triage
Loss adjustment expense	Claims and finance data	Straight-through processing for simple claims
Retention / renewal rate	Policy admin and CRM	Renewal reminders and self-service changes
Agent productivity	Agency management and CRM	Portals with quoting and status in one place

Illustrative metrics; which ones matter depends on your organisation and goals.

We connect these measures to the events that drive them, so teams can see not just that cycle time rose but which step in the process caused it.

Insurance glossary

Term	Meaning
FNOL	First notice of loss — the start of a claim
MGA	Managing general agent with delegated underwriting authority
Bordereau	Periodic report of policies or claims sent to a carrier
Policy admin system	The system of record for policies, endorsements and renewals

Services for this industry

Explore more in Industry Software Development for the Sectors We Serve.

Insurance Software Development