Build an insurance platform — modern distribution and policy management infrastructure.
Insurance distribution is moving online. Agencies, MGAs, and insurtechs need custom platforms for quoting, binding, policy issuance, and claims management — digital experiences that legacy carrier systems don't provide.
Insurtech founder or insurance agency owner who needs a modern digital platform for insurance distribution, policy management, or claims — not legacy carrier portals
Insurance technology runs on outdated carrier systems. Customer-facing platforms — quote, bind, policy portal, claims — are custom software built on top of carrier APIs.
Insurance platform layers:
Distribution (quoting and binding): Customer inputs risk data. Platform rates across carriers or applies underwriting rules. Customer selects policy. Platform binds coverage.
Policy administration: Policy issued with premium payment. Renewal management. Endorsements (mid-term changes). Cancellations and reinstatements.
Claims management: First Notice of Loss intake. Claims status tracking. Document collection. Adjuster workflow.
API integrations for insurance platforms: Carrier rating APIs (proprietary per carrier). Third-party rating engines (EZLynx, Applied Rater, Indio for commercial). Payment processing (Stripe or insurance-specific platforms like Ascend). Document generation (policy documents via carrier or custom generation).
License requirements: Insurance agencies require state producer licenses. MGAs require MGA licensing. The platform is technology — the business entity requires licenses.
Insurance platform deployed — quoting engine, policy application flow, policy management portal, and claims intake or status tracking
Quoting engine
risk intake form, rating API integration, quote display
Binding flow
carrier API binding or submission workflow
Payment
premium collection with recurring billing for installments
Policy portal
policy documents, certificates, coverage summary
Renewal management
automated renewal quotes and notifications
Claims intake
FNOL form, document upload, status tracking
One honest number to start.
Fixed-scope, fixed-price. The number below is the starting point — final scope is built from your brief.
Insurance platform deployed — quoting engine, policy application flow, policy management portal, and claims intake or status tracking
Three steps, every time.
The same repeatable engagement on every project. No surprises, no mystery, no billable ambiguity.
Brief & discovery.
We send you questions, then get on a call. Output: a written scope with every step, feature, and integration listed.
Build & ship.
Fixed schedule, weekly reviews. No scope creep unless you change the scope — and if you do, we reprice it transparently.
Warranty & retainer.
30-day warranty on every launch. Most clients stay on a monthly retainer for ongoing features and maintenance.
Why Fixed-Price Matters Here
Insurance platforms have defined quoting, binding, and policy management patterns. Fixed-price from the spec.
Related engagements.
Questions, answered.
Any carrier with an API or AMS integration. Most personal lines carriers (Progressive, Travelers, etc.) have rating APIs. Commercial lines often requires submission workflow. Specific integrations defined in the spec.
Yes. Surplus lines have additional disclosure and filing requirements by state. Platform handles disclosure notice generation and maintains the audit trail needed for surplus lines compliance.
Tell Ryel about your project.
Describe what you’re building and what outcome you need. You’ll have a written, fixed-price scope within the week.