Insurance APIs that connect quoting, binding, policy management, and claims across your technology stack.
We build APIs for insurance companies — quoting engine integrations, policy management system connectivity, claims data APIs, and the integration layer that connects your insurtech stack to the carriers, MGAs, and distribution partners you work with. Fixed scope, fixed price.
Your quoting engine, policy management system, claims system, and agent portal don't share data. Every piece of data that moves between them is either manually re-entered or sent as a flat file on a schedule. That's the integration gap we close.
Insurance technology systems are notoriously siloed. A typical insurance carrier or MGA operates three to five core systems — a rating engine, a policy management system (Applied Epic, Majesco, Guidewire), a claims management system, a billing system, and an agent portal — that were implemented at different times by different vendors and were never designed to exchange data in real time. The result is data that moves between systems via manual re-entry, nightly batch file transfers, or CSV uploads — workflows that are slow, error-prone, and impossible to scale.
The business impact is felt in three places. Policy issuance is slow because the underwriter has to re-enter data from the quoting tool into the PMS. Claims handling is slow because the adjuster's notes from the claims system aren't visible to the billing team or the agent portal. Agent experience is poor because the agent sees stale data that's only as current as the last batch file run.
Modern insurtech companies have an opportunity to solve this integration problem — either for their own internal operations or as a product they offer to their carrier and MGA partners. In both cases, the technical challenge is the same: connecting systems with different data models, different authentication mechanisms, and different update frequencies into a coherent real-time data layer.
An insurance API integration layer that connects your quoting engine, policy management system, claims system, and distribution partners — with real-time data exchange replacing manual re-entry and batch file transfers.
Quoting engine to PMS integration
Rated quote data from your quoting engine (Indio, EZLynx, Applied Rater) pushed to the policy management system on bind — no manual re-entry. Quote parameters, premium, coverage details, and effective date transferred automatically.
PMS API integration
Applied Epic, Guidewire, Majesco, or Duck Creek API integration for policy data access: policy details, coverage limits, premium, renewal date, and endorsement history. Bidirectional where the PMS write API supports policy updates.
Claims management integration
Claims data from the claims system (Guidewire ClaimCenter, Majesco Claims) exposed via API for the agent portal and billing system. Claim status, reserve amount, payment history, and adjuster notes accessible in real time.
Carrier connectivity
Carrier API integration for appetite check, rate quote, and bind confirmation for carriers who offer API access. EDI or ACORD XML exchange for carriers who require it.
Agent and MGA portal data API
Aggregated policy, claims, and billing data exposed to the agent portal via a unified API. Eliminates the agent's need to log into multiple systems to answer a customer question. Built on Next.js API routes, Postgres, ACORD XML processing, and REST integrations with Applied Epic, Guidewire, and Majesco where API coverage is available.
One honest number to start.
Fixed-scope, fixed-price. The number below is the starting point — final scope is built from your brief.
An insurance API integration layer that connects your quoting engine, policy management system, claims system, and distribution partners — with real-time data exchange replacing manual re-entry and batch file transfers.
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 technology investments are made against actuarial and operational efficiency calculations. A defined integration scope with a defined cost is evaluable against the labour efficiency improvement it delivers. Fixed scope, fixed price.
Related engagements.
Questions, answered.
Applied Epic's API has improved in recent versions but remains limited compared to modern insurance platforms. We use the available REST API endpoints where they cover the required data, and supplement with database-level read access or CSV export ingestion where API coverage is incomplete. Applied has been expanding API coverage — we assess the current API scope against your integration requirements during discovery.
Real-time quote and bind via carrier API is available from some carriers (Progressive, Travelers have API-based quoting). Others use ACORD XML web services with synchronous response. Legacy carriers without modern APIs are batch-based. We scope the integration approach based on the specific carriers in your distribution.
ACORD XML standards: AL3 for agency bill statements, ACORD 25 for certificates of insurance, ACORD 130/131 for personal lines applications, ACORD 125/126 for commercial lines. We identify the relevant ACORD standards for your integration requirements during discovery.
PMS integration, quoting engine connectivity, claims data API, and agent portal data layer typically runs $40k–$85k. Carrier API integration scope and PMS API coverage are the main variables. Fixed-price.
12 to 16 weeks for a production insurance API integration layer with core system connectivity.
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.