Insurance runs on documents, rules and deadlines. A quotation engine that misapplies a loading, a claims system that loses a document, or a renewal process that misses its notice window creates direct financial and regulatory consequences.
We build insurance systems with the rule complexity handled explicitly and the document trail treated as a primary concern rather than an attachment feature.
Systems we build
Policy administration covering the full lifecycle — issuance, endorsements, mid-term changes, renewals, lapse and reinstatement — with versioning so the terms in force on any given date can be reconstructed exactly.
Quotation and rating engines where premium rules, loadings, discounts and underwriting criteria are configurable by business users rather than hard-coded, so a rate revision does not require a software release.
Claims management from intimation through document collection, surveyor allocation, assessment, approval workflow and settlement, with status visible to the claimant throughout.
Agent and broker platforms with quotation tools, policy servicing, commission calculation and statements, and performance reporting.
Rules that business users can change
The most common failure in insurance software is embedding rating logic in code. Rates change, regulators mandate revisions, and products get launched on commercial timelines that a development cycle cannot match.
We build a configurable rules layer — rating factors, bands, loadings and eligibility criteria maintained through an administrative interface with versioning and effective dating, so a rate in force last March can still be reproduced for a dispute today.
Documents and evidence
Claims are decided on evidence. We build document management with structured capture against requirement checklists, versioning, and an audit trail of every upload, view and decision. Where useful we apply automated extraction to reduce manual data entry from standard documents, with human verification above defined thresholds.
Regulatory alignment
We build to IRDAI expectations relevant to the system: policyholder disclosure requirements, grievance handling with escalation and timelines, turnaround-time tracking on claims, and record retention. Systems are instrumented so regulatory reporting is a query rather than a manual compilation exercise.
Integrations
Typical connections include insurer APIs for multi-insurer broker platforms, payment gateways for premium collection and mandates for recurring payments, KYC and verification services, vehicle and health data sources, and accounting systems for commission settlement.