InsurTech
InsurTech Software Development — Embedded Insurance, Claims Automation & AI Underwriting
InsurTech is FinTech with a longer settlement cycle and a regulator who reads every model. We build embedded-insurance platforms, claims automation, and AI-underwriting systems that pass the model-risk-management review.
What we hear from InsurTech teams
- Embedded-insurance partner onboarding takes 6 months because every integration is bespoke
- Claims-automation models that work in test but get appealed in production because nobody explained the denials
- Guidewire / Duck Creek integrations that ship 8 months late because the legacy schema fights back
- AI-underwriting features blocked at the model-risk-management gate because there's no documentation trail
- Broker portals that brokers hate, leading to channel revenue stalls
- Compliance gaps when expanding to a new state and the rate-filing process surprises everyone
Regulation & compliance we work with
NAIC model laws + state-by-state regulation (US)
Solvency II + EIOPA guidance (EU)
GDPR / CCPA
Model-risk management (SR 11-7 conceptual framework for insurance models)
Fair-lending / unfair-discrimination scrutiny on AI underwriting (Colorado SB21-169, NY DFS Circular 1, EU AI Act)
PCI-DSS where premium payment paths touch cards
SOC 2 Type II
What we deliver
Embedded-insurance platforms: partner-onboarding portals, quote/bind/issue flows, policy admin
Claims-automation services: triage, FNOL workflows, fraud-decisioning, payout orchestration
AI-underwriting features with full model documentation, bias auditing, and explainable denials
Core-system integrations: Guidewire (PolicyCenter, ClaimCenter, BillingCenter), Duck Creek, Sapiens, custom legacy
Broker / agent portals that channel partners will actually use
Premium-payment + collections orchestration with PCI-scope discipline
Regulatory-filing workflow tooling (rate filing, form filing) where applicable
FAQ
- Have you integrated with Guidewire or Duck Creek?
- Yes — both. The pattern that works is treating the core system as the system of record but isolating new product surfaces (broker portals, embedded flows, AI features) behind an integration layer so the carrier doesn't have to push every change through a 6-month core-release cycle. We've shipped against PolicyCenter, ClaimCenter, and BillingCenter on the Guidewire side and across multiple Duck Creek versions.
- How do you handle AI underwriting under fair-lending / fair-discrimination scrutiny?
- Bias auditing from day one (not bolted on for the regulator). Documented input-variable rationale (no proxy variables for protected classes). Explainable denials. Periodic disparate-impact testing on production decisions. We treat Colorado SB21-169, NY DFS Circular 1, and the EU AI Act as design constraints, not compliance checklists.
- Can you build for the model-risk-management process?
- Yes — and this is one of the most common reasons InsurTech features stall. We produce model-documentation packages (purpose, data, methodology, validation, monitoring), set up production-monitoring tooling, and design the human-in-the-loop checkpoints required for MRM sign-off. The work is the documentation discipline as much as it is the modelling.
- Do you handle multi-state US deployments?
- Yes. Rate filing, form filing, and state-specific product variations are first-class concerns in the data model — not configurations bolted on. The trap most platforms fall into is treating 50-state expansion as a feature flag; we design it as a product-line dimension from the start.