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FIG 01 · Insurance Software Development

Insurance software development around your core

Quote-and-bind flows, broker portals, claims intake and integrations for carriers, MGAs, brokers and insurtechs, built around the policy system you already run.

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Insurance analyst at a desk reviewing a policy dashboard with a blue shield icon, beside a paper house model

FIG 02 · Quick answer

What is insurance software development?

Insurance software development is building the systems insurers, MGAs and brokers use to quote, bind, issue and service policies and handle claims. Elgrith builds quote-and-bind flows, broker portals, claims intake and integrations with Guidewire, Duck Creek or legacy cores, designed to ACORD data standards and current NAIC, NYDFS and FCA expectations.

Rating, bind, issuance, documents, payment and FNOL in one data model
Quote → claim
Projects delivered since 2015
1,000+
Clients across the USA, UK and India
250+
Your code, repository and IP
100%

FIG 03 · Why it matters

Regulators have already written part of your spec.

From the NAIC adoption maps (status as of 8 Oct 2026) and the New York Department of Financial Services, read on 23 Oct 2026.

FIG 04 · Rules and dates

Regulation as a design input: what applies and when

We treat regulation as part of the brief, not a badge. This is the dated view we design from, checked on 23 Oct 2026 at the official sources linked on this page.

Insurance rules that shape the software (checked 23 Oct 2026)
RuleWho it affectsDateWhat it means for your software
NAIC Insurance Data Security Model Law (#668)Licensees in the jurisdictions that adopted itAdopted Oct 2017; in 28 jurisdictions (NAIC, as of 8 Oct 2026)A written information security program, risk assessment and a process to investigate and report cybersecurity events; your software needs access logs, data maps and event records to back them
NAIC AI Model BulletinInsurers using AI systems in rating, underwriting, claims or marketingAdopted 4 Dec 2023; in 29 jurisdictions (NAIC, as of 8 Oct 2026)Governance for AI systems: documented models and data, testing for unfair outcomes and oversight of third-party AI vendors
NYDFS cybersecurity regulation (23 NYCRR 500)Insurers and other entities licensed by NYDFSTwo-year rollout of amendments completed Nov 2025Multi-factor authentication for all users, asset inventories and access controls designed into portals and admin tools
FCA Consumer Duty (PS22/9)UK insurers, MGAs and brokersIn force 31 Jul 2023 (open products) and 31 Jul 2024 (closed products)Journeys, documents and renewal flows that show fair value and that customers understand, with outcome data you can monitor

General guidance from public sources, not legal advice; your counsel confirms what applies to you. Sources: NAIC adoption maps (8 Oct 2026), NYDFS press release (26 Feb 2026) and FCA policy statement PS22/9 (updated 3 Dec 2025).

Payments, lending or wealth? Fintech app development

FIG 05 · What you get

Insurance software we build

Custom insurance software development for the parts your core doesn’t do well, or doesn’t do at all. Every module shares one data model, so a policy, a risk and a claim mean the same thing everywhere.

Paper house under a small blue umbrella beside a tablet showing a checked claims form
Insurance Software Development · built in-house

01

Policy administration modules

Products, coverages, endorsements, renewals and cancellations, as a full policy admin module or as extensions to the PAS you run.

02

Rating engines

Rating tables and rules your actuaries can version, test and release, with every quote reproducible from its inputs.

03

Claims intake and FNOL

First notice of loss on web and mobile, triage rules, adjuster assignment, reserves and subrogation flags.

04

Underwriting workbench

Submissions, appetite checks, referrals and third-party data in one queue, so underwriters spend time on judgment, not re-keying.

05

Billing and payments

Instalment plans, direct bill and agency bill, card and bank payments, and reconciliation back to the policy record.

06

Document generation

Quotes, policy wording, schedules, certificates and notices generated from templates your compliance team approves.

07

Agent and broker portals

Submissions, quotes, documents, commissions and producer licensing data in one self-service portal.

08

Data and reporting

Loss ratios, bordereaux and pipeline reports from your own data, without waiting on a vendor’s report queue.

Deliverables

11

deliverables, in writing

Included in every build, written into your fixed quote before work starts.

FIG 06 · Working with your core

Working with Guidewire, Duck Creek or a legacy core

Most insurers don’t need a new core: they need a better layer around it. We integrate through each platform’s published APIs and integration tools, using your licence and your access. We claim no partner status with Guidewire, Duck Creek or any core vendor.

  • Policy admin system
  • Rating engine
  • Third-party data
  • Broker portal
  • Customer app
  • Claims intake

  • Guidewire PolicyCenter, ClaimCenter, BillingCenter

    What we build
    Portals, quote flows and claims intake that read and write through the platform’s APIs
    What stays
    Your Guidewire configuration and licence; we don’t resell or re-platform it

  • Duck Creek

    What we build
    Front ends, broker portals and data feeds around policy, billing and claims
    How
    Through the integration points your Duck Creek version exposes

  • Legacy policy systems

    Typical source
    An older PAS reached through files, a database or a service layer
    Approach
    An API layer in front of the core, so new channels never touch it directly
    API Integration

  • ACORD data

    Formats
    ACORD P&C XML, AL3 and ACORD Forms data
    Where
    Broker and carrier data exchange, downloads and form pre-fill

  • Premium payments

    Data
    Card and bank payments, instalments, refunds and reconciliation
    Where
    Your payment provider, linked to the policy and billing record
    Payment Gateway Integration

FIG 07 · Quote-and-bind

Quote-and-bind in one journey

A quote-and-bind platform takes a customer or broker from a question set to an issued policy without a hand-off. Most failures happen between the steps, so we design the whole journey as one flow with one record.

05principles

  • Rating

    Inputs validated as they are entered, rated by your engine or ours, with the rating version stored on every quote.

  • Appetite and bind rules

    Appetite checks, referral triggers and bind authority limits set by your underwriters, not hard-coded.

  • Issuance

    Policy numbers, effective dates and coverages written back to your core, with straight-through processing where your rules allow.

  • Documents

    Policy wording, schedules and certificates generated at bind and stored against the policy.

  • Payment

    Deposit or full payment taken in the same journey, so cover starts only when payment clears.

FIG 08 · Distribution

Agent and broker portals

Brokers place business where it is easiest to place. A good portal answers “will you write this?” fast and keeps the paperwork in one place.

06principles

  • Submissions

    Structured submissions with document upload, so underwriters get complete risks the first time.

  • Appetite checks

    Instant answers on class, territory and limits, before a broker spends time on a full submission.

  • Documents

    Quotes, policies, endorsements and certificates for every account, downloadable on demand.

  • Commissions

    Commission statements and payment status by producer, reconciled to billing.

  • Producer licensing data

    Licence and appointment data checked before a producer can quote in a state.

  • Web portals

    Role-based portals for brokers, agents and policyholders.

    Web portal development

FIG 09 · Data standards

Data standards: designing to ACORD

ACORD standards are how carriers, agencies and vendors exchange insurance data. We design data models and messages to ACORD structures where your partners use them. We don’t claim ACORD certification or membership, and we never call software “ACORD-compliant”.

04principles

  • ACORD P&C XML

    Property and casualty messages for quotes, policies and claims between systems.

  • AL3

    The agency download format many agency management systems still read for policy and billing data.

  • ACORD Forms

    Applications and certificates pre-filled from your data instead of typed again.

  • Next-generation APIs

    Where partners use ACORD’s newer API-based standards, we map your data to them through an API layer.

FIG 10 · AI with governance

AI in underwriting and claims, with governance

AI can triage claims, read submissions and flag fraud. Regulators expect insurers to govern it: the NAIC AI Model Bulletin had been adopted in 29 jurisdictions as of 8 Oct 2026. We build the controls in from the start.

05principles

  • Submission and document reading

    Applications, loss runs and claim documents read into structured data, with a person approving each change.

  • Fraud and anomaly flags

    Claims that look unusual flagged for review, never denied automatically.

  • Model records and testing

    Model inventory, data sources, version history and tests for unfair outcomes, kept for your governance team.

  • AI development

    Models and LLM features built to your governance rules.

    AI development

  • Workflow automation

    Routine claims and policy tasks automated, with exceptions sent to people.

    AI automation

FIG 11 · Apps

Insurance app development

Policyholders open an insurance app on the worst day of their year. Insurance app development starts there: a claim started in minutes, with photos, from the roadside or the kitchen floor.

05principles

  • Mobile FNOL with photos

    Guided claim reporting with photos, location and time captured on the device.

  • Digital ID cards

    Proof of cover in the app and the phone’s wallet, updated at renewal.

  • Payments

    Premiums, instalments and payment methods managed in the app.

  • Policy self-service

    Documents, address changes, drivers and endorsements without a phone call.

  • iOS and Android

    Native or cross-platform apps, chosen on camera, offline and wallet needs.

    App development

Moving off old infrastructure?

Core on a server room you want to leave?

Moving policy, claims and billing data to the cloud is its own project, with its own risks. That is our cloud migration service.

Cloud migration

FIG 12 · Process · 6 steps

Map the journey, pilot one product, then scale

A free call, a fixed written quote, then sprints with a demo every week: discovery, data mapping, a pilot on one product or one channel, and rollout. You own the code, the data and the IP.

Book a call
  1. Step 01

    Free call

    Tell us which products, channels and systems are involved, and where quotes, binds or claims get stuck today.

  2. Step 02

    Discovery

    Your journeys, rating and bind rules, core integrations and the rules your counsel says apply, mapped before design.

  3. Step 03

    Data model and fixed quote

    One data model for risks, quotes, policies and claims, plus a written scope and a fixed quote, before any build starts.

  4. Step 04

    Pilot product

    One product or one channel built in sprints, with a demo every week and testing against real rating cases.

  5. Step 05

    Rollout

    More products, states or brokers, with data migration, training and a staged switch-over.

  6. Step 06

    Support and change

    Rate changes, new forms and rule updates, covered under terms agreed in your written scope.

FIG 13 · What you get

Everything included

Written into your fixed quote, so you know exactly what you are paying for before work starts.

11items

  • Written scope and fixed quote
  • Journey and integration map
  • Shared data model for risks, quotes, policies and claims
  • Quote-and-bind flow, portal or claims module in scope
  • Core system integrations through published APIs
  • ACORD data mappings where your partners use them
  • Document templates for quotes, policies and notices
  • Audit logs, access controls and MFA
  • Insurance app for iOS and Android, if in scope
  • Training and runbooks
  • IP assignment: code and data are yours

FIG 14 · Tech & tools

The tools behind the work

Proven, well-supported tools, chosen for your project and set up in accounts your business owns.

  • Java
  • Kotlin
  • TypeScript
  • Next.js
  • Node.js
  • Python
  • .NET
  • PostgreSQL
  • Redis
  • Kafka
  • ACORD P&C XML
  • AL3
  • REST APIs
  • OAuth 2.0
  • Swift
  • Flutter
  • React Native

FIG 15 · Who it’s for

Insurance software for the people who write and place risk.

Carriers, MGAs, brokers and insurtechs in the US and UK, each with different systems, partners and regulators.

4 audiences

Carriers

New channels without touching the core.

Quote-and-bind, portals and claims intake on top of Guidewire, Duck Creek or a legacy PAS, with an API layer protecting the core.

  • API layer over the core
  • Claims intake and FNOL
  • Broker and policyholder portals
  • Governance records for AI

FIG 16 · Working with us from the USA and UK

Built in New Delhi. Run on your hours.

Every project gets a point of contact in New York or London and an engineering team in New Delhi. Here is how today’s working days line up, live.

Three ways to work together

  1. 01

    Fixed-scope project

    A written scope, one fixed price and a dated plan. Suits websites, apps and MVPs.

  2. 02

    Dedicated team

    Designers and engineers on your roadmap every month, billed monthly.

  3. 03

    White label

    For US and UK agencies: our work, your brand, unbranded deliverables.

Every engagement

  • Fixed quote in USD, GBP or INR after a free 30-minute call
  • NDA before discovery. You own all code, designs and content
  • A working demo every sprint, not status slides
  • Reply within one business day, calls inside your hours
Book a call

Calls on ET or UK hours

FIG 17 · Decide

Buy a core platform vs build custom vs a hybrid

Custom isn’t always the answer. This is how we compare the three routes with you, before any quote.

Buy a core platform vs build custom vs a hybrid
Buy (Guidewire, Duck Creek or similar)Build customHybrid: buy the core, build around it
Best forLarge books that fit the platform’s productsNew products, niches or MGAs a platform doesn’t fitInsurers with a core that works but channels that don’t
Speed to a new channelDepends on the vendor’s roadmap and your configuration teamSet by your scopeSet by your scope, with the core unchanged
Code and dataThe vendor’s product; your data under their termsYoursYour custom layer is yours; the core stays the vendor’s
Main riskLong, costly implementationsRebuilding what a core already does wellLimits of the core’s APIs

Many insurers end up with the hybrid: a core platform for policy, billing and claims records, and custom software for the journeys customers and brokers see.

Need a bespoke system? Custom software development

FAQ

Frequently asked questions

Straight answers about Insurance Software Development with Elgrith.

It is building the software insurers, MGAs and brokers use to quote, bind, issue and service policies and to handle claims. That includes rating engines, quote-and-bind flows, broker portals, claims intake, billing, documents and the integrations that tie them to a policy administration system.

FIG 18 · Related

Keep exploring

All services

Free 30-minute call

Build insurance software brokers and policyholders actually use.

Tell us which product, channel or claim journey hurts most. After a free call you get a written scope and a fixed quote, starting with one product or one channel.

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connect@elgrith.com+91 96039 20001Start a project

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