InsurTech Software Development Services for US & EU Carriers, Brokers and MGAs

Yes. We design carrier and MGA systems aligned with NAIC Model Laws, NAIC Insurance Data Security Model Law (and state adoptions), and NY DFS 23 NYCRR 500 cybersecurity controls — including risk assessments, MFA, encryption, third-party diligence and 72-hour incident reporting.

For Solvency II we build reporting pipelines for QRT submissions, ORSA and SCR data lineage. For the Insurance Distribution Directive (IDD) we implement POG (product oversight and governance), demands-and-needs capture and IPID delivery in quote-and-bind flows.

Yes. We work with ACORD XML, ACORD AL3, ACORD GRLC for global reinsurance, and ACORD ORS REST APIs — for policy, claims, party and reinsurance message exchange with carriers, brokers and BPOs.

We design distribution and servicing journeys against the four FCA Consumer Duty outcomes: products and services, price and value, consumer understanding and consumer support — with monitoring dashboards that surface foreseeable harm signals.

Insurance undertakings are in scope of DORA. We engineer ICT risk registers, incident classification, threat-led penetration testing readiness and third-party ICT contracts inventory directly into the platform rather than as compliance overlays.

Yes. We deliver UBI and telematics pipelines (OBD-II, smartphone SDKs, smart-home and commercial-fleet IoT), event normalization, scoring and feedback into underwriting and pricing engines with auditable model governance.

Yes — that is our default approach. We wrap the legacy core with an ACORD-native integration layer, stand up new products and channels alongside it, and migrate books of business incrementally by line or segment. This keeps renewals, billing and reserving running while risk is retired gradually, rather than betting the carrier on a single cutover weekend.

We deliver headless rate-quote-bind-issue APIs that drop into retail, mobility, travel and fintech checkouts, with white-label IPID, KFD and policy-document delivery. Under IDD we wire in product-oversight-and-governance and demands-and-needs capture at the distribution point, so partners can sell compliantly without building insurance expertise themselves.

Underwriting, pricing and fraud models are versioned in MLflow with a model-risk register, documented features and explainability on every score. Because insurance profiling can be high-risk under the EU AI Act, we build logging, human-oversight hooks and bias monitoring in from the start — aligned with NAIC model-governance expectations on both sides of the Atlantic.

Yes. We design a shared core with jurisdiction-specific control and reporting layers: NAIC Model Laws and NY DFS Reg 500 for US operations; Solvency II, IDD, GDPR and DORA for the EU and UK. Data residency, region pinning and per-jurisdiction reporting pipelines let a single platform serve carriers and MGAs operating across both markets.

We offer both fixed-scope delivery and dedicated development teams that extend your in-house engineering. Most engagements begin with a paid discovery: workshops with underwriting, claims, actuarial and compliance to map product lines, regulators and reinsurance counterparties, producing an ACORD-native architecture and control map before sprint one.