Software for insurance distribution
The agency management system is the floor, not the ceiling.
Systems we integrate with
- Agency management systems
- Carrier rating & quoting APIs
- ACORD data standards
- E-signature
- Premium finance & payments
- CRM platforms
- Document management
- Loss & bureau data providers
What actually goes wrong in insurance
Recognisable, specific, and drawn from systems we've worked on rather than an industry report.
Your agency management system holds the data and won't extend
The AMS is the system of record and the hardest place to build anything new. Teams work around it in spreadsheets, and the spreadsheets become the real process.
Rating and quoting live in workbooks
Program rates, tiers and eligibility rules sit in spreadsheets emailed between producers and underwriters, with no version history and no way to audit which rate produced which quote.
Commission reconciliation is a monthly investigation
Carrier statements arrive in a dozen formats, splits vary by producer and program, and matching what you were paid against what you were owed takes days.
Submissions are assembled by hand for every carrier
The same risk gets rekeyed into multiple carrier portals in slightly different shapes, and the version that bound is whichever email attachment was most recent.
Certificates and renewals are deadline work with no system
COIs, endorsements and renewal timelines are tracked in calendars and reminders. A missed renewal is an errors-and-omissions conversation.
Systems we've built for insurance
Not a menu, just a description of the shapes of work that come up repeatedly in this vertical.
- Quoting and rating workflows with versioned rate logic
- Submission, bind and issuance portals for producers
- ACORD form generation and prefill from existing records
- Policy administration extensions on top of the AMS
- Commission accounting, splits and statement reconciliation
- First notice of loss intake and claims triage
- Certificate issuance, tracking and automated renewal reminders
- Book-of-business, retention and loss-ratio analytics
The requirements that are easier to build in than bolt on
Compliance, auditability and correctness cost far less when they're part of the architecture from the start. Retrofitting them is where budgets go.
Producer licensing and appointments are gating conditions
Who may quote, bind or receive commission depends on licensure and carrier appointment by state. That belongs in the system as a rule, not as a training reminder.
Surplus lines carries its own filing obligations
Diligent search, stamping and state filings differ by jurisdiction. Systems that touch surplus lines need the paperwork trail built in.
Every commission change needs an audit trail
Splits and overrides are money between people who will eventually disagree. Append-only history makes that conversation short.
Policyholder data retention
Records carry multi-year retention with state variation, alongside PII obligations. Retention and legal hold are designed in.
How insurance clients usually engage
Custom Software Development
Applications built for how your business actually works: the workflows no off-the-shelf product will ever match.
Systems Integration
Connect your CRM, ERP, PMS, billing and internal tools so data moves once, automatically, and stops being retyped.
Support & Modernization
We take over existing systems (including ones whose original developers are long gone), stabilize them, and modernize them incrementally.
Tell us about your insurance project
Thirty minutes with an engineer who can scope it. You'll leave with a view on approach, a budget range, and an honest answer about whether we're the right firm, including when we aren't.