Can a single platform truly turn fragmented processes into measurable growth for your company? We ask this because we partner with clients to align technology with clear business outcomes, combining proven engineering with operational focus.
Since 2012, our teams have delivered custom insurance platforms that scale from one user to over a million, built on cloud-native patterns and resilient architecture that preserve performance at peak demand.
We blend compliance-by-design and a security-first posture, supported by in-house experts with decades of practice, to meet U.S. regulatory expectations while unifying data and management across underwriting, claims, and reporting.
Working as a collaborative software development company, we translate your goals into roadmaps, clear KPIs, and iterative delivery that reduce risk and accelerate time to value, with transparent sprint velocity and enterprise-grade scalability.
Key Takeaways
- We treat partnerships as strategic, linking technology to measurable outcomes.
- Cloud-native, resilient architectures protect performance and control costs.
- Compliance-by-design and experienced teams support U.S. regulatory needs.
- We harmonize data to create a single source of truth for faster decisions.
- Transparent delivery and shared KPIs accelerate value and reduce risk.
Why Choose Our Insurance Software Development Services Today
By targeting high-impact automation and modular architecture, we drive efficiency while preserving changeability for future growth. Our approach reduces manual handoffs across policy and claims lifecycles, delivering measurable savings and faster cycle times.
Longevity-centered cloud architecture is at the core of our work. We design resilient, cloud-native platforms that scale and integrate new data sources without disrupting operations.
We build seamless integration with CRM, payments, and third-party providers to consolidate data for better analytics and faster decisions. That reduces maintenance overhead and improves the customer experience.
- Cost optimization: fit-for-purpose components and right-sized environments prevent overprovisioning.
- Transparent delivery: sprint velocity tracking and regular reporting keep your team informed and in control.
- Security by design: controls and compliance measures protect sensitive data while preserving performance.
We pair a collaborative team with clear KPIs, rapid prototypes, and ROI metrics so leadership can connect architecture choices to financial outcomes. The result is a future-proof platform that supports growth and regulatory change.
End-to-End Delivery: From Consulting to Deployment and Support
We lead each engagement with practical implementation consulting that defines scope, compliance guardrails, and a clear delivery roadmap.
Implementation consulting, architecture, and risk mitigation
We map requirements to an executable architecture, aligning integration patterns with core systems and third-party data. This reduces risk and keeps timelines predictable.
Custom development, integration, QA, and documentation
Our engineers deliver disciplined builds with automated testing and rigorous QA to ensure scalability and data protection. We supply full documentation—APIs, runbooks, and user guides—so teams and clients can operate with confidence.
Modernization and employee training
We modernize legacy components using strangler patterns and containerization to shorten time to benefit and limit disruptions. Training, shadowing, and knowledge transfer empower internal teams to run and extend the platform.
- Early planning: timelines, cost estimates, and mitigation strategies from day one.
- Measured delivery: KPIs for defect leakage, cycle time, and deployment frequency.
- Ongoing support: post-launch tuning, cost optimization, and SLA-backed reliability.
| Vendor | Strengths | Primary focus |
|---|---|---|
| ScienceSoft | Detailed architecture, security, compliance planning | Consulting, project plans, risk estimates |
| Geniusee | Transparent discovery, risk prediction, launch & scaling | Process clarity, testing, scaling |
| OSP | Rigorous QA, scalability checks, secure deployment | Testing frameworks, smooth cutovers |
We orchestrate phased releases and continuous telemetry so the platform improves over time, remaining aligned with business goals and governance.
Insurance Software Solutions and Capabilities We Build
We design modular platforms that centralize underwriting rules, claims workflows, and customer portals to reduce manual work and speed decisions. Our goal is to turn complex processes into clear, auditable flows that scale as products and volumes change.
- Policy management, underwriting, and rating: central rule engines, streamlined endorsements, renewals, and compliance checks with full audit trails.
- Claims management and automated payouts: comprehensive claims viewing, automated work assignment, investigation flows, triage, fraud detection, and faster payouts.
- Billing, quoting, and self-service portals: quoting engines, billing automation, and customer portals that reduce contact center load and increase transparency.
- Agency management, CRM, and ERP: lead-to-commission workflows, producer dashboards, and integrated accounting for clearer performance insight.
- Document management, reporting, and analytics: capture structured and unstructured data, version control, and actionable dashboards for underwriting, claims, and finance.
- Risk management and fraud prevention: centralized risk scoring, asset-based analysis, and anomaly detection that flag exposure before losses escalate.
- RPA, telematics, and IoT: robotic automation for back-office work, telematics streams and device data to enable usage-based models and personalized pricing.
We also deliver configurable workflows, scalable APIs, and microservices so non-technical teams can adapt processes without long IT cycles. Robust security controls, role-based access, encryption, and complete audit trails are woven through every capability to meet regulatory expectations while preserving agility.
Industry Coverage: Carriers, Agencies, MGAs, Reinsurers, and Insurtechs
We support carriers, agencies, MGAs, TPAs, brokers, reinsurers, and insurtechs with tailored platform roadmaps and governance that reflect each segment’s operating realities.
Our goal is to match scope, integrations, and compliance to how your organization runs day to day. We sequence features so pilots validate market fit, then scale to enterprise-grade controls.
- Tailored offerings for carriers and agencies, aligning core policy, claims, and billing with modern channels.
- Startup enablement from MVP to scalable platforms, including time & material or dedicated team models.
- Domain-savvy teams—product strategists, BAs, architects, and engineers—to reduce translation risk.
- Broker and agency tools for quoting, CRM, and commissions that shorten turnaround and improve accuracy.
- Reinsurer analytics and secure exposure management for faster treaty analysis.
| Partner | Focus | Typical engagement |
|---|---|---|
| ScienceSoft | Compliance-ready platforms for carriers and reinsurers | Consulting, architecture, full-lifecycle delivery |
| Geniusee | MVP to product scaling for insurtechs | Time & material, dedicated teams |
| OSP | On-demand teams across PM, BA, UI, Dev, DevOps, QA | Rapid augmentation and operational support |
We engage as a long-term partner, aligning SLAs and governance to your model and committing to clear metrics and transparent communication.
Lines of Business We Serve: Life, Health, P&C, and Specialty
From HIPAA-ready life and health apps to telematics-driven auto solutions and tailored specialty products, we align product design with real risk and customer needs.
Life and health
We build HIPAA-ready life and health applications that safeguard PHI and enable behavior-based incentive programs.
These apps streamline underwriting by integrating clinical and wearable data, improving risk profiles and accelerating approvals.
Auto and property
Auto and property platforms use telematics for usage-based pricing and parametric triggers for faster payouts.
We embed intelligent image analysis for claims photos to speed adjudication and reduce manual review.
Business and specialty
For cyber, marine, aviation, energy, and engineering, we tailor data models, endorsements, and rating factors to unique exposures.
Policy workflows support complex endorsements, renewals, and audit-ready reporting across lines.
- Underwriting workbenches: configurable rules, third-party enrichment, and collaborative reviews.
- Cross-line analytics: aggregation to spot trends, detect leakage, and guide product strategy.
- Interoperability: consistent security and performance with core systems and partners.
| Line | Key capability | Business benefit |
|---|---|---|
| Life & Health | HIPAA readiness, behavior programs, clinical data | Faster underwriting, better risk insight |
| Auto & Property | Telematics, parametric triggers, image analysis | Accurate pricing, quicker claims payouts |
| Specialty & Business | Tailored endorsements, sector data models | Improved exposure management, regulatory fit |
Modern Insurance Models and Digital Experiences
Digital-first products now combine short-term policies, pooled coverages, and automated triggers to meet new market needs.
We enable modern models—parametric, microinsurance, short-term, P2P, and joint constructs—by codifying event triggers, automating verification, and simplifying payouts so customers get answers fast.
Product models and payout automation
ScienceSoft supports parametric and behavior-based programs that turn external signals into clear claims workflows.
Geniusee builds front-end customer portals that work across devices, lowering friction for purchases and post‑purchase actions.
OSP delivers mobile apps with chatbots, calculators, payment modules, and push alerts to keep engagement high.
Omnichannel user experience
We design consistent journeys across web, mobile, and desktop, with synchronized sessions, accessible UI, and unified notifications so customers manage policies and claims without friction.
- Chatbots for 24/7 help and coverage calculators for clear choices.
- Tokenized payment modules and lightweight purchase flows for embedded microinsurance.
- Dynamic onboarding that pre-fills forms and validates identity to reduce abandonment.
We link UX metrics to operational outcomes—reduced support calls, higher retention, and faster conversion—so product teams can iterate using A/B testing and analytics.
| Vendor | Role | Notable features |
|---|---|---|
| ScienceSoft | Risk model & parametric engines | Behavior triggers, automated verification |
| Geniusee | Customer-facing portals | Cross-device access, session sync |
| OSP | Mobile engagement | Chatbots, payment modules, push notifications |
For teams building custom offerings we link product strategy to execution; learn how we deliver custom insurance platforms that scale while preserving compliance and performance.
Technology Stack to Power Custom Insurance Software
Our technology stack pairs proven cloud primitives with advanced AI to turn raw signals into decisive business actions. We choose components that map to measurable outcomes, so teams move from experiments to production with clear ownership.
We apply AI/ML and generative models to streamline underwriting classification, speed claims triage, and enrich customer dialogs. Intelligent image analysis validates damage and cuts adjuster workload.
Data, analytics, and model lifecycle
We build big data pipelines and governed warehousing to power predictive analytics, pricing refinement, and fraud detection. MLOps and DataOps automate model testing, deployment, and lineage so results stay reliable.
Distributed platforms and integrations
Cloud platforms, microservices, and low-code accelerators speed delivery and improve resilience. We pair RPA with APIs, event buses, and secure connectors to enable end-to-end automation and stable integration with CRMs and payments.
Edge tech and emerging ledgers
IoT, wearables, and telematics feed near-real-time signals for behavior-based pricing, while blockchain and smart contracts are applied where transparent settlements or asset tokenization add real value.
| Capability | Business benefit | Operational control |
|---|---|---|
| AI/ML & image analysis | Faster triage, fewer manual reviews | MLOps, explainability |
| Big data & warehousing | Accurate pricing, fraud detection | Governed schemas, lineage |
| Cloud & microservices | Scalable features, lower ops cost | Autoscaling, observability |
Security and Compliance Built In for the U.S. Insurance Market
Security and compliance are embedded from design through operations, keeping sensitive records protected and auditable at scale. We align processes and controls so your platform meets regulatory expectations while remaining usable for staff and customers.
ISO-aligned quality and security practices
We embed ISO 9001 and ISO 27001-aligned practices into delivery and operations, delivering disciplined quality management, strong access controls, and continuous improvement across environments.
ScienceSoft has maintained ISO certifications and a cybersecurity practice since 2003, providing in-house compliance expertise that supports audit-ready evidence and governance.
Regulatory readiness and controls
We map controls to HIPAA, GLBA, NAIC, NYDFS, GDPR, AML/KYC, and IFRS17, producing documentation and test evidence that simplify audits and speed approvals.
Geniusee contributes transparent QA and cybersecurity services, while OSP supplies secured storage, audit trails, and data leakage prevention for high-assurance operations.
Data protection, audit trails, and fraud analytics
- Data safeguards: encryption, tokenization, fine-grained IAM, and retention policies that match legal and business needs.
- Auditability: comprehensive trails capturing user actions, system events, and integrations for investigation and compliance reporting.
- Fraud analytics: anomaly detection across claims, billing, and underwriting, with models that improve via feedback while limiting false positives.
We follow a secure SDLC—threat modeling, static and dependency scanning, and penetration testing—plus incident runbooks, backups, and resilience testing to reduce downtime risk and protect trust. Our approach aligns security with usability so operational teams can manage controls efficiently, and third-party risk is monitored to preserve ecosystem integrity.
Integration and Data Migration for Enterprise-Grade Platforms
We design predictable integrations and migration plans that keep core systems available and data accurate during change. Our approach balances speed with control so business teams continue to operate while platforms evolve.
CRM, payments, third-party data sources, and core systems
We architect connectors for CRM, payment gateways, third-party enrichments, and core policy and claims systems, standardizing APIs and observability so data flows are reliable and measurable.
- Resilient patterns: idempotent calls, retries, and event-driven decoupling for near‑real‑time updates without overloading platforms.
- Security at the edge: mutual TLS, OAuth2, and secrets management to protect integration boundaries.
- Vendor support: ScienceSoft handles core integrations and migration risk, Geniusee focuses on application-level integration, and OSP validates end-to-end portals and engines with rigorous QA.
Legacy data migration with minimal downtime
We profile, cleanse, and reconcile legacy records, then run phased cutovers or parallel operations to protect continuity and reduce risk.
Validation rehearsals and runbooks, plus monitored SLAs and dashboards, ensure mappings are correct and teams can roll back quickly if needed.
- Documented contracts, data dictionaries, and versioned APIs to prevent breaking changes.
- Continuous optimization and lessons learned to shorten future migrations and integrations.
Cloud, On-Premises, or Hybrid: Deploy on Your Terms
Choose the deployment model that matches your governance and latency needs—public cloud, on-premises, or a hybrid mix that preserves control while enabling growth.
We design platforms to scale from single users to over a million, using autoscaling, caching, and efficient data access patterns so performance remains steady as load grows.
Scalability and performance for 1 to 1,000,000+ end users
Our architects apply horizontal scaling, multi-zone high availability, and performance testing to validate capacity before peaks arrive.
ScienceSoft designs cloud architectures for large growth, while Geniusee and OSP add resilient deployments, QA, and DevOps practices to keep latency low.
Cost optimization and resilience strategies
- Cost controls: right-sized compute, reserved capacity, and tagging for budget accountability.
- Resilience: circuit breakers, graceful degradation, and multi-region failover where needed.
- Operational readiness: CI/CD, IaC, observability, runbooks, and training so your team can manage the platform.
| Deployment | Benefit | When to choose |
|---|---|---|
| Public cloud | Rapid scale, lower ops | Variable load, fast time-to-market |
| On‑premises | Data locality, tight control | Strict residency or latency rules |
| Hybrid | Balance control and innovation | Phased migrations, mixed governance |
Mobile and Web Apps that Elevate the Customer Experience
Modern mobile and web apps must make interactions simple, fast, and context-aware for every policyholder and agent. We build interfaces that reduce friction and guide users through tasks, while preserving security and auditability.
Self-service portals let a customer view documents, manage a policy, start a claim, and get real-time updates, lowering support calls and boosting satisfaction.
Agent productivity: quoting, underwriting, and field tools
We deliver quoting tools, underwriting collaboration, and inspection apps that sync with core systems. Field photos, notes, and approvals flow into reporting dashboards so teams act faster and with better data.
- Onboarding and KYC: pre-filled forms, verified data, and guided coverage selection.
- Chatbots & contextual help: instant answers with smooth escalation to humans.
- Omnichannel continuity: start on mobile, finish on desktop without losing context.
| Vendor | Mobile & Web Strengths | Typical Outcome |
|---|---|---|
| OSP | Chatbots, calculators, payments, push onboarding | Higher engagement, faster claims intake |
| Geniusee | Customer portals, interactive dashboards | Clear self-service and actionable reporting |
| ScienceSoft | Long-term UX expertise, rich self-service features | Polished apps that reduce manual work |
We partner with your team to align design systems and analytics so behavioral data informs the roadmap and automation improves outcomes over time.
Proven Process and Cooperation Models
We begin with a focused discovery phase that surfaces risks, priorities, and a practical backlog for rapid validation. This initial work aligns stakeholders, defines success criteria, and sets a clear process for delivery.
Discovery, strategy, and risk planning
We translate strategy into an actionable roadmap by holding workshops, profiling data, and creating a living risk register.
We test assumptions early, add mitigation plans, and produce documentation and training that help teams adopt new ways of working.
Agile delivery with transparent velocity tracking
We deliver in short increments with visible metrics, burn-up charts, and demo sessions so scope and forecasts remain predictable.
Geniusee tracks team velocity per sprint and shares dashboards so clients can make informed trade-offs in real time.
Engagement options: time & material and dedicated teams
We offer time & material for exploration and R&D, and dedicated teams for long-term delivery and continuity.
OSP supplies full-cycle, on-demand teams while ScienceSoft supplies risk mitigation plans, detailed docs, and role-based training.
| Partner | Cooperation model | Notable practice |
|---|---|---|
| ScienceSoft | Consulting & long-term programs | Risk plans, documentation, training |
| Geniusee | Time & material, dedicated teams | Sprint velocity tracking, scaling playbook |
| OSP | On-demand full-cycle teams | Rapid augmentation, end-to-end execution |
We pair cross-functional teams—product, BA, architecture, QA, DevOps—with CI/CD and automated testing to reduce defects and shorten feedback loops.
We communicate frequently with demos, decision logs, and agreed SLAs so governance bodies and operational teams stay informed.
Costs and Timeframes: What Impacts Your Investment
Cost outcomes hinge on scope decisions, platform choices, and the number of external connectors you need. We begin with discovery to quantify integrations, compliance work, and migration needs so estimates reflect real effort and risk.
Scope, complexity, integrations, and compliance requirements
Large rule sets, AI/ML, telematics, or heavy integration with legacy systems raise both costs and time. Compliance work, audit trails, and reporting add discrete tasks that must be planned and tested.
Market benchmarks help: focused claims solutions often range from $45,000 to $100,000, while broader platform builds require larger investments and longer calendars.
MVP vs fully featured releases and platform choices
We recommend an MVP to validate product-market fit, then scale modules iteratively. Lightweight ideas can start near 350 hours; comprehensive initiatives commonly exceed 1,300 hours, depending on integrations and QA.
- Transparent estimates: grounded in discovery, team mix, and historical metrics.
- Total cost of ownership: maintenance, security updates, monitoring, and licensing included in budgets.
- Hiring and platform trade-offs: language, hosting, and vendor lock-in affect long‑term cost and operability.
| Driver | Typical impact | Mitigation |
|---|---|---|
| Integrations | Higher hours, testing cycles | Standard connectors, API contracts |
| Compliance | Additional audit work | Compliance templates, early reviews |
| Features | Scope-driven cost | Phased delivery, reusable components |
Conclusion
Our approach pairs deep domain knowledge with disciplined engineering to turn complex workflows into measurable business results, reducing cycle time, improving accuracy, and lowering operational risk.
We deliver custom insurance platforms and clear roadmaps that reflect client needs, combining consulting, modernization, integration, and ongoing support under transparent governance.
ScienceSoft, OSP, and Geniusee provide references and real results that validate our model—scalable architectures, compliance-by-design, and continuous improvement that protect transactions and streamline processes.
Engage our team for a short discovery session to align success metrics, quantify automation value, and create a pragmatic path from concept to production with low friction and high impact.
FAQ
What outcomes can we expect when partnering with your team for custom insurance software development?
We deliver measurable business outcomes including streamlined processes that boost operational efficiency, reduced operational costs through automation and cloud architecture, and improved customer experience via omnichannel portals and faster claims handling, all while maintaining regulatory compliance and strong security controls.
How do you ensure longevity and seamless integration with existing platforms?
We design cloud-native, microservices-based platforms and use API-first integration patterns to ensure longevity, scalability, and easy connection to CRMs, billing engines, and core systems, while providing migration plans that minimize downtime and preserve data integrity.
What does end-to-end delivery include from consulting to support?
Our end-to-end approach covers implementation consulting, solution architecture, risk mitigation, custom development, QA, documentation, deployment, and ongoing managed support, as well as user training to ensure fast adoption and continuous improvement.
Which core capabilities can you build for carriers, agencies, and insurtechs?
We build policy management, underwriting and rating engines, claims management with automated payouts, billing and quoting systems, customer self-service portals, agency management, CRM and ERP integrations, document workflows, reporting and analytics, plus fraud detection and risk triage tools.
Do you support modern models like parametric, microinsurance, and usage-based products?
Yes, we design and implement parametric triggers, microinsurance workflows, short-term coverage flows, peer-to-peer models, and usage-based insurance using telematics and IoT data to enable flexible product innovation and faster time to market.
What lines of business do you serve?
We serve life and health with HIPAA-ready applications and behavior-based programs, auto and property with telematics and parametric models, and business and specialty lines including cyber, marine, aviation, and energy, tailoring solutions to each vertical’s regulatory and operational needs.
Which technologies power your custom insurance platforms?
Our stack includes AI/ML and generative AI for underwriting and claims triage, big data and predictive analytics for risk scoring, blockchain for smart contracts, IoT and telematics ingestion, cloud platforms, microservices, and RPA for process automation and integrations.
How do you address security and regulatory compliance for the U.S. market?
We adhere to ISO-aligned quality and security practices, implement regulatory readiness for HIPAA, GLBA, NAIC guidelines, NYDFS, and AML/KYC controls, and provide data protection, audit trails, and fraud prevention analytics tailored to U.S. compliance expectations.
Can you handle complex integrations and legacy data migration?
Yes, we integrate with CRMs, payment gateways, third-party data providers, and core policy systems, and execute legacy data migration strategies that preserve continuity, validate data accuracy, and limit downtime during cutover.
What deployment models do you support and how do you ensure scalability?
We deploy cloud, on-premises, or hybrid architectures based on client requirements, applying autoscaling, resilience patterns, and cost-optimization strategies to support from single-tenant setups to platforms serving 1 to 1,000,000+ end users.
How do you improve policyholder and agent experience with mobile and web apps?
We build self-service portals for policyholders with onboarding, claims updates, and payments, while creating agent tools for quoting, underwriting, and field operations that increase productivity and accelerate turnaround times.
What engagement and delivery models do you offer?
We offer flexible cooperation models including discovery and strategy workshops, agile delivery with transparent velocity tracking, and engagement options such as time & material, fixed-scope, and dedicated teams to suit project scale and governance.
What drives costs and timelines for a typical project?
Costs and timeframes depend on scope and complexity, number of integrations, compliance requirements, choice between MVP and full-featured releases, and whether modernization or greenfield delivery is required; we provide detailed estimates after discovery and prioritization of features.