Engineering for the carrier, the broker, and the InsurTech challenger.
Insurance technology is constrained by actuarial soundness, regulatory filings, reinsurance treaties, and the carrier IT shop's patience. We build software that respects all four.
Standards we hold ourselves to
What we hold ourselves to.
NAIC Model Audit Rule
For insurer financial reporting. Internal control attestation, SAP statutory reporting alignment.
State-by-state insurance department filings
Form and rate filings, market conduct exam readiness.
HIPAA for health insurance
PHI handling identical to provider-side systems.
SOC 2 Type II
Standard for any technology platform serving carriers or brokers above a threshold.
GDPR / CCPA / CPRA for consumer-facing personal lines
Including special-category data handling.
Anti-money laundering for life and annuity
CIP, suspicious activity, sanctions screening.
Common engagements in this vertical.
Policy administration
PAS for P&C, life, health. Issuance, endorsements, renewals, cancellations, reinstatements.
Claims processing
FNOL intake, adjuster workbench, fraud detection, settlement workflow.
Underwriting platforms
Rules engine, third-party data integration, pricing models, e-signature, bind workflow.
Agent and broker portals
Quote-to-bind, commission tracking, book management, license verification.
Embedded insurance
API-first products for partner channels. Real-time quote, bind, policy issuance.
Reinsurance ops
Cession management, bordereaux generation, treaty accounting.
What is different about doing this work.
- Actuarial-aware data modeling. We do not lose triangle data or paid-vs-incurred distinctions.
- Reserve-grade audit trails. Numbers reconcile to the penny across statutory and GAAP views.
- Filings-ready documentation generation. Form changes that touch policy issuance are captured.
- Reinsurance allocation logic that survives reinsurer audit.
- State-specific business rule registries. California is not Texas.
Have a insurance build in flight?
A senior engineer with vertical experience responds within one business day.
Start a brief →We had three vendors quote a policy admin replacement. Plutobee was the only one whose discovery output made our actuary nod. They shipped the underwriting workbench in fourteen weeks and we moved off the legacy core six months later.
Vertical questions, answered.
The questions buyers in this vertical ask in week one.
Can you build a modern policy admin from scratch?+
Yes. We have shipped PAS for P&C, life, and health. Issuance, endorsements, renewals, cancellations, reinstatements. State-by-state rules registry. Form and rate filing pipelines.
How do you handle reserve-grade audit trails?+
Numbers reconcile to the penny across statutory and GAAP views. No record is ever deleted. Reversals via offsetting entries with reason codes. Triangle data preserved. Paid vs. incurred distinctions maintained.
Can you integrate with reinsurance treaties?+
Yes. Cession management, bordereaux generation, treaty accounting. We have shipped reinsurance allocation logic that survived reinsurer audit.
What about embedded insurance API products?+
Yes. Real-time quote, bind, policy issuance via API for partner channels. Multi-product, multi-state, multi-carrier orchestration.
Do you handle state-specific filings?+
Yes. Filings-ready documentation generation per SERFF. Form changes that touch policy issuance are captured automatically. State-specific business rules in registry format.
How we typically wire it.
A canonical layout for this vertical. Real engagements tune this to the specific stack and constraints.