Regulatory compliance is foundational to our insurance development process. We implement comprehensive audit trails logging all policy and claim transactions, configurable business rules supporting state-specific requirements, automated regulatory reporting for quarterly and annual statements, data retention policies meeting state mandates, and security controls protecting policyholder information. Our compliance approach includes reviewing state insurance department requirements during requirements phase, implementing controls ensuring rating and underwriting follow filed guidelines, building regulatory reporting capabilities into the system, conducting compliance testing before deployment, maintaining documentation for audit purposes, and providing compliance updates when regulations change. We work closely with your compliance team and can coordinate with state regulators if needed.

We've successfully modernized 30+ legacy insurance systems, including mainframe policy administration systems, aging claims platforms, and custom-built legacy applications. Our modernization approach prioritizes business continuity, typically using phased migration where new business starts on the modern platform while existing policies remain on legacy until renewal or specific conversion windows. Our data migration methodology includes comprehensive data analysis understanding legacy data structures and quality issues, data cleansing correcting issues before migration, mapping legacy data to modern data models, building automated migration tools and validation scripts, conducting test migrations in non-production environments, and executing production migrations with parallel system operation ensuring accuracy. We've migrated millions of policies with 99.9%+ accuracy and zero business disruption.

Implementation timelines vary significantly based on scope and complexity:

Agent Portal / Customer Self-Service: 3-4 months

Claims Management System: 6-9 months

Policy Administration System (single line): 9-12 months

Multi-line Policy Administration: 12-18 months

Comprehensive Digital Transformation: 18-24+ months

Our agile methodology delivers working software in bi-weekly sprints, so you see progress continuously and can provide feedback throughout development. Complex implementations are typically phased (e.g., starting with one product line before expanding to others) reducing time-to-value. We provide detailed timelines during initial assessment accounting for your requirements, integration complexity, and organizational readiness.

Yes, integration is a core strength. We've integrated with ISO (Insurance Services Office) for rating and coverage information, NAIC SERFF for rate filings, data providers including LexisNexis, Verisk, TransUnion, credit bureaus, MVR providers, medical information bureaus (MIB), and prescription drug databases. We implement ACORD standards for policy, claims, and billing data exchange, enabling interoperability with agency management systems, carrier platforms, and third-party services. Our integration expertise includes understanding insurance-specific protocols and data formats, implementing real-time API integrations for immediate data enrichment, building batch interfaces for high-volume processing, creating middleware layers enabling system decoupling, handling error scenarios and data quality issues, and maintaining integrations as third-party services evolve.

Technology recommendations depend on your specific needs, but our typical modern insurance technology stack includes:

Frontend: React.js for web portals, React Native for cross-platform mobile apps, providing excellent user experience while reducing development costs compared to separate native apps.

Backend: Node.js for high-performance transaction processing, or Python for applications requiring AI/ML capabilities, or Java Spring Boot for enterprise scale.

Database: PostgreSQL for transactional data requiring ACID compliance, MongoDB for flexible data models, with cloud database services (AWS RDS, Azure SQL) enabling managed operations.

Cloud Platform: AWS, Azure, or Google Cloud providing scalability, disaster recovery, and managed services reducing infrastructure management.

Business Rules: Drools or IBM ODM for complex rating and underwriting rules requiring frequent updates without code deployment.

We also leverage AI/ML frameworks (TensorFlow, PyTorch) for fraud detection and risk assessment, and API-first architectures enabling InsurTech partnerships and embedded insurance distribution.

Yes, comprehensive support is standard. We offer tiered support options including:

Standard Support: Business hours coverage with 4-hour response for critical issues, monthly maintenance updates, quarterly platform reviews, and security patches.

Premium Support: 24/7 coverage with 1-hour response for critical issues, dedicated support team, proactive monitoring, and regular optimization.

Managed Services: Full platform management including infrastructure monitoring, database administration, application updates, security management, and user support.

Support services include incident response and resolution, performance monitoring and optimization, bug fixes and patches, security updates, compliance patches for regulatory changes, backup and disaster recovery management, infrastructure scaling as transaction volumes grow, and regular system health reports. For mission-critical policy administration and claims systems, we recommend premium support ensuring immediate response to issues affecting business operations.

Insurance product complexity requires flexible, rules-driven architecture. We implement configurable product definitions supporting different coverage options, limits, deductibles, and endorsements without code changes, rules engines (Drools, IBM ODM) managing rating algorithms, underwriting guidelines, and business logic, rating table management enabling actuarial teams to update rates, and support for complex rating factors including territory, class codes, loss history, claims experience, and credit scores. Our approach separates product configuration from core code, enabling non-technical staff to manage products, supports versioning enabling rate changes while maintaining historical accuracy, implements testing frameworks validating rating accuracy, provides audit trails documenting all rating calculations, and enables rapid new product launches (weeks vs months) through configuration rather than custom development.

We implement comprehensive security including encryption at rest (AES-256) and in transit (TLS 1.3), role-based access controls limiting data access by job function, multi-factor authentication for system access, database-level security with column-level encryption for sensitive data (SSN, account numbers), and comprehensive audit logging tracking all data access and changes. Additional measures include Web Application Firewalls protecting against attacks, regular security audits and penetration testing, vulnerability scanning throughout development, secure coding practices following OWASP guidelines, data masking in non-production environments, disaster recovery with encrypted backups, security awareness training for development teams, and compliance with data privacy regulations (HIPAA for health insurance, GDPR where applicable). We maintain security documentation for regulatory audits and carrier partner due diligence.

While we're not legal advisors or insurance consultants, we actively support your licensing and regulatory processes through technical expertise. We help prepare technology documentation for state insurance department applications, build systems meeting state-specific regulatory requirements, implement controls ensuring compliance with filed rates and rules, create automated regulatory reporting for quarterly and annual statements, and document system security and data protection measures for regulatory review. We can coordinate with your compliance team, outside counsel, and insurance consultants ensuring technology properly supports regulatory requirements. For rate filing submissions (SERFF, I-File), we document rating algorithms, provide rate testing results demonstrating accuracy, and support the rate hearing process if questions arise about technical implementation.

Catastrophe events require insurance systems to scale rapidly handling claim surges while maintaining service levels. Our catastrophe support includes:

Scalable Infrastructure: Cloud-based architecture automatically scaling to handle 10x normal claim volumes during catastrophes.

Catastrophe Workflows: Specialized FNOL processes for catastrophe claims, automated assignment based on adjuster availability and location, priority routing ensuring fastest response for most severe losses, and mobile apps enabling field adjusters to process claims without internet connectivity.

Integration: Catastrophe modeling tools (RMS, AIR Worldwide) identifying exposed properties, aerial imagery services for damage assessment before adjuster deployment, and public catastrophe databases (NOAA storm data, USGS earthquake info).

Customer Communication: Automated status updates and proactive outreach, customer portals enabling self-service claim submission and status checking, and call center integration handling claim inquiry volumes.

We've supported insurers through major catastrophes (hurricanes, floods, earthquakes, wildfires) enabling them to process thousands of catastrophe claims while maintaining normal operations.

Our comprehensive testing includes:

Functional Testing: Validating all user workflows (quoting, binding, policy issuance, claims submission), testing edge cases and error scenarios, verifying integration points with external systems.

Rate Testing: Comparing system-calculated rates against actuarial spreadsheets for 100+ test scenarios, validating rating factors applied correctly, ensuring proper handling of discounts and surcharges, and testing rate version control (effective dates, policy term application).

Transaction Testing: Policy lifecycle testing (new business, endorsements, cancellations, renewals), claims workflow testing (FNOL, assignment, settlement), and commission calculation validation.

Integration Testing: End-to-end testing across integrated systems, testing data provider integrations (success and error scenarios), and payment processing validation.

Performance Testing: Load testing simulating peak transaction volumes (renewal periods, catastrophe FNOL), stress testing determining system breaking points, and scalability testing.

Security Testing: OWASP vulnerability assessments, penetration testing by third-party security firms, and data security validation.

User Acceptance Testing: Structured UAT with actual users (agents, underwriters, claims adjusters), scenario-based testing matching real-world operations, and feedback collection for refinement before go-live.

For policy administration systems, we conduct parallel testing processing new business in both legacy and new systems comparing outputs for accuracy before cutover.