# Insurance Software Development > Build insurance platforms with policy administration, claims processing, underwriting engines, and regulatory compliance. Canonical: https://app369.com/industries/insurance/ Insurance software for carriers, MGAs and agencies: instant quoting, digital claims intake and processing, policy administration and customer portals, built around regulatory requirements such as NAIC rules and Solvency II. [**Get a Free Quote **→](https://app369.com/contact/) [**View Portfolio**](https://app369.com/portfolio/) **Solvency II** and NAIC compliance **FL** Based in Miami, Florida **Flutter** iOS, Android & web **Fixed** Price in writing before work starts What App369 Delivers ## **Insurance Solutions We Deliver** 01 ### **Policy Administration Systems** End-to-end policy lifecycle management covering quoting, binding, endorsements, renewals, and cancellations across P&C, life, and specialty lines. 02 ### **Claims Processing Platforms** AI-assisted claims intake, damage assessment, and adjudication workflows with fraud scoring and automated settlement for low-complexity claims. 03 ### **Underwriting Engines** Rules-based and ML-powered underwriting decisioning with real-time data enrichment from third-party sources. 04 ### **Risk Assessment Tools** Predictive risk models incorporating geospatial data, claims history, IoT telemetry, and external data feeds for accurate pricing. Swiss Re estimates that advanced risk analytics improve combined ratios by 3-5 percentage points for carriers that adopt them. 05 ### **Regulatory Compliance Modules** Automated compliance reporting for Solvency II capital requirements, NAIC statutory filings, and state-specific rate and form filings. 06 ### **Customer Self-Service Portals** Policyholder portals with digital ID cards, claims filing, payment management, and coverage comparison tools. J.D. How it works ## **The Development Process** Short sprints with a working demo at the end of each one mean you see progress early and can change priorities before they become expensive. 2. 01 ### **Discovery** Simon analyzes your vision, goals, and competitive landscape to craft a solution roadmap. This phase typically runs 1-2 weeks and defines the full project scope. 3. 02 ### **Design** Intuitive UI/UX crafted with interactive prototypes. Prototypes let you test the flow with real users before any code is written. 4. 03 ### **Development** Expert engineering using Flutter, Vue.js, Node.js, and GCP in 2-week Agile sprints with weekly milestone demos for full transparency. 5. 04 ### **Launch & Support** Reliable deployment with crash and uptime monitoring and ongoing maintenance. Maintenance plans run during business hours, Monday to Friday. ## The Technology Stack - Flutter - TypeScript - Node.js - GCP - Firebase - Vue - JavaScript - Python Questions ## **Frequently Asked Questions** ### **How does AI improve claims processing speed and accuracy?** AI-powered claims processing uses computer vision for damage assessment (photo-based auto estimates), NLP for intake form parsing, and ML models for fraud scoring and reserve estimation. Low-complexity claims are processed straight-through without adjuster involvement. The system continuously learns from adjuster decisions to improve automated severity classifications and settlement recommendations. ### **Can custom insurance software support multiple lines of business on one platform?** Yes, we build multi-line policy administration systems with configurable product models that support personal auto, homeowners, commercial property, liability, workers compensation, and specialty lines on a shared platform. Our architecture uses modular product configuration: each line has its own rating, forms, and rules engine while sharing common infrastructure for billing, documents, and customer management. ### **How do you ensure Solvency II compliance in insurance platforms?** Solvency II Pillar 1 (quantitative requirements), Pillar 2 (governance), and Pillar 3 (reporting) are embedded into the platform architecture. The system calculates Solvency Capital Requirements (SCR) using standard formula or internal models, generates QRTs (Quantitative Reporting Templates), and maintains audit-ready documentation. The platform can include stress testing modules and ORSA (Own Risk and Solvency Assessment) support. ### **What role does IoT play in modern insurance underwriting and risk management?** IoT enables usage-based insurance (UBI) for auto, smart home monitoring for property, and wearable data integration for health and life products. Telematics devices provide real-time driving behavior data, and smart sensors detect water leaks or fire hazards before they cause major losses. The platform can ingest IoT data streams, feed them into underwriting models, and trigger real-time policyholder alerts. ![Simon Dziak - Founder of App369](https://app369.com/.netlify/images?w=120&h=120&fm=webp&q=100&url=%2Fimages%2Fszymon.jpg) Your Development Partner ## [Simon Dziak](https://app369.com/about/) I build every insurance software development project myself, with Flutter and Firebase, and I personally ensure every project meets the highest standards. ## **Prefer a fixed price?** Fixed scope, fixed price, paid upfront. The work happens in writing; no call needed. - [**Web App MVP Sprint**from $6,000A scoped web app MVP in Vue/Nuxt or React, with a fixed quote after a $450 written scoping.](https://app369.com/fixed-price/web-app-mvp/) - [**App Fix Ticket**from $450One reproducible bug in an existing mobile or web app, diagnosed and fixed.](https://app369.com/fixed-price/flutter-firebase-bug-fix/) - [**AI Feature or Agent Build**$2,500One LLM feature or agent wired into your app or tools, with an eval set that shows how well it works.](https://app369.com/fixed-price/ai-feature-development/) ## **Build Modern, Compliant Insurance Platforms** [**Get a Free Quote **→](https://app369.com/contact/) [**View Portfolio**](https://app369.com/portfolio/)