Loss notices arrive through disconnected channels
01First notices come by phone, email, broker portal and web form, each in a different format, and must be re-keyed before a claim exists.
INSURANCE SOFTWARE DEVELOPMENTGive policy and claims teams the same verifiable case record.
We build claims intake, adjuster workbenches and broker or policyholder portals that connect to your policy administration system, organize evidence and keep coverage and settlement decisions with your claims professionals.
Carriers, MGAs, agencies, brokers, TPAs and InsurTech founders
THE OPERATIONAL GAP
Claims processing fails when evidence and ownership separate.
Claims handling is a sequence of handoffs. These are the points where time, accuracy and audit evidence are usually lost.
Attachments hard to classify and associate
02Photos, estimates, police reports and medical records arrive unlabeled and are filed by hand against the right claim and coverage.
Policy details rechecked across multiple screens
03Adjusters switch between policy, billing and claims systems to confirm coverage, limits and deductibles.
Settlement approval evidence hard to reconstruct
04Reserve changes and settlement approvals happen in email, making regulatory and reinsurance audits slow and incomplete.
Loss notices arrive through disconnected channels
01First notices come by phone, email, broker portal and web form, each in a different format, and must be re-keyed before a claim exists.
Attachments hard to classify and associate
02Photos, estimates, police reports and medical records arrive unlabeled and are filed by hand against the right claim and coverage.
Policy details rechecked across multiple screens
03Adjusters switch between policy, billing and claims systems to confirm coverage, limits and deductibles.
Settlement approval evidence hard to reconstruct
04Reserve changes and settlement approvals happen in email, making regulatory and reinsurance audits slow and incomplete.
WHAT WE BUILD
Insurance software we design and build.
We extend your core policy and claims platforms rather than replacing them, and build where they leave gaps.
01
Claims intake and adjuster workbenches
Digital FNOL, triage, evidence views, diaries and reserve workflows in one screen for adjusters.
02
Broker and policyholder portals
Quote requests, policy documents, endorsements, payments and claim status for brokers and insureds.
03
Policy administration integrations
Two-way integration with policy, billing and claims cores so coverage data is never retyped.
04
Document and correspondence workflows
Document classification, extraction and templated correspondence with state-specific variations.
01
Claims intake and adjuster workbenches
Digital FNOL, triage, evidence views, diaries and reserve workflows in one screen for adjusters.
02
Broker and policyholder portals
Quote requests, policy documents, endorsements, payments and claim status for brokers and insureds.
03
Policy administration integrations
Two-way integration with policy, billing and claims cores so coverage data is never retyped.
04
Document and correspondence workflows
Document classification, extraction and templated correspondence with state-specific variations.
WORKFLOW EXAMPLE
From first notice of loss to a human-approved outcome.
An example claims flow. Triage rules, authority limits and state requirements are configured with your claims leadership.
First notice of loss received
InputWeb, app, phone or broker submission
OutputClaim record with loss details, reporter and timestamp
01Policy and claimant validated
InputClaim record and policy data
OutputCoverage, limits and deductible verified against the policy in force
02Evidence classified and attached
InputPhotos, estimates and documents
OutputClassified, extracted documents linked to the claim with confidence scores
03Adjuster assigned and missing items requested
InputTriaged claim and evidence gaps
OutputAssigned adjuster, requests for missing documents and diary dates
Review required
04Claim outcome recorded after review
InputAdjuster recommendation within authority limits
OutputApproved payment, denial or reserve change with approver and reasons
05
SYSTEM DESIGN
The architecture behind the workflow.
A reference design that keeps your policy and claims systems as records of truth and adds intake, evidence and workflow around them.
- Policy administration interface
- Claim and document repository
- Rules and document extraction service
- Adjuster queue and authority workflow
- Communication and audit services
- Adjuster assigned and missing items requested
- Policy administration interface to Claim and document repository
- Claim and document repository to Rules and document extraction service
- Rules and document extraction service to Adjuster queue and authority workflow
- Adjuster queue and authority workflow to Communication and audit services
- Adjuster queue and authority workflow to Adjuster assigned and missing items requested
- Adjuster assigned and missing items requested to Communication and audit services
Policy administration interface -> Claim and document repository -> Rules and document extraction service -> Adjuster queue and authority workflow -> Communication and audit services
01
Policy administration interface
Retrieves policy, coverage and billing status from your core systems through APIs or integration services.
02
Claim and document repository
Stores claims, evidence and correspondence with versioning and retention rules.
03
Rules and document extraction service
Applies triage rules and extracts data from documents, flagging low-confidence fields for review.
04
Adjuster queue and authority workflow
Assigns work, tracks diaries and enforces reserve and settlement authority limits.
05
Communication and audit services
Send state-compliant correspondence and keep a complete audit trail of decisions.
Technology
Chosen for the systems above.
A working set we already use for workflow software. The exact tools are chosen after the interfaces, records, and review points are known.
- Core-system APIs (e.g. Guidewire, Duck Creek where licensed)
- ACORD data standards
- Document classification and OCR
- Workflow engines
- E-signature and correspondence services
Interfaces
ReactNext.jsTypeScriptTailwind CSSReactNext.jsTypeScriptTailwind CSSServices
Node.jsPythonNestJSExpress.jsNode.jsPythonNestJSExpress.jsData
PostgreSQLMongoDBMySQLRedisPostgreSQLMongoDBMySQLRedisDelivery
AWSDockerGitHubAWSDockerGitHub
DESIGN TRADE-OFFS
Decisions that change cost, reliability and scope.
These choices determine regulatory exposure as much as engineering effort.
AI document extraction versus automated settlement
Extraction and triage save adjuster time with limited risk. Automated settlement or denial raises unfair claims practices and AI governance concerns.
Define which decisions may be automated with compliance and claims leadership.
Core-system APIs versus file exchange
Modern cores expose APIs; older or outsourced systems may only exchange files. The right choice depends on what your core and TPAs support.
Review core-system and TPA integration options and costs.
Rules versus statistical risk scores
Rules are transparent and easy to audit; statistical models may detect more fraud or severity but need bias testing and documentation.
Test models for unfair discrimination and document them per your state's AI guidance.
AI document extraction versus automated settlement
Extraction and triage save adjuster time with limited risk. Automated settlement or denial raises unfair claims practices and AI governance concerns.
Define which decisions may be automated with compliance and claims leadership.
Core-system APIs versus file exchange
Modern cores expose APIs; older or outsourced systems may only exchange files. The right choice depends on what your core and TPAs support.
Review core-system and TPA integration options and costs.
Rules versus statistical risk scores
Rules are transparent and easy to audit; statistical models may detect more fraud or severity but need bias testing and documentation.
Test models for unfair discrimination and document them per your state's AI guidance.
SECURITY & COMPLIANCE
Controls appropriate to claims and policyholder data.
Insurance data includes financial, identity and sometimes health information, and decisions are regulated by state.
Insurance laws, unfair claims settlement practices and AI governance expectations vary by state and line of business; many states have adopted the NAIC model bulletin on insurers' use of AI. Software supports compliance but doesn't certify it.
Access control by claim and claimant
Adjusters, vendors and brokers see only the claims and fields they are assigned or entitled to.
State-specific retention and timelines
Acknowledgement, investigation and payment deadlines and record retention are configured per state and line of business.
Human approval for adverse outcomes
Denials, rescissions and reductions require review by an authorized adjuster with reasons recorded.
Audit trail for evidence and decisions
Every document, reserve change and decision is linked to who made it, when and on what evidence.
NAIC Model Bulletin on the Use of AI Systems by Insurers (reference)NIST AI Risk Management FrameworkNIST Cybersecurity Framework 2.0
NAIC Model Bulletin on the Use of AI Systems by Insurers (reference)NIST AI Risk Management FrameworkNIST Cybersecurity Framework 2.0
DELIVERY APPROACH
From real claims constraints to a verifiable release.
We start with one line of business and claim type, then expand.
01
Review policy and claims sources
Inventory core systems, TPAs, document sources and state requirements.
Signed system inventory and requirements by state and line of business.
02
Define claim lifecycle and exceptions
Agree stages, triage rules, authority limits and exception handling.
Approved lifecycle, authority matrix and exception rules.
03
Build FNOL to adjuster workflow
Deliver intake through adjuster assignment for one claim type.
Working workflow processing test claims with real roles.
04
Test authority limits and audit history
Test over-authority attempts, missing documents and state deadlines.
Test results on authority enforcement, deadlines and audit completeness.
05
Release with reconciliation and oversight
Go live with reconciliation against the core claims system.
Reconciliation checks, monitoring and claims oversight owners signed off.
Published work
Projects you can read in full.
A published project in this industry is not in the portfolio yet. These are published projects from other operations. The industry on each card is the one that work was built for.
EdTech / Student Management
Campus Flow
The client needed one system to manage student activities without using separate tools or manual records.
Read the project
E-commerce / Beverage and Liquor Distribution
EZSKU
The client was facing several problems in the existing product search and ordering process:
Read the project
Transport and Logistics
Narsik Logistics
Before building the platform, we identified the main issues in customer communication and shipment handling.
Read the project
From the journal
Reading that sits beside this work.
Recent notes from the team. Pieces that match this industry are shown first.
PROJECT PLANNING
What we need to define before development begins.
Your core-system landscape and a few anonymized claim files are the best starting point.
- 01
Which policy, billing and claims systems do you use, and which are outsourced to TPAs?
- 02
Which lines of business and states are in scope first?
- 03
What are your reserve and settlement authority limits?
- 04
Which decisions may be automated, and which must stay with adjusters?
- 05
Which measure matters most: cycle time, leakage, adjuster capacity or customer satisfaction?
Core-system API or file access
Anonymized sample claims and documents
State requirements for in-scope lines
Claims and compliance approvers
Core-system API or file access
Anonymized sample claims and documents
State requirements for in-scope lines
Claims and compliance approvers
Insurance software development FAQs.
Usually, through the platform's APIs or integration framework, or through file exchanges for older or outsourced systems. We confirm interface support and licensing with your core vendor first.
Yes. AI can classify attachments, extract key fields and summarize long files for adjusters. Low-confidence results go to staff, and summaries link back to source pages so adjusters can verify them.
Each user has reserve and payment authority limits by line and amount. Actions above a limit route automatically to a supervisor, and every approval is logged with reasons.
We advise against automated adverse decisions. State unfair claims practices laws and AI governance guidance expect human accountability, so we use AI to prepare decisions, not make them.
Yes. MGAs, TPAs and brokers can configure carrier-specific rules, forms, authority and reporting while sharing one intake and workflow platform.
You own the application and the records it stores. Policy administration and claims platforms remain your systems of record. We write back only the fields and statuses your program owners approve.
Yes, when each program has its own rules, roles, and data boundary. A shared screen does not mean shared claim files.
One claim or policy task: intake, document classification, or a referral to an adjuster. Payment and denial stay behind the authority limits you already use.
Notes, files, and status changes are kept with the claim and can be exported for your record schedule. Retention and deletion follow the policy your compliance team sets.
Have a claims or policy workflow to improve?
Share your core systems, lines and states. We'll scope a first claim type you can measure end to end.
Tell us how the work runs today, which systems already hold the data, and what a useful first release would change. We use that to judge scope before anyone writes a proposal.
The form goes to a solutions architect at THE TISA. You get a direct reply on fit, approach, and what we would need from your team.
Share your scope
Tell us about the workflow or product. A solutions architect replies within one business day.