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Simpler Policies, Faster Claims, Happier Policyholders.
We build insurance software for carriers, MGAs, and brokers, including digital quoting, policy administration, claims management, and agent portals, replacing paperwork with streamlined, data-driven workflows.
Trusted by teams building what's next
Insurance customers expect an instant quote, a policy on their phone and a claim settled in days, yet many insurers still run on policy systems that take months to change and claims processes driven by email, phone calls and paper forms. Brokers juggle several carrier portals, and product teams wait on IT queues to launch a new cover or adjust a rating factor.
As an insurance software development company, we build platforms that digitise the policy lifecycle from quote to claim. Quote and bind journeys, policy administration, endorsements, renewals, billing and claims are designed as one flow, and connected to Guidewire, Duck Creek, legacy policy systems, rating engines, payment providers and third-party data sources through APIs and integration layers.
Regulatory and data obligations are built into the architecture. Product governance, fair value and consumer protection rules, Solvency II reporting needs in Europe, IRDAI regulations in India, CBUAE and SAMA insurance rules in the Gulf, AML checks for life and savings products, GDPR, PCI DSS for premium payments and ISO 27001 aligned security all shape data models and workflows from the start.
Whether you are a carrier modernising a line of business, an MGA launching a specialist product, a broker digitising placement or an embedded insurance provider selling through partners, we build insurance software that shortens quote and claims cycles, gives underwriters better data and lets product teams launch covers faster. We support life, health, motor, property, travel and commercial lines.
Guided quote journeys for customers, brokers and partners, with real-time rating, underwriting rules, payment and instant policy documents issued on bind.
Products, coverages, endorsements, renewals, cancellations and billing on a configurable platform, or a modern layer over Guidewire, Duck Creek or a legacy system.
First notice of loss on mobile, photo and document capture, triage, assignment, reserving and payments, with straight-through processing for simple claims.
Quoting, submissions, policy servicing, documents and commission statements for intermediaries, with APIs for broker platforms and comparison sites.
Quote, bind and claim APIs that let retailers, travel sites, lenders and mobility apps sell cover inside their own journeys.
Rules, network analysis and AI scoring that flag suspicious claims for special investigation without slowing down genuine policyholders.
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Countries with live products
Each one designed with your teams, integrated with the systems you already run, and engineered to scale.
Online quoting and purchase journeys for customers and agents.
Policy issuance, endorsements, renewals, and documents.
First notice of loss, photo uploads, assessment, and settlement.
Quoting, commissions, and client management for intermediaries.
Telematics and IoT data for motor and property policies.
Analytics that flag unusual claims patterns for review.
Other banking & financial services areas with a dedicated page.
The product categories insurance (insurtech) organisations most often ask us to build, from focused mobile apps to multi-tenant platforms.
Product configuration, issuance, endorsements, renewals and billing for one or many lines of business.
FNOL, triage, reserving, assessment, payments and recovery with workflow for handlers and adjusters.
Direct-to-consumer and SME journeys with real-time rating and instant policy issuance.
Quoting, submissions, servicing and commission tools for intermediaries.
APIs and widgets that sell cover inside partner checkouts and apps.
Policies, documents, ID cards, payments, renewals and claims on mobile.
Driving, device and IoT data feeding pricing, discounts and claims evidence.
Submission intake, risk data enrichment, referrals and pricing for commercial underwriters.
Member eligibility, pre-authorisation, provider networks and cashless claims processing.
Grouped by who uses them. Every feature below is one we have shipped to production, not a wishlist.
Buy, manage and claim in one place.
For underwriters, handlers and investigators.
Launch and govern products.
The problems we most often help insurance (insurtech) organisations solve, and design every engagement around.
Manual assessment, paper forms and repeated phone calls delay settlements, raise handling costs and drive complaints at the moment customers most need help.
Ageing policy administration platforms make new products, rating changes and digital channels slow and expensive to launch.
Opportunistic and organised fraud inflates loss ratios, and investigators need better data to find it without delaying honest claims.
Direct, broker, aggregator and embedded channels each need different journeys and integrations, often on separate systems.
Product governance, fair value, conduct rules and capital reporting require consistent data and audit trails across the policy lifecycle.
Real products designed and engineered by Creuto end to end, with the operational depth banking & financial services and insurance (insurtech) projects demand.
A complete, end-to-end HR and payroll platform covering employee onboarding to exit, attendance, leave, payroll processing, compliance, and reporting — built and delivered by Creuto from scratch.
5×
Faster Payroll Processing
20 wk
Time to Market
5
User Roles
A complete Before-Sales and After-Sales CRM platform — AI-powered market insights, Kanban pipeline management, complaint tracking, and role-based dashboards built and delivered by Creuto end to end.
2
CRM Modules (Before & After)
AI
Market Intelligence Engine
360°
Customer Lifecycle Coverage
A fully custom, browser-based ERP system built to unify every department, eliminate silos, and scale with the business — designed and delivered by Creuto end to end.
4
Departments Unified
1
Source of Truth
100%
Browser-Based Access
The insurance (insurtech) standards we build against and the controls behind them. Your compliance team keeps ownership; we make the software easy to certify.
The platforms, standards and third-party services a product in this sector usually has to talk to. If yours is not listed, it is almost certainly something we have connected before.
The reasons clients in this sector give when they recommend us, not the ones we would pick ourselves.
Either we build it exceptional, or we don't.
The standard every insurance (insurtech) product leaves our studio with.
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Products delivered
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Years of engineering
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Client satisfaction
Quote, bind, mid-term change, renewal and claim are designed as one data model, which removes rekeying between systems.
We extend Guidewire, Duck Creek and legacy cores rather than forcing replacement, and integrate rating engines you already trust.
Configurable products and rules let your team launch and adjust covers without development cycles.
Mobile FNOL, status updates and fast settlement are designed with the people who handle claims every day.
We support regulatory change, new lines and distribution partners long after the first release.
What organisations in this sector gain when the software is built around their workflows rather than the other way around.
Real-time rating and digital documents let customers and brokers buy cover in one session.
Digital FNOL, triage and straight-through processing settle simple claims in days rather than weeks.
Better risk data at underwriting and fraud detection at claim reduce avoidable losses.
Configurable products and rating let teams test new covers and channels quickly.
Self-service and automation reduce manual handling in servicing and claims.
Embedded insurance APIs open revenue through retailers, platforms and lenders.
Transparent, sprint-based and built around decisions you can see. You know what ships, when, and why at every step.
Start Your ProjectWe map your lines of business, distribution channels, policy and claims journeys, core systems and the measures that matter, such as quote conversion and claims cycle time.
Product model, rating approach, core integration, data retention and the controls your regulators expect are agreed before design starts.
Quote, servicing and claims journeys are tested with policyholders, brokers and handlers, including declines, referrals and complex claims.
Two-week sprints against sandbox core, rating and payment environments, with underwriting and claims leads reviewing working software.
Rating regression packs, document checks, end-to-end policy lifecycle tests, load testing for renewal peaks and a penetration test.
Launch one product or channel first, migrate books in stages, then extend to further lines using conversion and claims data.
Chosen per project for longevity, hiring depth and fit with your existing systems, never by fashion.
AI IN INSURANCE (INSURTECH)
We add AI to insurance where it shortens claims, improves underwriting data or catches fraud, with handlers and underwriters reviewing decisions and every model output logged for audit.
Explore our AI engineeringThe shifts we design for so a product launched this year is still the right product in three.
Cover is increasingly sold inside other purchases, from travel and electronics to mobility and lending, through partner APIs.
Insurers use AI for document extraction, damage assessment and triage, with human oversight and governance for fair outcomes.
Carriers are moving lines to cloud versions of Guidewire, Duck Creek or new platforms in stages rather than all at once.
Consumer Duty, IDD product governance and similar rules require insurers to evidence customer outcomes with data.
Telematics, IoT and external data enable pricing on real behaviour and automatic payouts on defined trigger events.
There is no honest single number. Scope, integrations and compliance drive the budget, so we price against a written scope after discovery. The factors below are what move it.
Each line brings its own rating, coverages, documents and claims rules.
Quote and buy alone is smaller than policy administration, billing and claims together.
Modern cores with APIs integrate faster than legacy systems that expose only files.
Direct, broker, aggregator and embedded channels each add journeys, APIs and reporting.
Moving live policies and open claims from legacy systems requires mapping, testing and reconciliation.
Document AI, damage assessment and fraud models add data, evaluation and governance effort.
| Engagement | Typical scope | Timeline |
|---|---|---|
| Validation MVP | One product with digital quote and buy, payments, policy documents and a basic claims journey. | 10 to 14 weeks |
| Production insurance platform | Policy administration, claims, customer app, broker portal, core and rating integrations, reporting. | 4 to 7 months |
| Enterprise or multi-line insurer | Several lines and channels, embedded APIs, book migration, AI claims and fraud, regulatory reporting. | 8 to 14 months, phased |
Revenue models we have built billing, reporting and growth loops for. Most products combine two or three.
Carriers and MGAs earn premium on policies sold through digital channels.
Intermediaries earn commission and fees on placements and renewals.
Partners receive a share of premium for selling cover in their journeys.
Insurtech platforms license software to carriers, MGAs and brokers with implementation fees.
Fees for administering claims and health benefits on behalf of insurers and employers.
The engineering disciplines every project in this sector draws on. Each has its own page with process, stack and FAQs.
Founders and product leaders on what it is like to build with Creuto.
“Their ability to adapt to our needs while keeping things on track made the experience seamless.”
Creuto delivered a scalable system that improved payroll efficiency and transparency and reduced human errors. The team adhered to timelines, quickly responded to changes, adapted to needs, and managed the project professionally. Their ability to understand the client's requirements was impressive.
Radhika Mohanty
Finance Manager, Crect
More client voices
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Straight answers about insurance (insurtech) software projects. If yours is not here, ask us directly.
Ask our insurance (insurtech) teamIt depends on the lines of business, lifecycle stages and channels in scope, integration with your core and rating systems, book migration, and AI or fraud requirements. A single-product quote and buy MVP is a materially smaller investment than a multi-line insurance platform. After discovery we provide a fixed-scope proposal with a clear breakdown.
A validation MVP with digital quote and buy for one product typically takes 10 to 14 weeks. A production platform with policy administration, claims, a customer app and broker portal usually takes four to seven months. Multi-line platforms with embedded APIs and book migration are delivered in phases over eight to fourteen months.
It depends on your lines and markets. Common requirements include Solvency II reporting data, FCA Consumer Duty and fair value rules in the UK, IDD product governance in the EU, IRDAI regulations in India, CBUAE and SAMA insurance rules in the Gulf, AML for life products and GDPR. We map the applicable set during discovery.
Yes. We build digital channels, portals and claims tools that integrate with Guidewire, Duck Creek, Sapiens, Majesco and legacy policy systems through APIs or integration layers, and connect rating engines such as Earnix or your own models.
Insurance app development usually means the policyholder or broker app. Insurance software development covers the full platform: product and rating configuration, policy administration, billing, claims, core and data integrations, reporting and security controls. We deliver both as one connected product.
Yes. We build mobile FNOL journeys with guided questions, photo, video and document upload, location capture, status tracking and messaging, with simple claims routed for straight-through settlement.
Yes. We modernise in phases, often by putting new digital channels and an API layer in front of the existing system, then migrating products and books one line at a time with reconciliation at every step.
Yes. We build quote, bind and claim APIs and lightweight widgets that partners embed in their checkouts and apps, with partner configuration, commission rules and reporting handled by the platform.
Tell us what you are building. We will help you scope it, design it, and ship it, with a senior team accountable end to end.
