A platform built for MGAs
Built for the specialty MGA. Not the broker. Not the carrier.
If you are a specialty underwriting shop writing NZD $1M+ in gross written premium, this whole platform is pointed at you.
Built for the specialty MGA. Not the broker. Not the carrier.
If you are a specialty underwriting shop writing NZD $1M+ in gross written premium, this whole platform is pointed at you.
Insurance is not a product you can ship in a box. Off-the-shelf SaaS asks you to bend around their software. We don't work that way.
InsureOS is a bespoke service built on shared infrastructure. The platform is the same for every insurer. The setup never is.
We partner with each insurer one by one. We map your rates, build your forms, and wire your integrations, all the way through to production.
Everything we set up is editable from the admin portal. Change rates, tweak forms, adjust rules. No tickets, no waiting.
Independent doesn't mean alone. We're a message away whenever you'd rather have a hand on the wheel.
Three principles that show up in every product decision.
You shouldn't need an engineer to change a rate.
Rating tables and rules live in the admin portal. An underwriter edits, versions, and ships a rate change in an afternoon. The platform keeps the trace so any quote, today or two years ago, is explainable.
Distribution is yours; the platform should respect that. You spent years earning your channels.
The same widget runs on your site, on your distributor's site, on your dealer's microsite. Per-channel theming, per-channel referral attribution, one pipeline behind the scenes. You see the customer regardless of which door they walked through.
Renewals are the business. Most platforms treat them as a feature.
Pre-filled renewal flows, mid-term adjustments priced from the same engine, exception routing that finds the underwriter when it should and hides them when it shouldn't. The renewal calendar is a first-class thing, not an export.
InsureOS is the glue between you, your customers, and the systems you already run. Pick the tools you need. Keep the rest of your stack as it is.
Automate your premium calculation. Rating tables, factors, and rules, all in one place.
| $250 | $500 | $1,000 | |
|---|---|---|---|
| $10k | $72 | $60 | $51 |
| $20k | $144 | $120 | $102 |
| $30k | $216 | $180 | $153 |
| $40k | $288 | $240 | $204 |
Embed branded, configurable forms on any website. Customers get a quote in seconds.
Convenient policy renewals with hosted payment links, emails, and integration glue.
Create branded policy documents, certificates, and receipts automatically as events fire.
Card, bank transfer, monthly instalments. Wire in your current gateways, or add more.
Our glue layer. Make requests to our rating engine and subscribe to system events.
A specialty MGA (Managing General Agent) is an underwriting business that designs, prices, and distributes insurance products under capacity provided by a licensed insurer. They typically focus on a vertical (marine, property, motor, professional indemnity) and compete on product knowledge and speed of iteration.
MGAs win on product. The platforms they buy usually don't agree, treating them as tenants of a carrier core or as distribution endpoints of a broker stack. InsureOS is built around the MGA shape: own your rates, own your distribution, own your release calendar.
Specialty underwriting shops with two to ten products in one or two verticals and at least NZD $1M of gross written premium. If you write a portfolio that big, the platform earns its keep; if you write less, we're probably overkill.
We replace neither, exactly. We sit between your customer or distributor and the policy ledger — and we already integrate with JAVLN and eGlobal so they keep doing what they do best as the system of record. Our platform owns rating, quoting, payment, renewal, and the experience layer; your ledger keeps the official policy. The two stay in sync via our adapters.
Yes. We're built around NZ and Australian MGA economics: local payment gateways like Windcave, premium-funding partners we already integrate with, broker workflows that match how the channel actually works, and tax/levy handling for both jurisdictions. Other regions on request, but our roadmap is anchored here.
A flat monthly subscription, sized by the modules and integrations you turn on, plus a one-off onboarding and setup fee — adjusted up if you need custom integrations built. No GWP-based pricing; no take-rate on premium; no per-policy charge. We'd rather your unit economics improve as you scale, not be eaten by your platform vendor.