Engineered for specialty underwriting agencies, not traditional brokers or legacy carriers
If you operate an underwriting agency writing NZD $1M or more in gross written premium, this entire platform is built around your commercial model.
Specialty MGAs win through agile underwriting, disciplined niche pricing, and fast response times for brokers. When agencies depend on external software consultancies to adjust rates or rely on legacy carrier systems, product innovation stalls.
The InsureOS platform grants underwriting teams total autonomy over their rating matrices, question sequences, and binder referral guidelines. Paired with our transparent platform pricing that avoids taking a percentage of your gross written premium, your agency maintains predictable unit economics as portfolio volume expands.
Edit factor matrices, test complex risk combinations, and deploy rate revisions directly from the admin console without engineering sprints.
Distribute white-labeled quoting widgets across broker portals, dealership showrooms, and direct consumer channels with full attribution tracking.
Export clean transaction summaries and bound policy schedules directly to JAVLN, eGlobal, or carrier audit teams.
Three operational principles that inform every feature we develop.
Underwriting teams should not require software developers to adjust rate cards.
Rating tables and referral rules live in the administration console. Underwriters can edit factors, test benchmark quotes, and publish rate adjustments in an afternoon. Complete calculation traces ensure every historic quote remains explainable.
Distribution channels belong to your agency, and software should preserve your broker relationships.
A single product configuration powers quote flows on your corporate website, broker portals, and dealership partner microsites. Custom brand styling and referral codes ensure your distribution partners feel supported while submissions flow into one unified underwriting pipeline.
Annual policy renewals drive long-term agency profitability and deserve dedicated automation.
Automated renewal notifications deliver pre-filled schedules thirty days prior to expiration. Mid-term endorsements and indexation adjustments evaluate using identical rating rules, ensuring the renewal lifecycle operates as a core operating foundation.
InsureOS turns your rating tables, underwriting rules, loadings, discounts, fees, and levies into one traceable calculation. Around it sit the tools to quote, take payment, and send clean data back to your policy system.
Turn tables, factors, and rules into a traceable premium calculation your team can change.
| $250 | $500 | $1,000 | |
|---|---|---|---|
| $10k | $72 | $60 | $51 |
| $20k | $144 | $120 | $102 |
| $30k | $216 | $180 | $153 |
| $40k | $288 | $240 | $204 |
Embed the quote journey on your own website, matched to your brand and products.
Re-rate, contact customers, and collect renewal payment without moving the policy record.
Create schedules, certificates, and receipts from the same data used to price the quote.
Offer card, bank transfer, or premium funding through the providers you already use.
Connect the rating engine and customer journey to the systems behind your business.
The team behind InsureOS stays closely involved through implementation: defining product logic, validating integration boundaries, and resolving the operational edge cases that define specialty insurance lines.
A specialty Managing General Agent (MGA) is an underwriting company that designs, rates, and issues insurance products under delegated authority granted by a licensed insurer. They concentrate on niche verticals like marine, specialized property, or commercial fleets, competing on underwriting expertise and responsiveness.
MGAs require fast product iteration and flexible distribution. Enterprise insurance platforms treat MGAs like rigid corporate divisions, while broker software lacks rating logic. InsureOS gives agencies complete authority over rate tables, quote forms, and partner branding.
Underwriting agencies managing two to ten distinct insurance products and generating at least NZD $1M in gross written premium gain immediate return on investment. For smaller portfolios, our platform may offer more capability than required.
No. InsureOS operates as the digital engagement and calculation layer between policyholders and your core ledger. We integrate natively with systems like JAVLN and eGlobal, leaving the official policy accounting on your system of record while upgrading customer quoting.
Yes. Our platform connects directly with regional merchant facilities like Windcave, local premium finance providers, and statutory tax and fire service levy structures for both New Zealand and Australian jurisdictions.
We charge a predictable monthly software subscription based on your active products, capabilities, and required integrations, accompanied by a clearly defined implementation fee. We do not charge a percentage of your premium or impose per-policy penalties.