Marine insurance platform for MGAs
One platform for every marine product.
Recreational hulls, commercial vessels, charter operators, marine liability. Whatever you write, it sits on one rating engine, one quote experience, and one renewal calendar.
One platform for every marine product.
Recreational hulls, commercial vessels, charter operators, marine liability. Whatever you write, it sits on one rating engine, one quote experience, and one renewal calendar.
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.
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.
From rating tables to live quotes, here's the path.
Set up your marine product in the admin portal. Rating factors like vessel class, mooring location, hull value, named operators, and use case. Calculation rules, referral rules, document templates. Editable by your underwriters; versioned for auditability; no code release required. We can do the configuration for you, work alongside your team, or hand you the keys and let you build it on your own.
Run test quotes against your expected premiums. Verify the rating, the referral rules, and the document outputs. Walk the customer journey through your staging environment before any traffic hits production. Test data and tokens are kept separate, so nothing leaks across.
Drop the quote widget on your site, on a dealer microsite, or on a marina or broker partner page. One script tag; inherits your theme; mobile-first because marine customers are rarely at a desk.
Flip the switch. Watch quotes flow through the live event stream. Iterate on rules and copy as you learn. The platform is editable in production, and a rate change ships in an afternoon.
A marine insurance platform is the software that holds your marine products, rates, quoting, payment, and renewal lifecycle in one place. InsureOS handles recreational hulls, commercial vessels, marine liability, and specialty marine cover on a single rating engine, with vessel-level schedule data carried through bind and renewal.
Vessel name, hull number, mooring or berth, named operators, and engine details are first-class fields on the schedule of cover. They flow into the rating engine, into the policy schedule document, and into renewal pre-fill so customers do not retype them every year.
Yes. Per-organisation theming and referral attribution are built in. Every distribution channel sees its own brand; you see one quote pipeline behind the scenes.
Seasonal factors live as rating-table dimensions. A vessel in storage prices differently from the same hull in active use. The engine handles it without a special-case branch.
Mid-term adjustments use the same engine, the same rate version, and the same trace as the original quote. A fresh schedule of cover can be generated from the same template once the adjustment is bound.
Yes. Pleasure craft, trailered boats, jetskis, launches, charter and commercial hulls, and marine liability all sit on the same rating engine, sharing primitives like vessel schedule, named operators, and seasonal use where it makes sense. Each is a distinct product with its own factors, excesses, and referral rules — adding a new marine product type is a configuration job, not a rebuild.
Survey age, survey type, and named operator details are first-class fields on the schedule. Referral rules can flag a quote when a survey is overdue or an operator falls outside the underwriting box, routing it to the right desk with the full quote trace attached. The same rules govern renewals, so a survey that expires mid-term is caught before the renewal goes out.