Property insurance platform for MGAs
Sum insured, rebuild cost, zone factors. Sorted.
A rating engine that understands property data, distribution that respects the broker channel, and a renewal lifecycle that nudges sum insured before it drifts.
Sum insured, rebuild cost, zone factors. Sorted.
A rating engine that understands property data, distribution that respects the broker channel, and a renewal lifecycle that nudges sum insured before it drifts.
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 property product in the admin portal. Rating factors like sum insured banding, postcode and zone loadings, building type, optional contents and outbuildings. 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 for every zone and building type. 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 your distributor portals, or on a broker microsite. One script tag; inherits your theme; per-channel question sets so a residential broker and a holiday-let portal can each see the form they want.
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 property insurance platform is the software that holds your residential, landlord, and holiday-let products, their rates, quoting, payment, and renewal lifecycle in one place. InsureOS handles sum insured, rebuild cost, zone factors, and treaty cessions as first-class concepts in the rating engine.
Sum insured banding sits inside the rating engine with optional interpolation. Rebuild-cost assumptions are configurable per product and applied at renewal so the platform can suggest an updated sum insured rather than letting it drift.
Yes. Postcode and zone-based loadings are first-class lookups in the rating engine. They feed the rate, not a post-process step. Treaty cessions and reinsurance loads can also be modelled in the rate.
Per-distributor question sets and theming let a residential broker, a landlord aggregator, and a holiday-let portal each see the form they want. Behind the scenes, the same rating engine prices the risk and the same renewal calendar tracks the lifecycle.
Yes. The renewal pipeline knows what the property was worth a year ago, applies your inflation and rebuild assumptions, and presents the suggested sum insured to the customer for confirmation.