Integrations for the tools MGAs run

Plug in the tools you already run.

Payment gateways, premium-finance partners, policy ledger systems, accounting feeds. Each integration is a thin adapter; switching providers does not require a re-platform.

How we work

Here to help

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.

01

Bespoke setup

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.

02

Yours to own

Everything we set up is editable from the admin portal. Change rates, tweak forms, adjust rules. No tickets, no waiting.

03

Support when you want it

Independent doesn't mean alone. We're a message away whenever you'd rather have a hand on the wheel.

Integrations that flow both ways

Between our API and our event system, we can enable any flow you need.

Example · a quote referral flow
InsureOS
Policy provider
1. Customer fills in the quote
2. Referral rule is triggered
referral.created
3. Underwriter reviews, adjusts, approves
POST /payment-links
200 · payment_link
4. Payment link sent to customer
5. Customer pays on our checkout
payment_link.paid
6. Policy issued to customer

Payment gateways and premium finance

Card and bank-transfer gateways are built in on day one. Premium-finance adapters wire instalments into the bind flow without putting credit risk on the MGA. Adding a regional or specialty provider is an adapter project, not a re-platform.

  • Card and bank-transfer gateways live from day one
  • Premium finance wired into the bind flow
  • New gateways added as adapters; engine untouched
See payment collection
acme.com/checkout

Complete your purchase

Cover Type
Comprehensive
Third Party
Excess
$250
$500
$1,000
Payment Options
Credit or debit card
Instant, secure
$2,970.00
Bank transfer
2–3 business days
$2,970.00
12 instalments
via premium funding
$262.80 / mo

Policy ledger systems

A policy bound on the platform creates the official policy of record on your insurer's ledger automatically. Mid-term adjustments and cancellations sync the same way. The platform owns the experience; the ledger owns the record.

  • Bind, adjust, and cancel events sync to the ledger
  • Custom adapter per ledger; you keep the wiring afterwards
  • Reconciliation report ties platform data to ledger data
io
InsureOS
Rating engine
Live
Quote
QXFG7X5
Risk
Vehicle
2022 Toyota Corolla
Value
$32,000
Driver YOB
1990
Region
Auckland
Calculation
Base
$2,400.00
Vehicle ×1.18
+$432.00
Driver ×1.05
+$282.00
Premium
$3,210.00
was $2,970.00 · trace qx7-r4-v12
Acme Auto
Policy hub
AC
RiskPMR-417-2026
Vehicle details
RegistrationJZS-417
MakeToyota
Year2022
ModelCorolla Hybrid
Odometer34,200 km
RegionAuckland
Estimated valueModified
$32,000|
previously $28,500
Last saved 14:32 · re-rated 14:32

Custom adapters for the systems you can't avoid

Every MGA has at least one system that has to be in the loop. Tax engines, broker-management feeds, regulatory reporting. We build the adapter once, you own it forever, and it joins the standard event surface like everything else.

  • Adapter is built once and owned by you
  • Wired through the same event surface as built-in adapters
  • Documented so your team can extend it later

Events flow out to every integration

Every adapter is wired through the same event surface. When a quote is paid, a policy is bound, or a document is generated, the event fires asynchronously and your subscribers receive an HMAC-signed webhook. Replayable from a timestamp if a downstream system was down.

See automation
  • One stable event surface across built-in and custom adapters
  • Asynchronous, HMAC-signed webhook delivery
  • Replay-from-timestamp to catch up after downtime
Event stream
acme-auto · production
  • quote.created
    14:32:18 qx_7f3a92 124ms
  • quote.rated
    14:32:19 qx_7f3a92 98ms
  • payment.initiated
    14:32:24 pay_8b1c4 142ms
  • payment.succeeded
    14:32:48 pay_8b1c4 108ms
  • quote.paid
    14:32:48 qx_7f3a92 116ms
  • policy.bound
    14:32:49 pol_3d9f7 132ms
  • document.generated
    14:32:50 doc_2a4e1 94ms
  • webhook.dispatched
    14:32:51 whk_5g8h2 88ms

Frequently asked questions

Get in touch

We'd love to hear from you

hello@os.insure
Built by
The Caretakers

A small New Zealand product studio. We design, build, and operate software for insurers.

caretakers.io