One platform for the MGA stack
Rating, quoting, payment, renewal. One stack.
The same engine that prices a quote books the policy, charges the card, runs the renewal, and notifies your underwriters. Nothing is bolted on. Everything is your own.
Rating, quoting, payment, renewal. One stack.
The same engine that prices a quote books the policy, charges the card, runs the renewal, and notifies your underwriters. Nothing is bolted on. Everything is your own.
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.
Define your rating factors, compute base premiums with tables or rules, then layer on loadings, taxes, and levies. All from one dashboard, without writing code.
Calculate the base premium using a lookup table or a set of rules.
| $250 | $500 | $1,000 | |
|---|---|---|---|
| $10,000 | $72 | $60 | $51 |
| $20,000 | $144 | $120 | $102 |
| $30,000 | $216 | $180 | $153 |
| $40,000 | $288 | $240 | $204 |
| $50,000 | $360 | $300 | $255 |
Long forms scare customers away. Break the quote journey into focused stages so every page asks for only what matters right now: customer info, vehicle details, declarations, checkout.
Offer the payment methods your customers actually want. Wire in the gateway you already use. Policy documents and receipts go out automatically the moment a purchase clears.
Read moreCard, bank transfer, monthly installments. Let customers choose what works for them.
Windcave, Stripe, or your own provider. Configure once, works everywhere.
Offer monthly installments through your funding provider of choice, priced at quote time.
Policy documents and tax receipts go out automatically the moment a customer pays.
Request rates, create quotes, issue policies, fetch history. JSON in and out, with clear errors at every step.
{
"rating_factors": {
"cover_start_date": "2025-01-20",
"sum_insured": 10000,
"cover_type": "comprehensive",
"driver_age": 18
}
}{
"calculation_id": "c-x7dhe",
"premium": "2970.0000",
...
}An MGA insurance platform is the software that holds your products, rates, quoting, payment, and renewal lifecycle in one place. InsureOS is built around the specialty MGA shape: small underwriting team, two to ten products, distribution across direct, broker, and dealer.
A first product, from kickoff to a real quote in production, is usually four to eight weeks. Most of that time is yours: building the rating logic, writing the question set, agreeing the binding rules. The platform itself takes a few hours to configure.
Yes. Every quote, every policy, every transaction belongs to your organisation in your own database schema. Export any time. We do not aggregate or sell data across customers.
AWS in your region. New Zealand-hosted by default; Australia and EU on request. Each MGA tenant has its own database schema for hard isolation.
Yes. The platform exposes a REST API and a webhook surface. If you need a custom event bus or a specific payment, ledger, or premium-finance adapter, we build it once and you own it forever.
The same quote widget runs on your site, on dealer microsites, and on broker portals. Per-channel theming, per-channel referral attribution, one pipeline behind the scenes. You see the customer regardless of which door they walked through.
Online quoting
Embed a real quote-to-bind flow
Automatic rating
Product definitions, rules, tables, explainable factors
Third-party integrations
Plug in the tools you already run
Payment collection
Cards, bank transfers, finance
Renewals
Re-rate, payments, automatic renewals
Document generation
Branded policy docs, certificates, receipts
Automation
Webhooks, events, integrations
APIs
Headless when you need it