Platform overview
The insurance platform you configure with AI - and actually own
Openkoda runs the whole insurance lifecycle - product, pricing, underwriting, policy, claims, billing, documents and reporting - on one configurable, multi-tenant platform. Shape it with AI in plain English, run it fully managed or on-premise, and own your data and configuration outright.
A platform you own - not another system you rent
Most insurance software is proprietary, cloud-only and priced behind a quote. Openkoda takes the opposite position on the things that decide total cost and control.
Own it - no lock-in
The old way: Cloud-only software; your book lives on someone else's platform, and leaving is painful.
Openkoda: Fully managed for you, or deployed on-premise in your own environment, with one-click export of your data and configuration whenever you want it.
Change it yourself, with AI
The old way: Product and pricing changes go through a vendor's coded configuration and a developer queue.
Openkoda: Describe the change in plain English; AI drafts a typed, reviewable change-set your team approves - no proprietary language.
Transparent, flat price
The old way: Quote-only pricing, a percentage of premium, and implementations that run into the millions.
Openkoda: Published and flat, with every number on the pricing page. No per-seat, no percentage of premium.
Nothing proprietary to learn
The old way: A proprietary language and runtime only specialists can hire for and maintain.
Openkoda: A platform your business users configure themselves, on infrastructure we run. Nothing proprietary to learn and no niche skills to hire for.
Everything the lifecycle needs, in one place
Configure products, pricing, rules and workflows - then run underwriting, policy administration, claims, billing, documents and reporting on the same platform. Every capability below has its own page.
Build & configure
AI Product Builder
Build and change products in plain English - no developers.
Rating Engine
Update pricing in minutes, safely - not release cycles.
Workflow Engine
Design your process visually, drag-and-drop.
Forms & Distribution
Sell through branded forms, portals and partners.
Run the lifecycle
Policy Administration
The full policy lifecycle in one place.
Underwriting Dashboards
A faster, more consistent underwriting desk.
Claims Processing
Settle claims faster, from first notice to payout.
Billing & Payments
Invoicing, collections and payments, automated.
Document Generator
Branded policy documents, generated automatically.
Reporting & Dashboards
Answers in plain English; dashboards per role.
Bordereaux Reporting
Delegated-authority reporting carriers accept.
Team Collaboration
Chat, tasks and notifications - right on the record.
Build and change products in plain English
- Describe a product or a change in plain English - AI drafts the configuration.
- Review a clear before-and-after; nothing changes until a person approves.
- Coverages, pricing, rules and workflow - all configuration, no code.
- Versioning protects in-force policies: changes create a new version, live contracts keep their terms.
A faster, more consistent underwriting desk
- Referred cases land in one shared queue; rules auto-issue the straightforward business.
- A workbench tailored to each product - risk, coverages, pricing, history and documents in one view.
- Author your referral, decline and pricing rules yourself, no code.
- An AI copilot surfaces the factors that matter; the underwriter decides.
Automate your process, visually
- Design submission, quote, underwriting, issuance and renewal flows on a visual canvas.
- Simulate the whole journey before it goes live.
- Automate emails, documents, tasks, quotes and issuance.
- In-flight cases finish on the version they started on.
Answers in plain English, dashboards per role
- Ask a question about your book in plain English and get the report - your data stays private.
- Role-based dashboards for executives, underwriting, sales, billing and ops.
- KPIs, charts and lists on one screen; export to Excel.
The whole book in one place
- Quote, bind, issue, endorse, renew and cancel - one source of truth per policy.
- 360° views of policy, customer, claim and billing, out of the box.
- Mid-term changes re-rate cleanly, with full history.
- Effective-dated product versions keep every policy on the terms it was written under.
Carrier-ready bordereaux, on schedule
- Premium and claims bordereaux on each program's cadence.
- Export in the Excel and CSV formats carriers expect.
- Submit, track and resolve queries in one place.
AI does the heavy lifting - a human stays in control
AI is built across the platform, and it always drafts for a person to approve - never acts on its own.
- Build and change products from a plain-English brief
- Ask questions about your book and get instant, private answers
- Read inbound documents and applications automatically, checked by a person
- Give underwriters a copilot for faster, more consistent decisions
- Drive the whole platform from an assistant like Claude via the built-in MCP server
Every AI feature runs on Openkoda AI - a separate monthly subscription, available on every plan.
Built to trust in production
The governance, security and ownership a system of record needs - as standard.
Strict data isolation
Every organization's data is kept separate and private, enforced by the platform itself.
Role-based access
Fine-grained roles control exactly what each user can see and do.
Automatic audit trail
Every change is recorded - who, what and when - across the whole system.
Standards-aligned data
An ACORD-aligned data model, ready to exchange with carriers and partners.
Change-safe versioning
Product versions and effective-dating mean live policies are never altered retroactively.
API-first
A REST submission API on every form, plus the MCP server for AI assistants.
Deployment freedom
Openkoda Managed Cloud or on-premise - your choice, your data.
Own your data
Export your configuration and data whenever you like. No lock-in.
Every line of business, every operating model
One configurable model already runs across personal, commercial and specialty lines - no code forks. Curated presets tailor it to how you operate, from MGA to carrier to broker to TPA to embedded insurtech.
Transparent and flat
Business and Enterprise are both flat annual contracts, fully managed by us. On-Premise deploys in your own environment on a custom contract. AI runs on Openkoda AI, a separate monthly subscription. No per-seat fees, no percentage of premium - and every number is published.
Questions, answered
Is this one platform or separate products?
How much can business users do without developers?
Which lines of business does it support?
Do we need a technical team to run it?
Can we run it in our own environment?
Do we own our data and configuration?
How is access controlled and audited?
Can it connect to the systems we already run?
What does it cost?
See Openkoda in your context
Book a live, personalized demo with our product team - tell us your use case and see the platform work with your data. No commitment.