Insurance Application Development
Build insurance software by configuring it
Products, pricing, rules, workflows, forms and documents are all configuration in Openkoda - authored by your business teams, with AI assistance and full governance. Developers extend only when you want them to.
Configuration, not code
Products, pricing, rules, workflows, forms and documents are settings your team edits, not code a developer writes. A change that used to need a release becomes a configuration update, reviewed and live the same day.
Experts in control
The underwriters and product managers who understand the risk shape the product directly, and Openkoda's own insurance specialists work alongside them on the first build and the harder design questions.
Governed & safe
Every change is typed, reviewed as a before-and-after, versioned so policies in force keep their terms, and logged with who approved it. Business users can change things without taking on the risk.
Insurance experts and a configurable platform
The Openkoda team has delivered enterprise insurance and finance systems for more than 20 years, so we start from how policies, claims, billing and distribution actually work, not from a blank specification. Put that knowledge on a platform where products, pricing, rules and workflows are configuration, and you get a well-built system that fits your business in a fraction of the time a custom build takes. Once it is live, your own team can make the next change themselves.
How a change ships without a development project
The path from an idea to a live, audited change on the Openkoda PAS: authored by your business team, reviewed as a clear before-and-after, and shipped without a release cycle.
Start on a configurable core
Openkoda is a PAS where products, pricing, rules, workflows, forms and documents are all configuration. There is no blank codebase to build before you can change anything.
Describe the change in plain English
A business user drafts the change, often with AI: a new coverage, a pricing tweak, a workflow step. No ticket to IT, no waiting for a sprint.
See it as a clear before-and-after
Every change is typed and shown as a reviewable diff, so the team sees exactly what will change before anything goes live.
Approve, version and audit
Approve the change and it ships, versioned so in-force policies are untouched, and fully audited with role-based access.
Ship the same day
Because change is configuration, a good idea becomes a live change in hours, not the next release cycle.
Extend in code when you choose
When you need something bespoke, the platform extends through APIs and code, and our team can build it with you. Your configuration and data stay yours, with no lock-in.
Everything you need in one configurable platform
Configurable everything
Products, pricing, underwriting rules, workflows, forms and documents live in one configurable model, so a new coverage, its rating and its paperwork are set up in one place by one team.
Versioning safety
Structural changes create a new product version. Policies bound on earlier versions keep their original terms, and new business moves to the new version once it is published.
You own it
Your configuration and data are yours, on Openkoda Managed Cloud or on-premise, and export cleanly. Nothing you build is trapped in a vendor's proprietary format.
AI assistance
Describe a change in plain English and the AI drafts it as typed operations from a fixed catalogue. Your team reviews the draft, edits it if needed, and approves it before anything applies.
AI Product BuilderGovernance & audit
Role-based access decides who can draft and who can approve, and every change is logged with who made it and when: the trail an auditor or regulator asks for.
Security & deploymentExtend by API
When you need something the configuration does not cover, developers extend the platform through REST APIs, webhooks and code, or our team builds it with you on Enterprise.
API integrationsShip a change the same day
An idea for a new rule shouldn't wait for the next release.
Configure it
A business user authors the new rule in the platform, describing it in plain English and letting the AI draft it.
Review the diff
The team checks a clear before-and-after of exactly what will change, and edits a line if anything looks wrong.
Approve & go live
Once approved it ships the same day as a new version, with policies in force untouched and the change fully audited.
Illustrative example built on Openkoda's demo products.
Insurance application development your team can lead
Insurance teams tired of waiting on IT for every change - MGAs and program managers adjusting products and rules as binders evolve, carriers and specialty insurers refining coverages and pricing mid-year, and insurtechs iterating quickly. If the people who understand the risk should be able to change the product themselves, safely and audited, this is built for you.
Questions, answered
Do we still need developers?
Is it safe to let business users change things?
Can we extend it in code?
What can business users configure?
How are changes governed?
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.