SolGuruz is an insurance software development company that builds the systems carriers, MGAs, brokers, and insurtechs run on, from policy administration and claims management to underwriting, quoting, and the portals around them. We build to comply with NAIC and state requirements, and we speak ACORD.
Trusted by Startups and Enterprises Worldwide
Custom Software Development Success Stories
Real founders, CEOs, CTOs, and product owners behind 102+ shipped products across 14 industries share what working with SolGuruz looked like. Every story is one of 133+ independently verified client reviews across Clutch, Google, Glassdoor, and other platforms, averaging 4.9 ★★★★★ ratings.
Custom Software Solution Development / Driver Dashboard & Invoice Automation for Food Service Company
SolGuruz has delivered a solution that has reduced 90% of manual efforts through automation and provided real-time insights for supplier fulfillment and order volume trends. The team is responsive to requests and changes, and their proactive approach to problem-solving has stood out.
Summarized from Gary Boyd's Clutch review
Gary Boyd
CEO and Owner, Tasty Food Guys | Florida, USA
what we build
Insurance software is a set of systems around the policy: issue it, price it, service it, and pay claims on it. We build each of these as a standalone module or as a connected core, tailored to your lines of business.
The core PAS that handles the full policy lifecycle: quoting, issuance, endorsements, renewals, and cancellations, with a clean audit trail on every change.
First notice of loss, adjudication, reserving, settlement, and payouts, with straight-through processing for simple claims and workflow for the complex ones.
Rules-based and data-driven risk assessment, rating, and decisioning, so underwriters spend time on the risks that need judgment, not the routine ones.
Real-time quotes off configurable rating tables and product rules, so you can launch and adjust products without a code release every time.
Premium billing, collections, refunds, and commission tracking for the distribution channel, all reconciled and auditable.
A distribution workspace for agents and brokers to quote, bind, service policies, and track commissions, so your channel sells without calling support.
Web and mobile self-service for the insured: view policies, file and track claims, upload documents, and pay, which cuts call volume and lifts retention.
Loss ratios, portfolio performance, and actuarial and regulatory reporting on one data model, so the numbers are consistent from claim to board deck.
SIU and fraud-flagging built into claims, plus RegTech automation for NAIC, state, and data-privacy obligations, so compliance is a workflow, not a scramble.
Talk to a team that builds policy, claims, and underwriting software, and builds it to comply with NAIC and state requirements.
our services
Our insurance software development services span the full build, from the first scoping call to post-launch iteration, so you are not stitching together separate vendors for app, core, and compliance.
We help you scope the platform, make the build-versus-buy call against off-the-shelf cores, and map the NAIC and state obligations before a line of code is written.
Policy administration, claims, underwriting, and the portals around them, built for your lines of business and product rules rather than forced into a generic core.
ACORD and EDI data exchange, carrier and core-system connections, payment and rating services, and third-party risk data, wired into one reconciled flow.
Underwriter, adjuster, agent, and policyholder flows designed for clarity, because insurance software fails when the people using it cannot trust or follow it.
Native iOS and Android apps for policyholders and field adjusters, including claim filing with photo and document capture, sharing the same core as the web platform.
Post-launch monitoring, security patching, regulatory updates, and continuous tuning as policy counts, claim volumes, and product lines grow.
Book a scoping call and we will map the modules, the NAIC and state compliance path, and a realistic timeline with you.
free resource
Covers the whole fintech build: architecture, ledgers and reconciliation, PCI DSS, KYC/AML, GDPR, PSD2 and Open Banking, UX that balances security against friction, plus QA, fraud testing, and monitoring. Free to download.
A practical eBook for founders, CTOs, and product leaders on building secure financial systems that users trust and regulators approve.
AI and ML
Claims and underwriting are where AI earns its keep in insurance. We build it into the workflow, with a human in the loop where regulation demands one, backed by our AI development team.
From claims automation to fraud detection and underwriting, we build the AI that moves your loss ratio and your cycle times.
compliance
Insurance is regulated at the state level and handles sensitive personal and health data, so we treat compliance as an architecture input from day one and build to comply rather than bolting it on. For the deeper view, read our fintech secure product building playbook.
We build the recordkeeping, reporting, and product controls that support NAIC model rules and state Department of Insurance obligations. Your carrier or MGA holds the licenses; we build the software that helps you meet the rules.
For health and supplemental lines that touch protected health information, we build to HIPAA safeguards, with a signed BAA only for production PHI, never by default.
We build to ACORD data standards and EDI so your platform exchanges data cleanly with carriers, brokers, and partners rather than through brittle one-off mappings.
integrations
An insurance platform lives in an ecosystem of carriers, data providers, and payment rails. These are the integrations we wire in so your product exchanges data cleanly and prices risk accurately.
ACORD-aligned messaging and EDI so policies, claims, and accounting data move between you, carriers, and brokers in a standard the industry already speaks.
Connections to carrier policy, claims, and rating systems, plus legacy cores, so a new front end or module works with what you already run.
Credit and risk bureaus, telematics, property and weather data, and KYC providers, wired into quoting and underwriting for accurate, fast decisions.
Premium billing, payment gateways, and accounting systems connected so collections, commissions, and reconciliation stay accurate and auditable.
how to build
You do not always need to replace the core. The right route depends on how differentiated your product is and how much legacy PAS and claims tooling you carry, and we help you weigh it before the budget is set.
The right choice when your product or process is the differentiator: a bespoke policy, claims, or underwriting system built to your lines and rules, with nothing you do not need.
When a legacy PAS or claims system is holding you back, we re-architect, extend, or wrap it with modern services and portals without losing data or uptime.
When speed to market matters most, we build on proven components and open data rails to reach a compliant MVP faster, then extend it as you grow.
We keep the stack proven and auditable, because an insurance platform is won on data accuracy and compliance, not on chasing trends.
Claude Code
GitHub Copilot
Cursor
Windsurf
v0
Gemini
Codex
Banani
Figma Make
Uizard
Pencil Dev
Stitch
Kiro
Antigravity
User-doc
Miro AI
Whimsical AI
Flutter
Android
Apple
React Native
TypeScript
JavaScript
ReactJs
Electron
Angular
WordPress
Webflow
FlutterFlow
Java
PHP
Node.js
Python
Laravel
Django
FastAPI
Flask
Nestjs
Feathersjs
TensorFlow
PyTorch
OpenCV
Hugging Face
KaggleOpenAI
Anthropic
OllamaClaude
Voiceflow
Vapi AI
Perplexity.Ai
Stable Diffusion
CrewAI
N8n
Langflow
Keras
LangChain
Google Colab
Rasa
Llama 4
PaLM 2
MYSQL
AmazonDynamoDB
Firebase
Firestore
Supabase
PostgreSQL
Oracle
Redis
MongoDB
Cassandra
Elasticsearch
Pinecone
Pgvector
Weaviate
AWS
Digital Ocean
Google Cloud
Twilio
Docker
Kubernetes
Azure
Mocha
JMeter
Appium
SoupUI
Jest
Maven
Test NG
Selenium
Cucumber
Postman
Cypress
Rest-Assured
TravisCI
CircleCI
Gradle
Jenkins
Github-Actions
Bitbucket-Pipelines
Gitlab CI/CD
SonarQube
Grafana
Codemagic
Terraform
Bamboo
Vercel
GitLab
GitGithub Actions
Nginx
PM2We follow a defined process so regulatory and data-integrity work happens up front, not at the end. Each stage carries a named deliverable and a single accountable owner.
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AI-native engineering
AI-native by practice, engineer-led by principle. We use AI-assisted tools at every step of design, development, launch and growth, and a senior engineer still owns every architecture decision, every security review and every line that reaches production.
01Design
We use AI to map requirements, user stories and workflows, and to turn them into a clickable prototype your stakeholders can test before production code is written.
Engineer-ledOur team runs discovery with you and agrees the scope before anything is built.
AI speeds up layout variations, accessibility checks and design-to-code handoff, on a shared design system in Figma.
Engineer-ledDesigners make every design decision, and every screen is built to match the approved design on every device.
We settle the architecture, data model, state management and integrations before the build starts, so the product scales without a rewrite.
Engineer-ledA senior engineer owns every architecture decision.
02Build
Our developers use Claude Code, GitHub Copilot and Cursor for scaffolding, boilerplate and repetitive patterns.
Engineer-ledSenior engineers own the logic, and a developer reviews every AI-generated change.
Code follows agreed standards and a Git Flow branching model, and AI-powered review flags issues on every commit.
Engineer-ledA second developer reviews every change before it merges.
We work under ISO 27001 and ISO 9001 certified processes, build to SOC 2-aligned controls, and add HIPAA-aligned safeguards where health data is involved.
Engineer-ledA senior engineer owns every security review. Independent security agencies run penetration tests, and we remediate their findings.
03Ship
AI generates unit tests, edge cases and regression suites from the codebase.
Engineer-ledQA engineers test the real user flows by hand before every release.
Static code analysis scans every commit, and CI/CD pipelines build, test and deploy across development, staging and production.
Engineer-ledEngineers set the quality gates the pipeline enforces and fix what the scans flag.
Alpha and beta builds go to internal and external users first, and releases roll out in phases with a rollback plan.
Engineer-ledYou get a demo build after every sprint and review it with the team.
04Grow
Crash reporting, performance monitoring and usage analytics are in place from launch day, and for mobile apps we track Google Play and App Store analytics too.
Engineer-ledOur engineers keep checking crash reports and store analytics for the life of the product, so it stays stable long after launch.
We plan in two-week sprints and prioritise new features from user feedback and analytics, not guesswork. For clients without an in-house marketing team, we also run the product growth strategy after launch.
Engineer-ledDaily stand-ups and sprint demos keep you in every decision about what ships next.
AI keeps API references and technical docs in sync with the code, and maintenance plans keep the product secure and up to date.
Engineer-ledYou get full repository access and IP ownership, and one in-house senior team stays accountable for the outcome.
cost
Insurance software development cost tracks scope more than anything else, and the biggest driver is how many modules you build versus integrate and how deep the compliance work runs. A focused module can launch in 2 to 4 months, typically $30,000 to $50,000. A full core platform with policy, claims, and underwriting runs much longer, often $150,000 to $300,000 or more.
One module, such as a claims portal or a quoting engine, on your existing core. The fastest route to validating value with real users. Typically $30,000 to $50,000.
A few modules, such as policy plus claims or quoting, with ACORD and carrier integrations and core compliance. Typically $50,000 to $150,000.
Policy administration, claims, underwriting, portals, and compliance automation. The build for a carrier or MGA running its operations on the software. Typically $150,000 to $300,000 or more.
Number of modules and lines of business, custom-versus-integrated build, the depth of ACORD and carrier integrations, and the compliance scope across states.
Ranges are indicative and depend on your modules, lines of business, integrations, and compliance scope. We give a line-item estimate during scoping.
From policy administration to claims and compliance, we build insurance software for carriers, MGAs, brokers, and insurtechs.
lines of business
A P&C rating engine and a health claims system are different products. We build for the specific lines you write, with the rules and data each one demands.
Rating, policy admin, and claims for property, casualty, and general liability, where product rules and rating accuracy drive the business.
Long-duration policy administration, illustrations, and beneficiary and payout handling built for the life product lifecycle.
Claims, benefits, and member management built to HIPAA safeguards for health and supplemental lines.
Telematics-ready rating, quoting, and claims with photo-based first notice of loss for personal and commercial auto.
Workers compensation, commercial property, and specialty commercial products with the underwriting depth these lines need.
Parametric, embedded, microinsurance, and other alternative models where a modern, API-first platform is the whole advantage.
who we serve
A carrier modernizing a core and an insurtech launching a product need very different builds. We build for the players across the insurance value chain.
Core modernization and new digital front ends for carriers who need to move faster without ripping out the systems of record.
Full platforms for managing general agents and underwriters who run their own products, rating, and binding authority.
Claims, benefits, and member portals built to HIPAA safeguards for health and supplemental carriers.
Compliant MVPs and full products for insurtechs launching a new model, built on modern, API-first rails so you get to market faster.
Claims, reporting, and administration platforms for self-insured employers and captive insurers who run insurance without a traditional carrier stack.
We combine fintech engineering depth, real compliance discipline, and one team across the whole build, so you build with a team that treats regulated data and money with the seriousness they need.
Here's why insurers trust us to build their platform:
Regulated Fintech Experience
Compliance Built In
The Core, Not Just the App
Proven Delivery
One Team, One Build
Read what teams say about building with SolGuruz.
SaaS Platform Redesign Services for Sales Promoting Platform
The platform looks better than before and is appreciated by the end customers, thanks to SolGuruz. The team uses Slack for communication and has been effective so far. Their dedication and proactivity impress the client.
Summarized from Robin Singhvi's Clutch review
Robin Singhvi, CEO, SmartCue
Mumbai, India
UI/UX Design & Development for Software Community Platform
The engagement was a success; SolGuruz completed four months worth of work in just one month. They guided the client through the best rollout plan and went the extra mile to keep everyone involved in the process. Overall, they were transparent, timely, communicative, and professional.
Summarized from Arpan Garg's Clutch review
Arpan Garg, Founder, Commudle
India
Custom Software Development - Mobile & Web Dev for Documentation Solutions Firm
SolGuruz's work continues to receive positive feedback from the client's customers. The team is highly communicative and professional from a project management standpoint, and internal stakeholders are impressed with the service provider's technical expertise.
Summarized from Deepak Dhanak's Clutch review
Deepak Dhanak, Co-founder & CEO
Mumbai, India
From Our Portfolio
See how our team built regulated fintech and finance products, from a fractional real estate investment platform to BNPL and subscription billing.
Fractional Real Estate Investment App
Explore our fractional real estate investment app case study, and how SolGuruz turned the complexity of shared property ownership into software people can actually use.
Key Outcomes
How SolGuruz Built UnSub: A Subscription & Bill Management App
SolGuruz designed and developed UnSub - a subscription and bill management platform delivering a complete cross-platform product across web and mobile in 8 weeks.
Key Outcomes
Buy Now Pay Later (BNPL) App Solution
Get insights from FlexiPe App’s Case Study relates to the Buy Now Pay Later model, offering a comprehensive analysis of the BNPL App.
Key Outcomes
We deliver secure, compliant, high-performance insurance software for carriers, MGAs, brokers, and insurtechs.
Financial products rarely run on one platform. Explore the connected fintech software our team builds.
Quick answers to the questions our clients and prospects ask most. If yours is not here, our team is one click away.
Jay NandwanaSenior Technical Business Consultant
Need advice tailored to your project?
FAQs cover the common ground. For decisions specific to your tech stack, timeline, and team, talk to Jay and the team, who have shipped what you are planning.
Or email us hello@solguruz.com
An insurance software development company builds the systems insurers run on: policy administration, claims management, underwriting, quoting and rating, billing, and the agent and customer portals around them. SolGuruz builds these and builds them to comply with NAIC and state requirements and to exchange data over ACORD standards.
Cost tracks scope. A focused module such as a claims portal or quoting engine on your existing core sits at the lower end, typically $30,000 to $50,000, and can launch in 2 to 4 months. A full core platform with policy administration, claims, underwriting, and compliance automation runs longer and costs several times more, often $150,000 to $300,000 or more. The biggest drivers are the number of modules and lines of business and the depth of the compliance work.
A focused module can launch in a few months. A full, multi-module insurance platform typically takes several months more, depending on the modules, the depth of carrier and ACORD integrations, and the number of states and lines of business in scope. We set a realistic timeline with you during scoping.
It turns on how much of your edge lives in the software. If your product or underwriting process is the edge, custom is usually right. If a standard core covers your needs, integrating and extending it is faster. If a legacy core is holding you back, modernizing it often beats replacing it. We help you make this build-versus-buy call before the budget is committed.
Insurance is regulated at the state level, so software typically needs to help you meet NAIC model rules and state Department of Insurance obligations, HIPAA for health lines, data-privacy laws, and strong data security. Your carrier or MGA holds the licenses; we build the software that helps you meet the rules, and we build to comply from the architecture up.
Yes. We build policy administration systems, claims management, underwriting automation, quoting and rating engines, billing, and agent and customer portals, as standalone modules or as a connected core, tailored to your lines of business.
Yes. We build to ACORD data standards and EDI, connect to carrier policy, claims, and rating systems, and integrate with legacy cores, payment rails, and third-party risk and verification data, so a new module or front end works with what you already run.
Yes. We build AI claims automation and triage, underwriting and risk scoring, fraud detection for SIU, document AI for intake and ACORD forms, and predictive analytics, always with a human in the loop where regulation requires one.
Guides on building insurance and fintech products, from what insurtech is to what it costs and how to build it right.
