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 130+ independently verified client reviews across Clutch, Google, Glassdoor, and other platforms, averaging 4.9 ★★★★★ ratings.
Online Art Education Platform
I've been working with SolGuruz for almost five or six years. They say you have to pick two of the three: cost, quality, or speed. SolGuruz has been the only company that I have ever experienced that has delivered on all three of those pillars at the same time. They deliver the highest quality code, designs, and projects at the best price and within timelines you think are impossible. You guys are amazing and unmatched.
Vice President & Co-Founder, Sparketh | Shark Tank Featured Startup
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
Mobile App & Web App Dev & UX/UI Design for Social Platform / Daily Journaling App
SolGuruz has delivered the initial design and meets weekly to track progress. The team coordinates the project through a project manager as the primary client contact. SolGuruz is communicative and provides follow-up to meet requirements. They communicate via virtual meetings, emails, and messages.
Summarized from Robert Mond's Clutch review
Robert Mond
Principal, The Master Storytellers LLC & Founder/CEO, DreamStoryLive | New Mexico, USA
Radon Compliance Software - Website & Mobile App Dev for Home Services Company
SolGuruz delivered the project on time and had outstanding project management skills. Furthermore, the team communicated effectively and cohesively through Microsoft Teams. Overall, the service provider's performance led to the client's satisfaction.
Summarized from Chad Smith's Clutch review
Chad Smith
Owner, Monarch Radon Testing LLC & Founder, RadonSketch | Colorado, 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
Our fintech security and compliance playbook covers the controls that keep an insurance build audit-ready, from data privacy to SOC 2 practices. 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
Claude Code
GitHub Copilot
Cursor
Windsurf
v0
Gemini
Codex
Banani
Figma Make
Uizard
Pencil Dev
Stitch
Kiro
Antigravity
User-doc
Miro AI
Whimsical AI
We 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.
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
We build compliance-heavy finance products where accuracy and trust are the whole point, from a production BNPL app to wealth management software, so we scope your build from delivery, not theory.
Compliance Built In
We build to comply with NAIC and state requirements, HIPAA for health lines, and SOC 2-aligned practices, so the regulated parts are handled from the architecture up.
The Core, Not Just the App
We build the policy administration, claims, and underwriting logic that make an insurance platform work, which is where most teams underestimate the effort.
Proven Delivery
SolGuruz has shipped 102+ products across 14 industries with a 99.9% delivery rate, backed by ISO 27001 and ISO 9001 certified processes.
One Team, One Build
Core, portals, data, and compliance under one roof, so you are not integrating separate vendors and hoping the seams hold.
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
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Key Outcomes
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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.
Quick answers to the questions our clients and prospects ask most. If yours is not here, our team is one click away.
Need advice tailored to your project?
FAQs cover the common ground. For decisions specific to your tech stack, timeline, and team, talk directly to a senior engineer who has shipped what you are planning.
