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From $40K
SOC 2, HIPAA, GDPR
Dedicated team or T&M

Custom Insurance Software Development Company

You already know what your insurance product should do. What you need is a team that wouldn't have to learn HIPAA, SOC 2, and Duck Creek on your budget. We've done the regulated-finance work, and we build claims, policy, and underwriting software that are compliant from the get go.
What you get:
Compliance-first architecture — HIPAA, SOC 2, GDPR built into week one, not bolted on.
Core-system integrations — Guidewire, Duck Creek, Majesco via REST, SOAP, FHIR.
Claims & underwriting UX — workflows designed around adjusters and policyholders.
Full source code + IP ownership — your platform, your data, zero vendor lock-in.

Our expertise in numbers

550+
projects delivered
70%
of clients return for a second project
210+
specialists on the team
10+
years in the market — not a single unfinished project
Clutch Top Developers 2024
4.9 on Clutch (44 reviews)
Best Design Award 2023
Clutch Top Developers 2024
4.9 on Clutch (44 reviews)
Best Design Award 2023
Clutch Top Developers 2024
4.9 on Clutch (44 reviews)
Best Design Award 2023

Who we help

We work with insurance carriers, agencies, and insurtech founders, and we plug in at any stage: from a first MVP to modernizing a platform that's already in production.

CTOs and product leaders at carriers

For teams running on Guidewire, Duck Creek, or in-house core systems who need to ship faster without putting compliance or uptime at risk.
Working with us, you:
Modernize around your core system instead of a risky rip-and-replace
Integrate claims, policy, and underwriting modules via REST, SOAP, and FHIR
Pass SOC 2, HIPAA, and GDPR audits with compliance built into the architecture
Get code by the book: CI/CD, code review, and 80%+ test coverage
Keep full ownership and hand off to your in-house team whenever you want

Insurtech founders

For founders with a validated insurance product idea who need a compliant MVP shipped before the next funding round, without hiring a full team first.
Working with us, you:
Launch an insurtech MVP in 4 months, built to demo to investors
Fix scope and price upfront, with no open-ended billing
Ship compliant from day one with KYC, audit logging, and encryption
Validate with real users on a working product instead of a prototype
Scale into a full insurance platform on the same codebase after your raise

Owners of insurance agencies

For agencies stuck on manual claims and underwriting who want to grow volume without growing headcount at the same rate.
Working with us, you:
Automate claims intake and FNOL so adjusters stop re-keying data
Cut manual underwriting work up to 60% with automated data extraction
Catch more fraud with real-time ML scoring built into the workflow
Give policyholders a self-service portal to track claims without calling support
Integrate with your CRM and document systems without pausing operations

AND EVERYONE ELSE

If your scenario isn't listed above, that doesn't mean we can't help.
Fill a form and you'll get:
Insurance system scoping in 3 days — architecture, module list, and estimate
Analysis of your current claims and underwriting processes and automation opportunities
Integration recommendations for your existing policy admin, CRM, or payment tools
Signed NDA before the first call

When can we help with insurance software development

From legacy modernization to a first insurtech MVP: a tailored approach for carriers, agencies, and founders.

Your core system can't keep up with the business

Every new product, state, or workflow change turns into a quarter-long project and a vendor ticket queue. The business waits on IT, and IT waits on a platform that was never built to bend. We modernize around your core instead of ripping it out.
Show details
When this is relevant:
Guidewire or Duck Creek changes need a specialist and weeks of lead time
A new line of business is blocked by rigid policy administration software
Insurance carriers are losing speed to insurtech-native competitors
Legacy code can't pass a modern SOC 2 or GDPR audit
Our approach:
We run a discovery sprint to map data models, integrations, and compliance scope
We design a strangler-fig migration path, shifting traffic gradually and retiring legacy safely
We build claims and policy modules on a modern, scalable stack
We hand over full source code, documentation, and IP
What you get:
A modern layer over your core that adds workflows without a full rip-and-replace
Compliance-ready architecture with HIPAA, SOC 2, and GDPR designed into the build
Core-system integrations: Guidewire, Duck Creek, and Majesco via REST, SOAP, FHIR
Phased migration where new services run alongside legacy, with no production downtime

You have an insurtech idea but no team to ship it compliant

Hiring an in-house team takes 6–8 months, and a generalist agency will learn HIPAA, SOC 2, and Duck Creek on your budget. Meanwhile your funding window is open right now. We've already done the regulated-finance work, and we ship insurance software that's compliant on day one.
Show details
When this is relevant:
A funding round is 4–6 months out and investors want a working product
You have a validated insurance product idea but no engineering team
Time-to-market is critical and competitors are moving on the same niche
You need compliance handled by people who've shipped regulated fintech
Our approach:
We run a discovery sprint to fix the minimum compliant feature set
We build the MVP in 4 months with weekly demos and Slack access to the team
We design claims and policy UX around your real users, whether adjusters or policyholders
We hand over a documented, scalable codebase and a post-raise roadmap
What you get:
A working insurtech MVP in 4 months, built as a real product rather than a slide deck
A compliance-first build with KYC, audit logging, and encryption from the first sprint
Fixed scope and price, with no open-ended billing and no surprise change orders
Full code and IP ownership, so your platform is ready to scale after the raise

Manual claims and underwriting are draining your team

Adjusters re-key data across systems, underwriters chase documents, and every extra step is salary and lost time. The work scales with headcount because the software never automated it. We build the workflows that take the manual load off.
Show details
When this is relevant:
Claims intake and FNOL still run on email, spreadsheets, and re-keying
Underwriters spend more time gathering data than assessing risk
Insurance agencies can't grow volume without proportionally growing staff
Fraud slips through because no system flags patterns in real time
Our approach:
We map your current claims and underwriting workflows in a discovery sprint
We build automation on a Python and Node.js stack with audit logging built in
We integrate with your core, CRM, and document sources via REST and FHIR
We ship with observability and compliance audits, then support the product post-launch
What you get:
Automated claims workflows covering FNOL, adjudication, and settlement in one system
Underwriting automation with data extraction that cuts manual work up to 60%
Real-time fraud scoring where ML flags anomalies and raises detection accuracy up to 30%
A self-service portal where policyholders track claims without calling support

Insurance software development cost

Three engagement sizes with real ranges from our projects. We give a fixed-price estimate after a discovery sprint, so the number you sign is the number you pay.

MVP / Single line of business

from $40K
Timeline: 4 months
1 line of business, 1 platform
Discovery sprint
Claims or policy module
Core compliance layer (HIPAA or SOC 2)
One core integration
Audit logging
Examples: claims intake app, on-demand insurance MVP, agent quoting tool

Mid-scale platform ⭐

from $80K
Timeline: 6 months
Multi-module, web + mobile
Claims and policy administration
Underwriting workflows
REST/SOAP/FHIR integrations
Role-based access
Reporting dashboards
Examples: policy administration platform, broker portal, insurtech SaaS product

Enterprise / Core system

from $150K
Timeline: 12 months
Multi-LoB, high load, full compliance
Full claims, policy, and underwriting suite
Multi-system integration
ML fraud scoring
SOC 2 + HIPAA + GDPR
24/7 SLA support
Examples: carrier core modernization, multi-state underwriting platform, end-to-end insurtech ecosystem
Note:
Exact cost depends on:
line of business and product complexity
number of core-system integrations (Guidewire, Duck Creek, Majesco)
compliance level (HIPAA, SOC 2, GDPR, or all three)
whether you need web, mobile, or both
Get the exact cost and timeline for your insurance software development project
Free system scoping in 3 days: architecture, estimate, and roadmap. NDA signed before we discuss any details.
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Get the exact cost and timeline for your insurance software development project
Free system scoping in 3 days: architecture, estimate, and roadmap. NDA signed before we discuss any details.
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Our insurance software development proccess

We work in 2-week sprints with a demo and a report after each one. From the first call to launch, you always know what's shipping and when.
1

Discovery & compliance mapping

We map your requirements, line of business, and existing systems.
Duration: 1 week
We dig into your requirements, line of business, and existing systems. We map HIPAA, SOC 2, and GDPR obligations against your data flows, recommend a tech stack, and identify integration and compliance risks upfront.
What you get:
Signed NDA so your idea and data stay protected
Fixed scope and price so you can plan budget with no surprises
Compliance map showing exactly what each audit will require
2

UX & architecture design

We design claims, policy, and underwriting flows around your real users.
Duration: 3 weeks
We design claims, policy, and underwriting flows around your real users, whether adjusters, underwriters, or policyholders. In parallel we lock the architecture: data model, integration approach, and a compliance-first foundation built to scale.
What you get:
Clickable prototype so you see the product before it's built
All screens in Figma, ready to hand to engineering
Architecture and integration plan covering Guidewire, Duck Creek, and FHIR
3

Development

We ship claims, policy administration, and underwriting modules.
Duration: 4 months
Our team ships claims, policy administration, and underwriting modules on a modern React Native and Node.js stack. We integrate with your core systems and document sources, with audit logging, encryption, and role-based access built in from the start.
What you get:
Working software every sprint so progress is always visible
Core-system integrations via REST, SOAP, and FHIR
Code by the book: CI/CD, code review, 80%+ test coverage
4

QA & compliance audit

We run manual and automated testing across functionality, security, and load.
Duration: 3 weeks
Our QA engineers run manual and automated testing across functionality, security, and load. We run penetration testing and validate the build against HIPAA, SOC 2, and GDPR requirements before anything goes live.
What you get:
Tested, audit-ready build verified against your compliance scope
Penetration test results with issues resolved, not just listed
Security documentation for your own audits and investors
5

Launch & support

We deploy to production, monitor stability, and fix critical issues fast.
Duration: launch in 1 week, support ongoing
We deploy to production, monitor stability, and fix critical issues fast. After the included support window, we offer a retainer with SLA support, continuous compliance audits, and regular security patches.
What you get:
Live product in production with monitoring in place
Full source code, documentation, and IP ownership
SLA support 24/7 with observability and ongoing compliance audits

What our clients say about us

Pogovorim.online service screenshots
William Angel
Personalised — wellness app design

I'm the CTO of Personalised Co., an app for tracking supplement and vitamin intake. Purrweb designed the product's UI/UX with a Shopify store integration for automatic reordering, and built an interface for healthy living with personalized tracking.

Personalised — wellness app design
HealthTech, Design, Mobile app, Shopify, Wellness

Personalised Co. is an app for people who take supplements and vitamins regularly: intake tracking and automatic reordering through a Shopify integration. Purrweb designed the product's UI/UX with a supplement marketplace and a personal intake schedule.

View full case
Pogovorim.online service screenshots
Seth Abel-Sadeq
KEM — Payment app

I'm the CEO of KEM, a P2P mobile payment service for the Kuwaiti market, where not everyone has access to online banking. Our banking partners needed an MVP for demonstrations. Purrweb delivered the design and the MVP, working around the restrictions on connecting to the banking API. On completion, they handed the project over to our in-house team with full documentation and a month of technical support.

KEM — Payment app
Fintech, Design+Development, Mobile app, Cross-platform, MENA

KEM is a P2P app for instant money transfers in the Kuwaiti market: linked bank cards, money requests from the contact list, and transaction history. The key challenge: for security reasons, Kuwaiti banks don't allow outside developers to work with their API — so Purrweb built the back end on mock data, fully simulating the final functionality for demos.

View full case
Pogovorim.online service screenshots
Matt Brzowski
Founder
Buzz

I'm building Buzz, an app for finding and organizing events in small American towns. I came to Purrweb with almost nothing — just an idea. Purrweb helped with marketing, brand identity, and the logo, and walked the whole road to MVP with us, even when our requirements shifted a lot in the early stages. I valued the flexibility and the quality of the design.

Buzz
Lifestyle, Design+Development, Mobile app, Social app, Geolocation

Buzz is a geosocial service for residents of small American towns: a geolocation-based feed of public events, private events with friend invites, group chats, and a Ticketmaster integration. Purrweb created the brand identity from scratch, optimized the architecture, reused ready-made modules, and shipped the MVP in 12 months.

View full case
William Angel
Personalised — wellness app design

I'm the CTO of Personalised Co., an app for tracking supplement and vitamin intake. Purrweb designed the product's UI/UX with a Shopify store integration for automatic reordering, and built an interface for healthy living with personalized tracking.

Personalised — wellness app design
HealthTech, Design, Mobile app, Shopify, Wellness

Personalised Co. is an app for people who take supplements and vitamins regularly: intake tracking and automatic reordering through a Shopify integration. Purrweb designed the product's UI/UX with a supplement marketplace and a personal intake schedule.

View full case
Seth Abel-Sadeq
KEM — Payment app

I'm the CEO of KEM, a P2P mobile payment service for the Kuwaiti market, where not everyone has access to online banking. Our banking partners needed an MVP for demonstrations. Purrweb delivered the design and the MVP, working around the restrictions on connecting to the banking API. On completion, they handed the project over to our in-house team with full documentation and a month of technical support.

KEM — Payment app
Fintech, Design+Development, Mobile app, Cross-platform, MENA

KEM is a P2P app for instant money transfers in the Kuwaiti market: linked bank cards, money requests from the contact list, and transaction history. The key challenge: for security reasons, Kuwaiti banks don't allow outside developers to work with their API — so Purrweb built the back end on mock data, fully simulating the final functionality for demos.

View full case
Matt Brzowski
Founder
Buzz

I'm building Buzz, an app for finding and organizing events in small American towns. I came to Purrweb with almost nothing — just an idea. Purrweb helped with marketing, brand identity, and the logo, and walked the whole road to MVP with us, even when our requirements shifted a lot in the early stages. I valued the flexibility and the quality of the design.

Buzz
Lifestyle, Design+Development, Mobile app, Social app, Geolocation

Buzz is a geosocial service for residents of small American towns: a geolocation-based feed of public events, private events with friend invites, group chats, and a Ticketmaster integration. Purrweb created the brand identity from scratch, optimized the architecture, reused ready-made modules, and shipped the MVP in 12 months.

View full case
Do you want to order a development?
We will discuss your project in 30 minutes: we will assess the complexity, suggest solutions, and name approximate deadlines and budgets. We sign the NDA before the call. No strings attached.
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Please fill in all fields
Let’s go!
Let’s go!
Do you want to order a development?
We will discuss your project in 30 minutes: we will assess the complexity, suggest solutions, and name approximate deadlines and budgets. We sign the NDA before the call. No strings attached.
Your role in the project
Service of interest
Budget
Please select one option in each category
Request sent
Our manager will contact you shortly.
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FAQ

What insurance software development services do you provide?

We build claims management software, policy administration software, underwriting automation, insurtech SaaS products, core-system modernization, and compliance-first architecture for carriers, agencies, and founders. Every engagement starts with a discovery sprint that fixes scope, maps compliance, and gives you a fixed-price estimate before development begins, across web, mobile, or both.

How much does custom insurance software development cost?

It depends on scope: an MVP for a single line of business runs $40K–$80K, a mid-scale platform $80K–$150K, and an enterprise or core build $150K–$400K+. The biggest drivers are core-system integrations (Guidewire, Duck Creek, Majesco), how many compliance frameworks you need (HIPAA, SOC 2, GDPR), and whether you need web, mobile, or both. We quote a fixed price after a discovery sprint. For a deeper breakdown, see how to build an insurance app.

How long does it take to build insurance software?

An MVP takes about 4 months, a mid-scale platform around 6 months, and an enterprise core build 12 months or more. Timelines are fixed at the discovery stage. The two factors that move timelines most are the compliance audit and core-system integration.

How do you ensure HIPAA, GDPR, and SOC 2 compliance?

Through concrete technical practices: data tokenization, full audit logging, role-based access control (RBAC), encryption at rest and in transit, and regular penetration testing. Compliance is scoped before any code is written. We map your data flows against each framework at the start, then build to that map and validate every release against it during QA.

Can your insurance software integrate with Guidewire, Duck Creek, or other core systems?

Yes. We integrate with Guidewire, Duck Creek, Majesco, Insurity, and Sapiens, plus custom integrations over REST, SOAP, and FHIR. For proprietary or legacy systems, we scope the integration during discovery and design a path that runs alongside your existing stack, so the core stays online.

What is the process for developing custom insurance software?

Five stages. Discovery: we map requirements, compliance scope, and architecture, then fix the price. Design: we design claims and underwriting UX plus the system architecture. Development: we build in 2-week sprints with a demo after each. QA & compliance audit: we test against the compliance map and run penetration testing. Launch & support: we ship to production and stay on with SLA support.

Do you build claims management software?

Yes. We build end-to-end claims management software covering FNOL (first notice of loss), adjudication, settlement, and fraud detection in a single workflow. Everything runs with audit logging, and we integrate the workflow with your core system, CRM, and document sources so claims data moves without manual copying.

Do you build policy administration software?

Yes. We build policy administration software covering policy issuance, renewals, endorsements, and billing, with integration into your CRM and core systems. Renewals and endorsements run on configurable rules rather than manual rework, and billing ties into your existing payment stack.

How do I choose the right insurance software development company?

To choose the right financial software development partner, check five things: real compliance track record, experience in your line of business, core-system integration depth, security practices, and post-launch support. Ask for specifics: which frameworks they’ve shipped against, which core systems they’ve integrated, and whether they quote fixed scope or open-ended hours. Confirm you own the code and IP from day one.

What emerging technologies do you use?

We use AI and ML for fraud detection and underwriting automation, blockchain for smart contracts in parametric insurance, embedded insurance APIs, and IoT telematics for auto and health products. We add these where they earn their place.

How does custom insurance software improve operational efficiency?

By automating the manual steps that scale with headcount. Our automation cuts claims processing time up to 40%, reduces manual underwriting work up to 60%, and real-time ML scoring raises fraud detection accuracy up to 30%. You grow volume without growing staff at the same rate, and every step keeps an audit trail.

Do you provide post-launch support and maintenance?

Yes. Every project includes a post-launch support period, and most clients continue on a retainer from $2,500/month with 24/7 SLA support, observability, continuous compliance audits, and regular security patches. You keep full code and IP ownership throughout.