Faster Time to Market | AI Powered Automation | Reduce Operating Costs | Scale with Confidence
Intelligent Insurance Platforms for Insurers & Carriers
Faster. Smarter. Stronger.
Launch products in weeks, automate insurance operations and scale distribution with an AI-powered, business configurable and API-first platform purpose built for insurers and carriers.
Manage the complete insurance lifecycle across underwriting, policy administration, distribution, reinsurance, financials, claims and reporting, all through one intelligent, connected platform.
Policy Admin
Manage the complete policy lifecycle with greater speed, control and consistency.
-
End-to-End Lifecycle: Quote, refer, bind, issue, endorse, renew, cancel and lapse policies in one platform.
-
Flexible Product Configuration: Configure products, workflows, rules and approvals without lengthy development cycles.
-
Underwriting Control: Apply referral rules, authority limits, sanctions checks and capacity controls consistently.
-
Complete Auditability: Maintain full transaction history, version control and audit trails across every policy.
Underwriting Management
Empower underwriters to assess risks, manage referrals and make informed decisions efficiently.
-
Underwriting Workbench: Access quotes, referrals, tasks, documents and risk information from one central workspace.
-
Referral Management: Automatically refer risks based on underwriting rules, authority limits and business criteria.
-
Authority Controls: Apply individual, product and binder authority limits consistently throughout the underwriting process.
-
Risk Insights: Use complete risk, pricing, claims and policy information to support faster and more consistent decisions.
Rating Engine
Configure sophisticated pricing and underwriting rules without hardcoding every product change.
-
Flexible Rating: Support complex, multi-section and multi-currency insurance products.
-
Version-Controlled Pricing: Apply the correct rates and rules based on product, channel and effective date.
-
Consistent Decisions: Use underwriting rules, referrals and validations to improve pricing accuracy.
-
Omnichannel Execution: Apply the same approved rating logic across internal teams, brokers, customers and APIs.
Document Managment
Create, manage and distribute accurate insurance documents throughout the policy lifecycle.
-
Automated Generation: Produce quotes, schedules, invoices, Certificates of Currency and other policy documents.
-
Branded Templates: Maintain consistent branding and communications across products and channels.
-
Centralised Control: Manage templates and document versions from one secure location.
-
Complete Traceability: Track document generation and changes through comprehensive audit records.
Reinsurance Management
Manage reinsurance arrangements as an integrated part of policy administration and financial operations.
-
Treaty Management: Support quota share, surplus, per-risk excess of loss and catastrophe excess of loss arrangements.
-
Accurate Allocations: Calculate ceded premium, insurer participation and capacity allocations.
-
Recoverable Tracking: Monitor reinsurance recoveries and associated financial movements.
-
Ceded Reporting: Produce consistent reinsurance data and bordereaux for internal teams and capacity partners.
Digital Distribution
Connect products with brokers, customers, partners and insurance ecosystems through multiple distribution channels.
-
Broker Distribution: Provide real-time quoting, referrals, binding, policy issuance and servicing.
-
Direct Distribution: Launch branded digital journeys for customers and affinity programs.
-
Embedded Insurance: Integrate quoting and binding into partner platforms through secure APIs.
-
Flexible Branding: Support white-label and co-branded experiences across different distribution relationships.
Optional Modules
Choose the modules your business needs today and add more as you grow.
Every module connects seamlessly with KoverUI and ProBI, creating one intelligent, connected insurance ecosystem.
FinOps: Insurance Financial Management
Manage insurance financials, payments, commissions and settlements with greater accuracy and control.
-
Receipting and Reconciliation: Manage receipts, allocations, suspense items, bank reconciliation and cash movements.
-
Premium and Commission Management: Track premiums, taxes, fees, commissions and capacity provider allocations.
-
Credit Control: Monitor outstanding balances, debtors, payment status and collection activities.
-
Accounting Integration: Connect financial data with Xero and other accounting platforms through secure integrations.
Insights: Reporting & Intelligence
Transform policy, claims and financial data into actionable business intelligence.
-
Real Time Visibility: Access current policy, premium, claims, financial and distribution information.
-
Automated Reporting: Generate bordereaux, compliance, operational and financial reports efficiently.
-
Interactive Dashboards: Create tailored dashboards and views for executives, underwriters, brokers and operational teams.
-
Flexible Analytics: Access standard reports, ad hoc reporting and Power BI integration from one connected data environment.
KlaimEZ: Claims Management
Manage the complete claims lifecycle with greater efficiency, control and transparency.
-
Complete Claims Lifecycle: Manage FNOL, validation, assessment, reserves, recoveries, approvals, payments and settlement.
-
Workflow and Authority Controls: Assign tasks, manage diaries and apply approval and payment authority limits.
-
Financial Control: Track claim transactions, reserves, payments and recoveries throughout the claim lifecycle.
-
Connected Claims Management: Integrate claims with policy administration, financials, documents and reporting for a unified process.
iDA: Insurance Digital Assistant
Automate manual insurance processes and turn complex documents into structured, actionable information.
-
Intelligent Risk Data Capture: Extract, validate and populate risk information from PDFs, spreadsheets, proposal forms, emails and attachments.
-
Document Intelligence: Read and interpret policy wordings, Product Disclosure Statements, endorsements, underwriting guides and other approved documents.
-
Workflow Automation: Support quoting, underwriting, renewals, policy servicing and operational tasks through intelligent automation.
-
Multiple Quote Automation: Use a single risk submission to prepare and populate multiple quote requests across insurers and products.
Pain points and Solutions
Pain points
Compliance & Audit Pressures
Solutions
Built-in workflows, automated document generation, and audit trails simplify regulatory compliance and reduce operational risk.
Pain points
Fragmented Policy Lifecycle
Solutions
Manage quotes, binds, endorsements, renewals, cancellations, and claims seamlessly in one end-to-end policy admin system.
Pain points
Rigid Legacy Systems
Solutions
KoverUI replaces slow, inflexible legacy platforms with a no-code, API-driven system that adapts quickly to changing business needs.
Pain points
Complex Product Configuration
Solutions
Solution: Configure risk questions, coverages, pricing, and rules without coding—launching new products in weeks, not months.
Pain points
Distribution Bottlenecks
Solutions
Expand reach instantly with ready-to-use broker portals, consumer platforms, mobile apps, and embedded API integrations.
Pain points
Disconnected Operations
Solutions
Eliminate silos by consolidating CRM, accounting, claims, and reporting into one unified platform—improving visibility and efficiency.
We needed an underwriting platform for our niche insurance product launch. While others proposed lengthy development timelines, EnsurTek delivered a testable version in just one week. Their speed and expertise are exceptional!
Trent Brown
Director Distribution
We launched a new travel product and needed a direct-to-consumer channel. EnsurTek integrated with Battleface for rating and delivered a production-ready solution in under six weeks. Their efficiency and delivery exceeded expectations!
Chris Rouse
CEO
The team have interpreted our requirements beautifully and we are so excited to see one of our classes come to life. Thank you to your team for doing a fantastic job to get started.
Stuart Byars
Director