KoverUI - Core Insurance Platform

Manage the complete policy lifecycle with greater speed, control and consistency.

• Complete Policy Lifecycle: Quote, refer, bind, issue, endorse, renew, cancel and lapse policies in one platform.

• Flexible Product Configuration: Configure products, workflows, questions, rules and approvals without lengthy development cycles.

• Policy Servicing: Manage midterm changes, renewals, cancellations and customer requests efficiently.

• Complete Auditability: Maintain transaction history, version control and audit trails across every policy.

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.

Manage binding authorities, capacity arrangements and settlements with greater transparency.

• Binder Management: Maintain binder details, effective dates, limits, capacity providers and participation arrangements.

• Capacity Allocation: Allocate premiums and insurer participation across single or multiple capacity providers.

• Premium Splits: Calculate insurer shares, commissions, fees, taxes and other financial components.

• Settlement and Reporting: Support insurer settlements, bordereaux and capacity reporting with complete traceability.

Configure sophisticated pricing and underwriting rules without hardcoding every product change.

• Flexible Rating: Support complex, multisection and multicurrency 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 underwriters, brokers, customers and APIs.

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.

Connect insurance products with brokers, customers, affinity partners and digital ecosystems.

• Broker Distribution: Provide realtime 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 cobranded experiences across different distribution relationships.