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Launch products in weeks with No-Code agility | All Modules in One | AI-Driven Insurance Efficiency.

KoverUI 

Smarter Policy Admin:  Configure, Launch & Scale Products Faster

  • End-to-End Policy Admin: Manage the full lifecycle in one place:  quotes, binds, issuance, endorsements, renewals, and cancellations.

  • Powerful Rating Engine: Apply underwriting rules, configure models, and deliver accurate real-time quotes across channels.

  • Dynamic Document Management: Automate creation, storage, and versioning of policies, schedules, and certificates with full audit trails.

  • Capacity & Reinsurance Management: Support both binding authority and ceded reinsurance with automated allocations, tracking, and reporting.

  • Omnichannel Distribution: Power broker portals, D2C journeys, embedded APIs, and white-label solutions to expand reach.

  • No-Code, API-Ready, Gen-AI Powered: Quickly configure, launch, and adapt products with automation, compliance, and seamless integrations.

KoverUI - Core Insurance Platform

KoverUI is a no-code, API-ready, Gen-AI powered core platform that helps insurers configure, launch, and manage products end-to-end: bringing policy admin, rating, documents, and distribution together in one unified system, fully connected with all EnsurTek modules.

Policy Admin

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A next-generation core built for agility and compliance:

  • Full Lifecycle Control: Manage quotes, binds, issuance, endorsements, renewals, and cancellations in one place.

  • Seamless Connectivity: Plug into brokers, partners, and ecosystems for faster speed to market.

  • Capacity & Reinsurance: Support binder authority for MGAs and ceded reinsurance for insurers with confidence and clarity.

  • Always Compliant: Stay audit-ready with safeguards and automated workflows.

Rating Engine

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A powerful, flexible engine designed to keep pricing accurate and competitive:

  • Consistent & Reliable: Apply underwriting rules and rating methods with confidence.

  • Configurable Models: Adapt rating factors and logic through no-code tools.

  • Transparent Controls: Maintain a clear audit trail with reusable templates and versioning.

  • Future-Ready: Manage effective periods, updates, and real-time quoting across all channels.

  • Fully Integrated: Works seamlessly with policy and distribution modules.

Document Manager

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Centralise and automate every policy document across the lifecycle:

  • Dynamic Generation: Instantly produce policies, schedules, and certificates.

  • Custom Branding: Deliver documents aligned to your business identity.

  • Centralised Hub: Securely store and manage versions in one place.

  • Automated Workflows: Trigger document creation throughout the policy lifecycle.

  • Audit-Ready: Track every change with full history for compliance.

Distribution

Omnichannel distribution

Expand access and deliver seamless experiences for brokers, agents, and customers:

  • Broker Portals: Enable quoting, binding, and servicing in real time.

  • Direct-to-Consumer: Launch branded self-service journeys.

  • Embedded APIs: Integrate products into partner platforms and ecosystems.

  • White-Label Solutions: Offer co-branded options to partners and networks.

  • Configurable Flows: Tailor distribution to your business rules.

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Faster Time to Market

Launch and update insurance products in weeks, not months; with full control over rates, rules, and distribution.

Integration-Ready & Intelligent

Seamlessly integrate with external systems and use AI to automate tasks like document extraction and  quote generation

All-in-One Insurance Lifecycle

Manage policies, claims, FinOps, reporting, documents, and compliance in one platform.

Omnichannel Distribution

Distribute through broker portals, D2C websites, mobile apps, embedded APIs, and white-label solutions.

Platform Capabilities

01 Policy Admin

Design, launch, and manage complex insurance products with ease. Handle endorsements, renewals, cancellations, and mid-term adjustments—all in one platform.

02 Claims

Streamline the full claims lifecycle from FNOL to settlement with intelligent workflows. Automate validations, manage assessors, and maintain compliance with built-in audit trails.

03 Accounting

Manage accounts receivable, payable, and trust accounting with integrated reconciliation and authorisation flows. Seamlessly connect with systems like Xero to keep your financials accurate and compliant.

04 CRM

Track client, broker, and partner interactions across the insurance lifecycle. Centralise communication, improve engagement, and personalise the customer experience.

05 Reporting

Access real-time dashboards and custom reports to monitor performance, compliance, and profitability. Export data easily for internal teams, partners, or regulatory bodies.

06 Document Management

Store, generate, and manage proposal forms, PDS, quotes, invoices, and more. Automate document workflows and ensure secure, version-controlled access.

07 Distribution Channel

Distribute your products across broker portals, D2C platforms, white-label solutions, embedded APIs, and mobile apps. Control access, pricing, and branding from a single interface.

08 API Integrations

Connect instantly with external systems—CRMs, accounting platforms, rating engines, and payment gateways. KoverUI’s API-first design ensures seamless data flow across your insurance ecosystem.

09 AI Intelligence

Enhance decision-making and automation across the platform with iDA, your built-in AI assistant. iDA reads, compares, and summarises documents, auto-generates quotes, and streamlines renewals—reducing manual effort and boosting efficiency.

What Our Customers Say :

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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!

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