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Faster Time to Market | AI Powered Automation | Reduce Operating Costs | Scale with Confidence

Intelligent Insurance Platform for MGAs & Underwriting Agencies

Accelerate quote speed and profitable throughput

EnsurTek helps MGAs, MGUs and underwriting agencies accelerate profitable growth across broker, direct-to-consumer, affinity and embedded distribution channels. Process submissions faster, prioritise in-appetite opportunities and apply capacity provider requirements, binder terms and delegated authorities consistently.

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Manage product configuration, underwriting, rating, policy administration, distribution, capacity, financials, claims and reporting through one intelligent, connected insurance platform.
 

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Turn more submissions into profitable business

MGAs compete on more than price. Winning and retaining brokered business depends on responding quickly, identifying the right risks and making consistent underwriting decisions. EnsurTek brings submission data, underwriting rules, pricing, referrals, documents and policy administration into one connected workflow. Underwriters gain the information and controls they need to make faster, more confident and defensible decisions.

Quote faster and win more business

EnsurTek moves submissions from intake to decision-ready quotes faster. iDA captures, validates and structures risk information, while KoverUI applies appetite rules, pricing, referrals and underwriting requirements within one connected workflow.

In-appetite opportunities can be prioritised, missing information identified early and populated quotes prepared for underwriter review, amendment, approval or issue.

Result

Faster, more consistent responses, with quotes that are informed, explainable and defensible.

Execute delegated authority consistently

KoverUI operationalises capacity provider requirements, binder terms, delegated authorities and underwriting guardrails directly within the workflow.

Appetite rules, authority limits, referral criteria, pricing controls and approval requirements are applied consistently, reducing execution variance and errors during periods of high submission volume. Every decision, change and approval remains traceable through comprehensive audit records.

Result

Stronger capacity provider confidence, improved governance and safer, more scalable growth.

Deploy quickly, even with limited IT resources

EnsurTek's business-configurable, AI-powered and API-first platform connects with existing systems and workflows without requiring a lengthy technology transformation program.

Configure products, rating, underwriting rules, documents and workflows efficiently, while connecting with brokers, insurers, capacity providers, payment platforms and data partners through secure APIs.

Start with the capabilities you need today and add further modules as your business grows.

Result

Time-to-value in weeks, with less implementation complexity and reduced demand on internal IT resources.

Deliver faster, more connected distribution experiences

KoverUI reduces friction by identifying appetite fit, missing information, referral requirements and next steps earlier in the journey.

Brokers receive faster responses and clearer information requests. Customers benefit from streamlined digital quote and purchase journeys, while affinity and embedded partners can connect through secure APIs for real-time quoting, payment, binding and policy issuance.

Result

Better experiences across every distribution channel, with faster turnaround, stronger relationships and more opportunities to grow.

KoverUI: Intelligent Core Insurance Platform

KoverUI helps MGAs and underwriting agencies configure, launch, distribute and manage insurance products from one connected environment. 
Bring together product configuration, underwriting, rating, policy administration, documents, binder management, financials and distribution while connecting seamlessly with brokers, insurers, capacity providers and partners through APIs.

Policy Admin

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.

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.

Binder Management and Settlement

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.

Rating Engine

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.

Document Management

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.

Digital Distribution

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.

Connected 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.

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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.

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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.

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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.

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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.

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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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Trent Brown

Director  Distribution

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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!
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Chris Rouse

CEO

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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.
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Stuart Byars

Director

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