InsurTech That Outpaces Legacy Competitors
Ship insurance platforms with built-in compliance and carrier integrations faster than competitors can update core systems.
👋 Talk to an InsurTech expert.
Trusted and top rated tech team
Technical precision meets insurance complexity
Insurance technology demands precision, balancing compliance, real-time risk assessment, and customer trust. We build InsurTech platforms to simplify underwriting, integrate with carrier systems, and scale with your business growth.
Our capabilities include:
- Regulatory-first architecture
- Real-time analytics integration
- Claims processing automation
- Multi-carrier API management
- Customer portal development
- Data pipeline optimization
Who we support
Whether you’re updating old systems, building new ones, or scaling into new insurance markets, success depends on engineering teams that balance compliance with agility.
InsurTech Startups
Founding teams with insurance expertise need engineers who understand tech and regulations. You're competing with big players while building compliance from the ground up.
SaaS Companies Entering Insurance
Product teams adding features like embedded coverage, usage-based options, or risk management tools face integration challenges that affect product speed and customer experience.
Insurers Modernizing Operations
Legacy carriers struggle with outdated policy systems and manual underwriting. Growth stalls as competitors launch digital-first products faster than your IT team can modernize.
Ways to engage
We offer a wide range of engagement models to meet our clients’ needs. From hourly consultation to fully managed solutions, our engagement models are designed to be flexible and customizable.
Staff Augmentation
Get access to on-demand product and engineering team talent that gives your company the flexibility to scale up and down as business needs ebb and flow.
Retainer Services
Retainers are perfect for companies that have a fully built product in maintenance mode. We'll give you peace of mind by keeping your software running, secure, and up to date.
Project Engagement
Project-based contracts that can range from small-scale audit and strategy sessions to more intricate replatforming or build from scratch initiatives.
We'll spec out a custom engagement model for you
Invested in creating success and defining new standards
At Curotec, we do more than deliver cutting-edge solutions — we build lasting partnerships. It’s the trust and collaboration we foster with our clients that make CEOs, CTOs, and CMOs consistently choose Curotec as their go-to partner.
Why choose Curotec for InsurTech development?
Our development approach reflects the realities of insurance—strict regulations, zero tolerance for errors, and peak performance during enrollment surges. Compliance frameworks are built in from the start. Your application launches ready with audit trails, data encryption, and carrier integrations.
1
Extraordinary people, exceptional outcomes
Our outstanding team represents our greatest asset. With business acumen, we translate objectives into solutions. Intellectual agility drives efficient software development problem-solving. Superior communication ensures seamless teamwork integration.
2
Deep technical expertise
We don’t claim to be experts in every framework and language. Instead, we focus on the tech ecosystems in which we excel, selecting engagements that align with our competencies for optimal results. Moreover, we offer pre-developed components and scaffolding to save you time and money.
3
Balancing innovation with practicality
We stay ahead of industry trends and innovations, avoiding the hype of every new technology fad. Focusing on innovations with real commercial potential, we guide you through the ever-changing tech landscape, helping you embrace proven technologies and cutting-edge advancements.
4
Flexibility in our approach
We offer a range of flexible working arrangements to meet your specific needs. Whether you prefer our end-to-end project delivery, embedding our experts within your teams, or consulting and retainer options, we have a solution designed to suit you.
Enterprise InsurTech capabilities
Claims Processing Engine
Policy Administration Platform
Risk Assessment Framework
Regulatory Compliance Suite
Customer Engagement Portal
Data Analytics Dashboard
InsurTech solutions and integrations
Backend Infrastructure & APIs
Curotec builds InsurTech applications with robust backends to handle regulations and high-volume operations from launch.
- Node.js & Express — Backend frameworks optimized for real-time policy updates, claims processing, and carrier API integrations with sub-second response times
- Python & Django — Actuarial modeling frameworks with built-in compliance controls for complex underwriting algorithms and risk assessment calculations
- REST & GraphQL APIs — Custom API development for connecting insurance applications to CRM, ERP, and carrier systems with real-time data synchronization
- Microservices Architecture — Decoupled service design allowing independent scaling of claims processing, policy administration, and customer portal components
- Message Queue Systems — Reliable processing of high-volume claims submissions and policy changes using Redis and RabbitMQ during traffic spikes
- AWS Lambda Functions — Serverless policy renewal processing and premium calculations that scale automatically without infrastructure management
Database Integration & Policy Storage
Our insurance data management provides secure, compliant storage with audit trails and version control for sensitive information.
- PostgreSQL & TimescaleDB — Enterprise databases with encrypted storage, automated backup, and time-series analytics for claims trending and policy performance tracking
- MongoDB & Elasticsearch — Document databases optimized for unstructured claims data with advanced search indexing across policy documents and customer interactions
- Amazon S3 & Azure Blob Storage — Secure cloud storage for policy documents, claims photos, and regulatory filings with encryption at rest and automated retention policies
- Data Lake Architecture — Structured storage for telematics data, IoT sensor information, and customer behavior analytics used in ML-powered risk assessment
- Version Control Systems — Git-based document versioning with branch management for policy revisions, underwriting rule changes, and regulatory updates
- Backup & Archive Solutions — Automated insurance data backup with long-term retention, point-in-time recovery, and compliance-ready archival for regulatory requirements
Carrier Integration & Legacy Connectivity
We connect InsurTech platforms to carrier systems and legacy infrastructure without disrupting workflows.
- EDI & XML Processing — Legacy carrier integration using industry-standard formats for policy data exchange, claims reporting, and regulatory submissions
- ACORD Standards Implementation — Insurance industry protocol compliance for seamless data exchange between carriers, agents, and third-party service providers
- API Gateway Management — Centralized carrier connection management with rate limiting, authentication, and error handling for multiple insurance partner integrations
- ETL Pipeline Development — Transform legacy carrier data into modern API formats while maintaining data integrity and regulatory compliance requirements
- Webhook & Event Streaming — Real-time updates from telematics providers, IoT networks, and external risk assessment services integrated into policy pricing workflows
- Third-Party Integration — Connect identity verification, fraud detection, payment processing, and credit scoring services through standardized API interfaces
Security & Regulatory Compliance
Our security frameworks meet insurance industry requirements, including state regulations, data privacy laws, and financial compliance.
- OAuth 2.0 & Multi-Factor Authentication — Secure customer and agent authentication across web and mobile applications with role-based access controls
- SSL/TLS Encryption Management — End-to-end encryption for all data transmission between customer devices, agent portals, and carrier integration endpoints
- PCI DSS Compliance Setup — Secure premium payment processing without storing sensitive card data, including tokenization and encrypted transaction handling
- GDPR & CCPA Implementation — Automated data retention policies, customer privacy controls, and right-to-deletion workflows for regulatory compliance
- SOC 2 Type II Preparation — Security control documentation and operational procedures required for enterprise insurance clients and carrier partnerships
- Penetration Testing Coordination — Regular security assessments and vulnerability management to identify risks before deployment to production environments
DevOps & System Deployment
Curotec deploys insurance applications with zero downtime and automated scaling to manage enrollment and claims spikes.
- CI/CD Pipeline Configuration — Automated testing and deployment workflows with regulatory approval gates and rollback capabilities for mission-critical updates
- Infrastructure as Code — Consistent cloud resource management using Terraform and CloudFormation for reproducible environments across development and production
- Load Balancer & Auto-Scaling — Traffic distribution and automatic resource provisioning to maintain performance during open enrollment periods and marketing campaigns
- Blue-Green Deployment — Zero-downtime feature releases with instant rollback capabilities to minimize business disruption during platform updates
- Monitoring & Alert Systems — Real-time performance tracking with proactive notifications about system issues before they impact customer experience
- Database Migration Management — Schema updates and data migrations executed without downtime during business-critical operational periods
Mobile Apps & Customer Portals
Our mobile development delivers reliable, secure insurance apps for sensitive financial data across devices.
- React Native Development — Cross-platform insurance apps with native performance for policy management, claims submission, and agent communication tools
- Progressive Web Applications — Mobile-responsive platforms accessible from any device without app store dependencies or lengthy approval processes
- Offline Functionality — Claims submission and policy access capabilities that work without internet connectivity, syncing data when connection is restored
- Biometric Authentication — Fingerprint and facial recognition security for policy access while maintaining compliance with financial data protection standards
- Push Notification Systems — Automated alerts for policy renewals, claims updates, coverage changes, and regulatory deadline reminders
- Accessibility Compliance — ADA-compliant interfaces ensuring your platform serves customers with disabilities while meeting legal accessibility requirements
FAQs about our InsurTech development
How do you handle state-specific insurance regulations?
We build compliance frameworks that automatically apply state-specific rules for policy issuance, claims processing, and customer communications. Your platform adapts to regulatory requirements without manual configuration.
What's your experience with carrier integration?
We’ve integrated with major carriers including Berkshire Hathaway subsidiaries, AIG platforms, and regional carriers using everything from modern APIs to legacy EDI formats. We handle data transformation and error handling automatically.
How do you scale platforms during enrollment?
We architect systems using auto-scaling infrastructure, database read replicas, and CDN distribution. During open enrollment or marketing campaigns, your platform automatically provisions additional resources.
Can you build systems for multiple product lines?
Yes, we design flexible policy administration systems that handle auto, home, commercial, and specialty insurance through configurable rating engines. Add new product lines without rebuilding core infrastructure.
How do you handle fraud detection and claims automation?
We implement ML algorithms that analyze claims patterns, cross-reference multiple data sources, and flag suspicious activity. Legitimate claims process automatically while potential fraud gets escalated.
What security measures do you use for customer data?
We follow SOC 2 Type II standards, implement end-to-end encryption, and ensure PCI DSS compliance for payment processing. Customer data remains secure while meeting regulatory requirements.
Ready to have a conversation?
We’re here to discuss how we can partner, sharing our knowledge and experience for your product development needs. Get started driving your business forward.
