Submissions in every format
Broker submissions arrive as emails, PDFs and spreadsheets in different layouts, and underwriting assistants re-key them before anyone can quote.
Insurance & insurtech
AI & Software Development for UK Insurance
We help brokers, MGAs, insurers and claims teams replace re-keying and email chains with portals, workflows and document AI — connected to the policy, claims and rating systems you already run, with people deciding claims and underwriting referrals.
- Built around your policy and claims systems
- Handlers make every claims decision
- Document AI measured on your own files
Industry challenges
Why insurance work still runs on email.
Core policy systems do their job. The friction sits between them: submissions, bordereaux, claims documents and broker questions passed around by email and spreadsheet.
Worth fixing first
- Submission intake that turns emails into structured risk data
- Bordereaux checked before the data reaches your systems
- Digital claims reporting with photos, documents and updates
- Broker portals for quotes, documents and claim status
Bordereaux by spreadsheet
Coverholders and MGAs send premium and claims bordereaux in their own formats, and someone cleans, checks and chases them every month.
Claims buried in documents
Claim forms, photos, invoices, engineer and medical reports all need reading before a handler can act, and the key facts are scattered across them.
Core systems that resist change
Older policy administration and claims platforms turn every new product, portal or data feed into a long project with the vendor.
Fair value needs data
Consumer Duty expects insurers and distributors to evidence fair value and good outcomes, including at claim time — which needs data many firms do not yet capture.
Brokers waiting on answers
Without self-service, brokers phone and email for quotes, documents and claim updates, and the questions land on your busiest people.
Solutions
What we build for insurance.
Portals, workflows and data tools around your core platforms — new products and journeys without replacing the policy administration system first.
Claims and FNOL journeys
Web and mobile claim reporting with photos, documents and live status updates, feeding your claims system instead of a shared inbox.
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Broker and customer portals
Quote, buy, amend, renew and download documents online, with each broker seeing only their own clients and business.
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Bordereaux and delegated authority tools
Validate, map and reconcile premium and claims bordereaux from coverholders and MGAs, and send errors back before the data reaches your systems.
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Document capture and routing
Extract the fields that matter from claim forms, invoices, engineer reports and broker submissions, and route each document to the right queue.
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Policy and rating integrations
Connect portals and workflows to your policy administration, claims and rating systems, and to third-party data providers, through their APIs.
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Outcomes and MI dashboards
Claims, complaints, cancellations and renewal data in one place, supporting Consumer Duty monitoring and fair value reviews.
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AI use cases
Practical AI for insurance teams.
AI that reads, extracts and prepares, so handlers and underwriters spend their time on judgement. Decisions on cover, claims and price stay with people and your rules.
Claims intake and triage
Summarise a new claim, surface the relevant policy wording and suggest a route — fast track, loss adjuster or specialist handler — for a handler to confirm.
Document extraction
Turn ACORD-style forms, repair invoices, engineer and medical reports into structured data, flagging any field the model is unsure about for a person to check.
Submission preparation
Turn broker emails, schedules and claims histories into a structured risk record, check it against your appetite and list the gaps for the underwriter to chase.
Policy wording assistant
Answer questions about wordings, schedules and endorsements with citations to the clause. Anything that sounds like a claim, a complaint or advice goes to a person.
File review support
Check closed claim files against your quality checklist — contact, reserves, letters, timescales — and surface the files a reviewer should read in full.
Fraud indicators for review
Flag inconsistencies such as mismatched dates or details repeated across claims for your fraud team to investigate. Indicators never decline a claim on their own.
Technology & integration
Integration first, not replacement.
Most insurance software work is integration. We connect to policy, claims and rating platforms through their APIs and data feeds, and confirm in discovery what each vendor allows.
Core insurance systems
Policy administration APIsClaims system APIsRating engine integrationDocument production
Data exchange
Bordereaux import and mappingSecure file transferWebhooks and event queuesValidation rules
Applications
Next.js and ReactReact Native and FlutterNode.js and PythonC# and .NET
Documents and AI
OCR and document extractionLLMs with retrieval (RAG)Classification modelsEvaluation sets
Hosting
AWS, including UK regionsDocker and KubernetesEncrypted storage and backupsInfrastructure as code
Payments and communications
Stripe card paymentsDirect Debit via your providerSMS and email updatesE-signatures
Security & data
How we handle policyholder data.
Claims files can hold health, criminal conviction and financial details. These are the practices we build in by default.
Access that follows authority
Brokers, coverholders, handlers and underwriters see only the business their role or delegated authority covers, and every access change is logged.
Sensitive data kept separate
Medical reports and conviction details are restricted, minimised and redacted before AI processing wherever the use case allows.
Decision audit trails
Every reserve, referral, approval and override recorded with who and why, so a decision can be explained to a customer, a capacity provider or the Financial Ombudsman Service.
People decide claims
AI suggests routes and summaries; handlers confirm them. We do not build systems that decline claims or refuse cover automatically.
Encryption, hosting and backups
Data encrypted in transit and at rest, hosted in UK regions when your contracts or policies call for it, with backups tested by restoring them.
Ready for audit
Data flows, controls and supplier documentation prepared for your DPO, your compliance team and the audits your capacity providers carry out.
We are a software development company, not a regulator, compliance consultancy or claims adviser. We build to the requirements your compliance, underwriting and legal teams set — Consumer Duty, delegated authority agreements, UK GDPR — and provide the technical evidence they ask for. Regulatory and contractual sign-off stays with your firm.
How we work
How an insurance project runs with us.
Seven stages, the same on every project. The length of each one changes with the work; skipping one never saves time for long.
- 01
Discovery
We map the journey across every party — customer, broker, MGA, insurer and claims handler — and check early what your core systems allow and what your delegated authority agreements require.
Journey map and integration constraints
- 02
Strategy
We agree what to build first and what to leave out, pick the engagement model, and set milestones with a budget range in pounds.
Scoped first release and estimate
- 03
UX & architecture
Journeys designed for good outcomes: clear information at quote, renewal and claim, no unnecessary hurdles when customers cancel or claim, and support for customers in vulnerable circumstances.
Tested journeys and an outcomes checklist
- 04
Development
Two-week sprints with a demo at the end of each, code review on every change, and a staging environment your team can use.
Working software every sprint
- 05
Testing
Integration tests with realistic policy, claim and bordereaux data, edge cases included, and AI extraction measured against documents your handlers have already checked.
Test evidence and accuracy results
- 06
Launch
Production deployment with monitoring, backups and a rollback plan, followed by a handover of code, credentials and documentation.
A live, documented product
- 07
Optimisation & support
After launch we fix, measure and improve — a support retainer, a roadmap of next features, or a clean handover to your own team.
Support plan or handover
FAQs
Questions we get asked.
Straight answers on scope, cost, timelines and how we work. If yours is not here, ask us directly.
Can you integrate with our policy administration or claims system?
Usually, through the vendor’s APIs, data feeds or file exchange. Some platforms need the vendor involved for any new interface, so we check what is available during discovery and design around it before you commit to a build.
Can you build tools for MGAs and Lloyd’s coverholders?
Yes — the software, not the underwriting. We build portals, bordereaux tooling and reporting for businesses working under delegated authority, including mapping data to the formats your capacity providers require, such as Lloyd’s coverholder reporting standards where they apply. Your binding authority agreements set the obligations; we build to them.
Can AI make claims decisions?
We do not build it to. AI can summarise a claim, extract details, spot missing documents and suggest a route, but a handler decides on cover, reserves and settlement. That keeps decisions explainable to customers and the Financial Ombudsman Service, and avoids the automated decisions UK data protection law restricts.
How does Consumer Duty affect our digital journeys?
It shapes the design: clear information at quote and renewal, fair value, claims and cancellations without unnecessary barriers, and support for customers in vulnerable circumstances. We build journeys and management information that help you monitor and evidence outcomes; your compliance team judges whether they are good.
Can you automate bordereaux processing?
Yes. We build tools that take in bordereaux in each coverholder’s own layout, map them to your standard, validate every row and send errors back to the sender before the data reaches your systems — with a record of what changed and who approved it.
Can you extract data from claims documents and forms?
Yes — claim forms, repair invoices, engineer and medical reports, and ACORD-style submission forms. Every extracted field links back to where it came from, low-confidence fields go to a person, and accuracy is measured on your own documents before go-live.
Should we replace our policy administration system?
Not necessarily. Replacing a core system is a long, high-risk programme. Often the better first step is a portal, workflow or data layer around it that delivers the new journey now and makes a later migration easier. You will get an honest view during discovery.
How much does insurance software development cost?
It depends on the journey, the integrations and the data. A discovery sprint starts from £2,000; a first release — a FNOL journey, broker portal or bordereaux tool, for example — is then quoted at a fixed price with milestone billing. Vendor and data-provider fees are separate, and we flag them early.
Start a project
Working on claims, broker or underwriting software?
Tell us which journey you want to change and which systems are involved. We will come back with the questions that matter — including the ones about data and delegated authority — and a sensible first step.
What happens next
- 1A senior engineer reads your brief within one working day, and replies with questions or a first view.
- 2A 30-minute call to understand the goal, constraints and what good looks like — no sales script.
- 3A written proposal with scope, milestones, team and a GBP estimate you can take to your board.
Techsleight Labs is a trading name of Krapton IT Consultancy.
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