27 problems insurtech startups bring us, each with the cause, what it costs and what we build to fix it.
Insurtech startups see quotes that never bind and cannot tell why. We track each step of the quote and bind journey, find where it breaks, and build follow-up.
Insurtech underwriting referrals land in an inbox with no context. We build a referral queue with risk details, rule reasons and decisions back to the quote.
Insurtech MGAs build broker portals that brokers bypass by email. We find what the portal cannot do and fix it, so quotes and changes come in through it.
Insurtechs hit policy admin system limits and patch them with spreadsheets. We build around the gaps with services and connectors, before a costly replacement.
Insurtech claims first notification arrives by phone, email and app with missing details. We build one intake that asks the right questions and routes claims.
Insurtech MGAs build monthly bordereaux for capacity providers by hand from system exports. We automate extraction, mapping and checks before they go out.
Insurtech pricing teams wait for engineers to change rating tables in code. We build a rating service where pricing can change, test and schedule rates safely.
Insurtech customers contact support for policy changes the app should handle. We build self-serve changes with re-rating, documents and referral routing.
Insurtech policy documents go out with old wordings or wrong details. We build versioned templates, wording control and checks before documents are issued.
Insurtech MGAs get claims data from a TPA that does not match their policy records. We build a claims feed with matching, checks and a clean combined view.
Insurtech monthly premium payments fail and get chased by hand. We build a failed instalment flow with retries, messages and cancellation steps per your rules.
Insurtech cancellations mean manual return premium sums, refunds and notices. We build a cancellation flow that calculates, refunds and records by your rules.
Insurtech renewal runs produce invites that need manual checks and fixes. We build a renewal pipeline with pre-run checks, referral routing and clean invites.
Insurtech MGAs spend weeks gathering files for capacity provider audits. We build a policy and claims file record so audit samples are quick to pull.
Each embedded insurance partner integrates differently, so insurtechs rebuild the plumbing every time. We build one partner API with a sandbox and docs.
Insurtech pricing teams wait for engineers to export quote data. We build a quote data store with rating factors, outcomes and claims, ready for analysis.
Insurtech claims handlers chase photos, receipts and reports by email. We build a claimant upload link with reminders and document checks per claim type.
Insurtech claims are allocated to handlers by a team lead reading each one. We build triage rules and a queue that routes by type, value and handler skill.
Insurtech complaints reach partners, brokers and claims administrators first and get logged in their systems. We build one complaints record fed by all of them.
Insurtech support teams search wordings and policy data to answer cover questions. We build an agent assistant that quotes the customer's own wording.
Insurtech MGAs build loss ratio and portfolio MI for capacity providers by hand each quarter. We build a reporting model with defined measures and packs.
Insurtechs calculate partner and broker commission in spreadsheets each month. We build a commission engine with statements, clawbacks and payment exports.
Insurtech premium collected rarely matches policy records or amounts due to capacity providers. We build a three-way premium reconciliation with clear breaks.
Insurtech quote journeys break when address, vehicle or property lookups fail, and lookup bills rise. We build lookup handling with caching and fallbacks.
Insurtech claims stall waiting for emailed updates from repairers and adjusters. We build a supplier portal and updates that post straight to each claim.
Insurtechs moving to a new policy admin system risk wrong premiums, renewals and documents. We plan and build a staged book migration with parallel checks.
Insurtech MGAs set up new broker agencies with emails, forms and manual system setup. We build a broker onboarding flow for checks, terms, users and access.