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77 Listings in Insurance Available
bolttech is a global insurtech that operates an insurance exchange and embedded-protection technology, connecting insurers, distributors, and customers to make buying and selling insurance easier. Through its exchange and APIs, it powers embedded insurance and device-protection programs for banks, telcos, retailers, and platforms across many markets. The platform covers an insurance exchange connecting many insurers and products, embedded-insurance APIs and journeys, device and appliance protection programs, and quote-to-bind and claims technology, on B2B/B2B2C partnership pricing quoted by program and volume. Its exchange model and embedded-protection breadth across markets differentiate it. bolttech serves insurers, distributors, and enterprises, banks, telcos, retailers, and platforms, that want to embed insurance and protection into their offerings, and their end customers. Its exchange, APIs, and global reach make it a leading embedded-insurance technology provider.
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What is Bold Penguin? Bold Penguin is commercial insurance exchange software offering a commercial insurance exchange and quoting platform for small business insurance. Based in Columbus, Ohio, USA, Bold Penguin helps agents and carriers work more efficiently and achieve better outcomes. Key features of Bold Penguin Multi-carrier quoting Submission intake Agent workflows Carrier APIs Analytics and reporting Integrations with Salesforce, Applied Epic, Vertafore and more Who uses Bold Penguin? Bold Penguin is built for agents and carriers. It suits teams that want multi-carrier quoting without spreadsheets and disconnected tools. Why choose Bold Penguin? Compared with alternatives like Tarmika, Bold Penguin differentiates on multi-carrier quoting. Pricing is quote-based and scoped to your usage and team size.
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Saaskart Market Grid™
Explore how leading Insurance solutions compare based on customer satisfaction, market presence, adoption, and buyer feedback. The Market Grid helps you identify category leaders, high-performing solutions, and emerging products within the Insurance ecosystem.
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OneShield Policy
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Lemonade
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Tech stacks
See where insurance fits in a complete stack, with the other software, AI agents and services each business needs.
PolicyBazaar is India's largest insurance marketplace, letting consumers compare, buy, and manage insurance policies, health, life, motor, travel, and more, from many insurers in one place. It provides quotes, comparisons, advisory, and claims support, and offers insurers and businesses a large digital distribution channel, with a group entity also serving corporate and SME insurance. The platform covers insurance comparison and quotes across categories, online policy purchase and renewals, claims assistance and advisory, and business and group insurance, with a free-to-use consumer model (PolicyBazaar earns commissions from insurers) and business solutions quoted. Its scale, insurer breadth, and comparison-first model differentiate it in Indian insurtech. PolicyBazaar serves Indian consumers comparing and buying insurance, and insurers and businesses seeking digital distribution and group cover. As the leading Indian insurance marketplace, its comparison, reach, and advisory make it a major insurtech platform.
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Zopper is an insurtech platform providing the infrastructure for banks, NBFCs, brands, and retailers to embed and distribute insurance at the point of sale and within their products. Its API-led platform covers device protection, extended warranty, and a range of insurance lines, plus retail SaaS roots that help partners sell and service policies seamlessly. Zopper enables partners to launch insurance programs quickly without building carrier integrations. Pricing is partnership- and volume-based (quote).
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What is AgentSync? AgentSync is producer licensing compliance software offering producer licensing, onboarding and compliance software for carriers, MGAs and agencies. Founded in 2018 and based in Denver, Colorado, USA, AgentSync helps carriers, MGAs and agencies work more efficiently and achieve better outcomes. Key features of AgentSync License verification Appointments Onboarding Compliance monitoring Analytics and reporting Integrations with Salesforce, Applied Epic, Vertafore and more Who uses AgentSync? AgentSync is built for carriers, MGAs and agencies. It suits teams that want license verification without spreadsheets and disconnected tools. Why choose AgentSync? Compared with alternatives like Sircon, AgentSync differentiates on license verification. Pricing is quote-based and scoped to your usage and team size.
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What is AgencyZoom? AgencyZoom is insurance agency management software offering a sales and service automation platform that boosts lead conversion and retention for agencies. Founded in 2017 and based in Charlotte, North Carolina, USA, AgencyZoom helps agencies focused on sales performance and retention manage policies, clients, servicing and sales in one platform. Key features of AgencyZoom Sales pipeline and lead management Onboarding and retention automation Goal tracking and gamification Reporting and dashboards Carrier connectivity Reporting and integrations across your agency stack Who uses AgencyZoom? AgencyZoom is built for agencies focused on sales performance and retention. It suits agencies that want sales pipeline and lead management without manual processes and disconnected tools. Why choose AgencyZoom? Compared with alternatives like Better Agency, AgencyZoom differentiates on sales pipeline and lead management. Pricing is quote-based and scoped to your users and agency size.
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What is Better Agency? Better Agency is insurance agency management software offering an AMS and CRM built around automation to help agencies sell and retain more. Founded in 2019 and based in Draper, Utah, USA, Better Agency helps growth-focused insurance agencies manage policies, clients, servicing and sales in one platform. Key features of Better Agency AMS and sales CRM Automation and follow-up Quote and cross-sell tools Reporting and pipeline Carrier connectivity Reporting and integrations across your agency stack Who uses Better Agency? Better Agency is built for growth-focused insurance agencies. It suits agencies that want AMS and sales CRM without manual processes and disconnected tools. Why choose Better Agency? Compared with alternatives like AgencyZoom, Better Agency differentiates on AMS and sales CRM. Pricing is quote-based and scoped to your users and agency size.
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What is Zywave? Zywave is insurance agency platform software offering an insurance platform for agencies with sales enablement, client service content, data and cyber risk tools. Founded in 1995 and based in Milwaukee, Wisconsin, USA, Zywave helps insurance agencies and carriers work more efficiently and achieve better outcomes. Key features of Zywave Agency sales enablement Client HR and compliance content Insurance data and analytics Cyber risk modeling Analytics and reporting Integrations with Guidewire, Duck Creek, Salesforce and more Who uses Zywave? Zywave is built for insurance agencies and carriers. It suits teams that want agency sales enablement without spreadsheets and disconnected tools. Why choose Zywave? Compared with alternatives like Applied Epic, Zywave differentiates on agency sales enablement. Pricing is quote-based and scoped to your usage and team size.
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InsuranceDekho is an Indian insurance comparison and distribution platform that lets consumers compare and buy motor, health, life, and other insurance, and empowers a large network of advisors and point-of-sale partners to sell policies. It combines a consumer marketplace with a strong advisor-led distribution model, especially in smaller towns, plus claims support. The platform covers insurance comparison and purchase (motor, health, life, travel), advisor and POSP distribution tools, renewals, and claims assistance, on a free-to-use consumer model (commissions from insurers) with advisor tools that let partners earn. Its advisor-driven distribution across India, including tier-2/3, differentiates it. InsuranceDekho serves Indian consumers comparing and buying insurance, and advisors and entrepreneurs who want to sell insurance. Its comparison, advisor network, and distribution reach make it a leading insurtech platform in India.
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What is Hi Marley? Hi Marley is insurance conversational platform software offering an SMS-based conversational platform connecting insurers, policyholders and partners during claims. Founded in 2017 and based in Boston, Massachusetts, USA, Hi Marley helps P&C insurance carriers work more efficiently and achieve better outcomes. Key features of Hi Marley Claims texting AI message insights Multi-party conversations Translation Analytics and reporting Integrations with Guidewire, Duck Creek, Salesforce and more Who uses Hi Marley? Hi Marley is built for P&C insurance carriers. It suits teams that want claims texting without spreadsheets and disconnected tools. Why choose Hi Marley? Compared with alternatives like Snapsheet, Hi Marley differentiates on claims texting. Pricing is quote-based and scoped to your usage and team size.
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Lemonade is a US AI-powered insurance company offering renters, homeowners, pet, car, and life insurance through a fast, app-based experience. Using AI bots for quotes and claims and a flat-fee business model, it aims to make buying insurance and getting paid on claims fast and transparent, appealing especially to younger, digital-first customers. The platform covers renters and homeowners insurance, pet insurance, car insurance, and term life, with instant app-based quotes, AI claims (some paid in seconds), and a giveback program, on premiums that vary by product and profile (renters insurance starting as low as around $5 per month, averaging in the teens). Its AI-driven experience and flat-fee model differentiate it from traditional insurers. Lemonade serves US consumers, especially renters and younger, digital-first customers, who want fast, app-based insurance and claims. Its AI experience, low entry premiums, and multi-product coverage make it a leading insurtech insurer.
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What is Sapiens? Sapiens is insurance core systems software offering core systems, data and digital software for P&C, life and reinsurance carriers. Founded in 1982 and based in Holon, Israel, Sapiens helps insurance carriers worldwide work more efficiently and achieve better outcomes. Key features of Sapiens Policy, billing and claims suites Life and annuity platforms Reinsurance Insurance analytics Analytics and reporting Integrations with Guidewire, Duck Creek, Salesforce and more Who uses Sapiens? Sapiens is built for insurance carriers worldwide. It suits teams that want policy, billing and claims suites without spreadsheets and disconnected tools. Why choose Sapiens? Compared with alternatives like Guidewire, Sapiens differentiates on policy, billing and claims suites. Pricing is quote-based and scoped to your usage and team size.
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Insurance software helps insurers, agencies, and insurtech companies manage policies, claims, underwriting, and customer relationships across the insurance lifecycle. This guide explains what insurance software is, the main types (policy administration, claims, agency management, underwriting), how it works, and how to choose the right platform.
Insurance software helps insurers, agencies, and insurtech companies manage policies, claims, underwriting, and customer relationships across the insurance lifecycle. This guide explains what insurance software is, the main types (policy administration, claims, agency management, underwriting), how it works, and how to choose the right platform.
Insurance software is the technology that runs the insurance business, quoting, underwriting, issuing and administering policies, processing claims, managing agents and customers, and ensuring regulatory compliance. It spans core systems for carriers, agency management for brokers, and insurtech platforms modernizing the industry.
The purpose is to automate and streamline complex, regulated insurance workflows that were long run on legacy mainframes and paper. Modern insurance software digitizes quoting and underwriting, speeds claims, improves the customer and agent experience, and provides the data and compliance controls insurers need.
The category includes policy administration systems (PAS), claims management, underwriting and rating engines, agency management systems, distribution and quoting platforms, and customer/broker portals. Insurers and agencies adopt it to reduce cost, accelerate operations, manage risk, and compete with digital-first insurtechs.
Insurance software manages the policy lifecycle: a prospect gets a quote from a rating engine, an underwriter assesses risk and prices the policy, the policy is issued and administered in the PAS, premiums are billed, and any claims are handled in a claims system, all under regulatory and compliance rules.
Core components include rating and quoting, underwriting workflows, policy administration, billing, claims management, agency/broker management, and portals for customers and agents. These integrate with third-party data (risk, credit, telematics), payment systems, and regulators for reporting.
For example, an auto insurer might quote a customer online using a rating engine and third-party data, underwrite and issue the policy in the PAS, bill premiums automatically, and, if there is an accident, let the customer file a claim through an app that routes it through automated and adjuster review to fast payout, with everything logged for compliance.
Manages the full policy lifecycle, issuance, endorsements, renewals, and cancellations, as the core system of record. A modern PAS is the backbone of a carrier; it determines how quickly products launch and how efficiently policies are serviced.
Handles the end-to-end claims process from first notice of loss through adjudication and payment. Efficient, fair claims handling drives customer satisfaction and controls loss and expense ratios, the heart of insurance profitability.
Assess risk and price policies using rules, data, and increasingly AI. Strong underwriting and rating are what balance growth against risk and let insurers price accurately and competitively.
For agencies, manages clients, policies across carriers, commissions, renewals, and servicing. Agency management systems are the operational hub that keeps brokers efficient and compliant.
Self-service quoting and portals for customers and agents streamline sales and servicing. Digital distribution meets modern expectations and expands reach across channels.
Regulatory reporting, audit trails, encryption, and access controls protect sensitive data and satisfy regulators. Compliance is non-negotiable in a heavily regulated industry.
Automating quoting, underwriting, and policy servicing cuts cycle times and lets insurers and agencies handle more volume efficiently.
Digital, automated claims speed payouts and improve customer satisfaction while controlling costs.
Data-driven underwriting and rating price risk more precisely, protecting loss ratios and competitiveness.
Self-service quoting and portals expand reach and make it easier for agents and customers to do business.
Built-in regulatory reporting, audit trails, and security reduce risk in a heavily regulated industry.
| Type | Best for | Ideal size | Pros | Limitations |
|---|---|---|---|---|
| Policy administration systems (PAS) | Core policy lifecycle for carriers | Insurers of all sizes | System of record; enables product launches and servicing | Core replacements are complex projects |
| Claims management systems | End-to-end claims handling | Carriers and TPAs | Speeds claims and controls loss/expense | Must integrate with PAS and data sources |
| Underwriting & rating software | Risk assessment and pricing | Carriers and MGAs | Accurate, faster, data-driven pricing | Depends on quality data and models |
| Agency management systems (AMS) | Managing clients and policies for brokers | Agencies and brokerages | Operational hub for multi-carrier books | Different from carrier core systems |
| Insurtech & digital platforms | Modern, API-first quoting, distribution, and admin | Insurtechs and modern carriers | Fast, digital, customer-friendly | May need integration with legacy systems |
Property & Casualty (P&C): P&C insurers use PAS, rating, and claims systems for auto, home, and commercial lines.
Life & Health Insurance: Life and health carriers use policy admin and underwriting tailored to long-duration, regulated products.
Insurance Agencies & Brokers: Agencies use AMS to manage multi-carrier books, commissions, and client servicing.
Managing General Agents (MGAs): MGAs use underwriting and policy platforms to build and distribute programs.
Reinsurance: Reinsurers use specialized systems for treaty management, risk, and analytics.
Insurtech Startups: Insurtechs build on API-first platforms to launch digital insurance products fast.
Commercial & Specialty Lines: Complex commercial risks require flexible rating, underwriting, and document handling.
Employee Benefits: Benefits providers and brokers manage group policies, enrollment, and administration.
Claims TPAs: Third-party administrators use claims systems to handle claims on behalf of carriers.
Match the software to whether you are a carrier, agency, MGA, or insurtech, and to your specific lines of business, since requirements differ sharply.
Assess how easily you can configure products, rates, and workflows without heavy IT, which determines how fast you launch and adapt.
Confirm connections to third-party risk data, payment systems, and other core systems, plus open APIs for a modern architecture.
Evaluate the depth of claims automation and underwriting/rating capabilities relevant to your products and risk appetite.
Verify regulatory reporting, audit trails, data security, and certifications appropriate to insurance and your jurisdictions.
Core insurance projects can be large; weigh vendor implementation track record, timelines, and modern vs legacy architecture.
Understand licensing (per policy, premium, or user), implementation cost, and how the platform scales with your book.
AI is reshaping insurance through automated underwriting that assesses risk from more data faster, and pricing models that are more accurate and dynamic.
In claims, AI accelerates first notice of loss, damage assessment (including from photos), fraud detection, and straight-through processing for simple claims, speeding payouts and cutting costs.
Generative AI assists agents and adjusters by drafting documents, summarizing policies and claims, and answering customer questions, while chatbots handle routine servicing.
Expect deeper automation across underwriting and claims, telematics and IoT-driven risk pricing, and agentic workflows, all under strict regulatory and fairness scrutiny. Prioritize vendors with explainable models and strong governance, since AI decisions about risk and claims carry regulatory and ethical weight.
Insurance software is the technology that runs the insurance business, quoting, underwriting, issuing and administering policies, processing claims, managing agents and customers, and ensuring regulatory compliance. It spans core systems for carriers (policy administration, claims, rating), agency management systems for brokers, and modern insurtech platforms. Its purpose is to automate the complex, regulated workflows that were long run on legacy mainframes and paper, digitizing quoting and underwriting, speeding claims, improving the agent and customer experience, and providing the data and compliance controls insurers require. Insurers and agencies adopt it to reduce cost, accelerate operations, manage risk more accurately, and compete with digital-first insurtechs.
A policy administration system is the core system of record for an insurance carrier, managing the full policy lifecycle, quoting, issuance, endorsements, renewals, cancellations, and billing. It stores all policy data and connects to rating, underwriting, claims, and billing functions. A modern PAS is the backbone of a carrier because it determines how quickly the insurer can launch new products, adjust rates, and service policies efficiently. Legacy PAS platforms are often rigid and costly, which is why many insurers are modernizing to configurable, API-first systems. When evaluating a PAS, prioritize configurability (launching products without heavy IT), integrations, and the vendor's implementation track record, since core replacements are significant projects.
Claims management software handles the end-to-end claims process, from first notice of loss (FNOL) through investigation, adjudication, and payment. It routes claims to the right adjusters, automates parts of the workflow, integrates with data and payment systems, and tracks everything for compliance and reporting. Efficient, fair claims handling is central to insurance because it drives customer satisfaction and directly affects loss and expense ratios, the core of profitability. Modern claims systems increasingly use AI for damage assessment, fraud detection, and straight-through processing of simple claims to speed payouts and cut costs. When choosing one, evaluate automation depth, integration with your policy system and data sources, fraud tools, and the customer-facing claims experience.
A policy administration system (PAS) is a carrier's core system for creating and servicing the insurance policies it underwrites, it manages the insurer's own products, rates, and policy lifecycle. An agency management system (AMS) is used by insurance agencies and brokers to manage their book of business across multiple carriers, tracking clients, the policies they hold from various insurers, commissions, renewals, and servicing tasks. In short, a PAS runs the insurer's products; an AMS runs the broker's client relationships and multi-carrier book. If you are a carrier or MGA, you need core systems like a PAS; if you are an agency or brokerage, you need an AMS built for distribution and client servicing.
There is no single best platform, the right insurance software depends on your role (carrier, agency, MGA, or insurtech), your lines of business, and your scale. A carrier needs core systems like policy administration, rating, and claims; an agency needs an agency management system; an insurtech needs a modern, API-first platform to launch digital products. Evaluate options on fit for your role and lines, configurability and speed to market, integrations with data and payment systems, compliance and security, and implementation track record. Because insurance projects can be large and regulated, shortlist vendors with proven results in your segment and check references from similar insurers or agencies before committing.
AI is transforming insurance across underwriting and claims. In underwriting, AI assesses risk from more data sources faster and prices policies more accurately and dynamically, including telematics and IoT signals. In claims, it accelerates first notice of loss, assesses damage from photos, detects fraud, and enables straight-through processing of simple claims, speeding payouts while cutting costs. Generative AI helps agents and adjusters draft documents, summarize policies and claims, and answer customer questions, while chatbots handle routine servicing. Because AI decisions about risk, pricing, and claims carry regulatory and fairness implications, prioritize vendors with explainable models, bias controls, and strong governance so automated decisions are accurate, compliant, and defensible.
Reputable insurance software is built for the industry's strict regulatory and security requirements, offering regulatory reporting, detailed audit trails, encryption, role-based access control, and data-residency options. Insurance is heavily regulated and varies by jurisdiction, so compliance capabilities are a core evaluation criterion. That said, compliance is shared: you must configure the software correctly and meet your own regulatory obligations. Before adopting any platform that handles policyholder data and financial transactions, verify its security certifications, how it supports the specific regulations in your markets, its audit and reporting capabilities, and its data-protection practices, since a breach or compliance failure in insurance carries serious financial and legal consequences.
Insurtech refers to technology-driven innovation in the insurance industry, startups and platforms using modern software, data, and AI to improve or reinvent how insurance is quoted, underwritten, distributed, and serviced. Insurtech spans digital-first insurers (carriers built on modern technology), API-first platforms that let companies embed or launch insurance products quickly, and tools that modernize underwriting, claims, and distribution for traditional insurers. The goal is faster, more customer-friendly, data-driven insurance. For established insurers and agencies, insurtech platforms offer a way to modernize legacy operations and compete on experience; for new entrants, they provide the infrastructure to launch products without building core systems from scratch.
