Custom insurance broker software development
Appfront builds custom software for insurance brokers and managing general agents: policy management, commission and collection administration, claims reporting, client files and commercial insurance in a portfolio that suits the way you work. We align with your underwriting and management processes, your cooperation with insurers and binding authorities, and the requirements around duty of care and file keeping. For insurance intermediaries who want control over their portfolio without being tied to a standard package.
What is insurance brokerage software?
Insurance brokerage software supports the full work of the broker or managing general agent: creating and managing policies, maintaining client and relationship files, processing claims, and administering commission and collections. Everything revolves around oversight of the portfolio and a demonstrably careful approach to the client.
Standard packages for brokers often force your firm into a fixed setup that doesn't fit your business mix, your binding authorities or your cooperation with insurers. Custom software follows your own underwriting, management and claims processes and can grow with you when you add a new line of business or binding authority. This avoids shadow administration in loose spreadsheets and keeps the portfolio complete.
This page focuses specifically on software for the intermediary and the mandated underwriting agency. Are you building for an insurer or for the production process of insurance products? Then see our insurance software. If you want to automate repetitive work, look at AI for insurance intermediaries. Read more about our broader approach at custom software development.
Portfolio in order
Policies, clients, insurers and binding authorities in one coherent system. Advisers work from one place and keep track of renewals, mutations and expiring cover, without retyping data from loose files.
Commission and collections in order
Commission bookings, collections and settlements with insurers are tracked and checked, so differences become visible and your administration matches what has actually been received and paid.
Demonstrable duty of care
Advice moments, file documents and communication are recorded, so you can demonstrate that you advised carefully and informed the client in good time.
How we build your insurance brokerage software
We work step by step and involve your advisers, back office and administration early in the process. From a thorough exploration of your portfolio, lines of business and binding authorities through to go-live and ongoing management, every step aims at software your team understands and trusts.
We map out your portfolio mix, mandates, underwriting and claims processes, and the integrations required. Together we determine which functionality matters most and the order in which we build it.
We design the data model for policies, relationships and commission, plus the authorisation model and the approach to integrations with insurers and accounting.
We build in short iterations with automated testing and monitoring. You see working versions along the way and help steer priorities and alignment with day-to-day practice.
Controlled go-live with data validation and migration of existing portfolio data, followed by ongoing management and further development.
What insurance brokerage software does in practice
We tailor every application specifically to your lines of business, binding authorities and way of working. Below are the features we most often deliver for brokers and managing general agents.
Policy and contract management
Creating, amending and renewing policies by line of business, including cover, premiums and terms. Changes remain traceable, and the client keeps an up-to-date overview of their insurances.
Commission and collections administration
Recording of commission, trail commission and collections, with settlements to insurers and flagging of discrepancies, so your financial picture stays accurate.
Claims notifications
Intake and follow-up of insurance claims, with status monitoring, communication with the client and insurer, and a complete claims file for each policy.
Client and relationship records
A central record for each relationship with contact details, policies, advice moments and documents, so every team member works from the same current picture.
Binding authority and underwriting
Support for the underwriting process under binding authority, with underwriting rules, underlying risk data and a traceable record of decisions.
Reporting and portfolio insight
Management information on portfolio size, renewals, claims costs and commission, so you can make well-founded decisions about lines of business, insurers and growth.
Who we build insurance broker software for
Insurance intermediation takes several forms, each with its own set-up. For each of these we build software that suits their role and their working relationship with insurers.
Insurance intermediaries
Brokers who arrange general, life and income protection insurance and need control over their portfolio, commission and duty of care.
Managing agents
Authorised agents who underwrite and manage policies under binding authority, needing underwriting rules, claims handling and accountability to the binding authority providers.
Financial advisory firms
Firms that combine insurance with mortgage and financial advice and want an integrated client record across the different advisory areas.
Specialist brokers
Brokers with a specific niche, such as transport, commercial or agricultural, who manage a portfolio with their own cover and underwriting questions.
Test your idea first: a working prototype in 1 day
With OneDayBuild, we turn your idea into something tangible in one day for €1,150, so you can see whether further development is worth the investment. Decide to go ahead with the full build? Then we credit the full cost.
Explore OneDayBuild →Technology and integrations
We build on a modern, maintainable web stack and integrate where needed with the systems you already use. For an insurance agency, this often means integrations with insurers, your accounting and communication channels with clients. Read more about our way of working at custom software development.
For a renewal based on accurate data, see our app for policy renewals in policy administration.
If you want to record the duty of care at the table and through the client themselves, see our app for the duty of care file.
If you want clients to report claims with photos and view the status, see our app for claims notification and status.
To demonstrably evidence the duty of care, with advice recording and periodic checks, there is our duty of care file software for insurance intermediaries.
Why choose Appfront for your insurance broker software?
Appfront builds custom software and always starts with a thorough analysis of your portfolio, lines of business and processes. Software for an insurance intermediary must not only be technically correct, but also match the care and accountability your profession demands.
We write clear documentation and deliver transparent code, so your own team or a future supplier can understand and manage the software. No black box, but clear agreements on data model, integrations, authorisation and management.
You work with a fixed point of contact who understands both the technology and the practice of intermediation. This keeps lines of communication short and speeds up decisions during the build.
Also see our insurance software and AI for insurance intermediaries. Questions? Get in touch with us.
- Custom software for insurance intermediaries and underwriting agencies
- Portfolio, commission and claims in one system
- Attention to duty of care and file documentation
- Integrations with insurers and accounting
- Role-based authorisation and audit logging
- Migration of existing portfolio data
- Clear documentation your team can manage
- A fixed point of contact, no account managers passed around
- Ongoing maintenance and further development
- A way of working aligned with your existing IT landscape
Security and privacy in insurance brokerage software
An insurance brokerage handles sensitive data: personal details, financial circumstances and, at times, health or claims data. That is why we build in privacy by design and data minimisation from the architecture onwards, with a documented legal basis for each data flow and access based on role and necessity.
We build in line with the GDPR and the OWASP security standards, with encryption in transit and at rest, role-based access and rigorous logging of access and changes. This way, it remains demonstrably clear who has viewed which client file, and you keep control over your accountability.
You can read more about our approach to security in our information security policy. Discuss your situation with no obligation via our contact form.
- GDPR-compliant data processing and data minimisation
- A documented lawful basis for each data flow
- Encryption in transit (TLS 1.2+) and at rest
- Role-based access and least-privilege principles
- Separation of files by employee and role
- Complete audit logging of access and changes
- Built to OWASP security standards
- Documentation for your record of processing activities
Frequently asked questions about insurance brokerage software
Answers to the questions we are asked most often about custom software for insurance brokerages.
Insurance brokerage software supports the work of the intermediary or underwriting agency: policy management, client and relationship files, claims notifications, and the administration of commission and collection. Custom software lets you set this up around your own acceptance and management processes, rather than forcing you to adapt your way of working to an off-the-shelf package. This keeps your portfolio under control and enables you to advise carefully and demonstrably.
This page covers software for the intermediary and the underwriting agency, which mediates between client and insurer and manages a portfolio. Insurance software for insurers focuses on the product itself, such as underwriting, policy administration and claims handling at the risk carrier. The processes partly overlap, but the role and the data differ. If you are building for an insurer, see our insurance software instead.
We build custom software. Insurance intermediaries differ greatly in their mix of lines of business, mandates, and the way underwriting, administration and claims are set up. Custom software fits your actual process and can grow with you if you add a line of business or a mandate. After an intake meeting, we decide together which functionality matters most, without promising a fixed timeline or price that we cannot yet justify.
Integrations are often needed with insurers for policy and claims data, with your accounting system for commission and collection, and with communication channels towards clients. We build these integrations to measure and set them up with data minimisation, so that only the data needed for the process is exchanged.
Yes. At go-live we carry out a controlled migration of your existing portfolio data, with data validation and a safety net. We also regularly take over existing applications, review architecture, integrations and security, and modernise step by step towards a maintainable situation.
We record advice moments, file documents and communications, so you can demonstrate that you advised carefully. For privacy, we build in privacy by design and data minimisation from the architecture onwards, with a documented basis for each data flow, role-based access and rigorous logging. This way you demonstrably comply with the GDPR and keep control over who views which client file.
Ready to build your insurance brokerage software?
Tell us how your office is set up and where you run into problems, from policy management and commission to claims and duty of care. We are happy to think along about process, integrations and security. In a no-obligation first conversation you will get a clear picture of the possibilities for custom software that suits your portfolio.