Underwrite. Automate. Settle.
Insurtech Development & Claims Automation
Build underwriting workbenches, claims triage, fraud detection models, and policy admin systems. Faster FNOL‑to‑payout, lower loss ratios, and tight regulatory reporting across UK, US, Nigeria, Kuwait, Qatar, Luxembourg, Spain, Switzerland.
ZagaTech builds API-first policy and claims platforms with FNOL, pricing/underwriting engines, and compliant audit—reducing cycle time and leakage.
From Manual Claims to Straight‑Through Processing
Slow FNOL
→ Streamline digital intake with automated validation and intelligent triage to reduce errors, accelerate processing, improve accuracy, and enhance customer experience across service workflows.
Leakage
→ Strengthen digital intake with fraud scoring and a dynamic rules engine to detect risks earlyreduce disputes, rules engine and ensure secure, compliant customer onboarding.
Opaque Pipelines
→ Automate workflows and enforce SLAs with detailed audit trails to improve compliance,increase transparency, enhance accountability, and ensure operational excellence across business processes.
Regulatory Risk
→ Deliver automated reporting packs with secure record retention to improve compliance, streamline audits, enhance transparency, and ensure long-term data governance across business operations.
From Quote to Claim
Modern Insurance Software Development, Built to Scale
Insurance Software (Quotes, Policy Admin, Claims) We engineer insurance systems that unify policy, billing, and claims with triage automation, fraud detection, and regulatory reporting. Our approach favors composable services, event‑driven workflows, and an analytics layer your actuaries and adjusters trust.
Whether you need a new underwriting workbench, claims system modernization, or ORSA/Solvency reporting, we deliver reductions in cycle time and loss ratio.
Modern insurance isn’t just about technology—it’s about growth. ZagaTech builds scalable insurance platforms that empower carriers, MGAs, and brokers to launch new products faster, reduce operational costs, and deliver exceptional customer experiences.
With AI-powered risk assessment, automated underwriting, and digital claims journeys, we help insurers create smarter workflows that delight policyholders and improve retention. Our platforms are designed for multi-carrier, multi-region expansion, ensuring you can adapt to changing regulations, scale globally, and stay ahead of market disruption.
Insurance Ops Maturity Check
Level: Repeatable
Solutions for Insurers & MGAs
Risk Selection
Underwriting Workbench
- Streamline broker submissions with automated intake and intelligent deduplication.
- Enhance risk assessment with external data enrichment and predictive scoring.
- Apply automated rating rules with referral workflows for efficiency.
- Manage policy bind, endorsements, and renewals with streamlined workflows.
# rating rule (example)
if risk_country in ['UK','US'] and loss_free_years >= 3:
rate *= 0.96Faster Payouts
Claims Triage & Straight‑Through Processing
FNOL Validation
Capture and validate documents, images, and geo-checks at intake to streamline onboarding, reduce fraud risks, improve compliance, and accelerate customer verification processes.
Rules & Routing
Automate severity assessment, run cover checks, and enforce SLA timers to improve claims accuracy, reduce delays, and ensure compliance-driven service delivery.
STP Paths
Auto-approve low-risk claims with built-in audits to accelerate processing, reduce manual effort, ensure compliance, and maintain accuracy in insurance claims management.
Loss Control
Fraud Detection & Anomaly Signals
- Analyze graph features across entities and devices to detect patterns.
- Leverage behavioral and text signals from FNOL to detect fraud.
- Enable model monitoring with drift detection and threshold alerts for accuracy.
- Enable human review with detailed case notes to ensure accuracy.
# simple anomaly threshold
fraud_flag = 1 if score >= 0.82 else 0Core Systems
Policy Admin, Billing & Reporting
- Premium calculations, endorsements, cancellations
- Billing schedules, dunning, payouts & bordereaux
- ORSA/Solvency II, IFRS 17, NAIC reporting packs
Security & Compliance
Recent Insurance Outcomes
Auto — UK
FNOL + STPCycle time ↓ 28%
Health — Qatar
Fraud scoringLeakage ↓ 17%
P&C — US
Reg reportingClose rate ↑ 9%
Engagement Models
Sprint
Validate FNOL processes or triage rules in just 6–8 weeks, ensuring faster claims handling, compliance, improved accuracy, and reduced operational costs.
Fixed Scope
Empower insurers with a modern underwriting workbench or claims module to streamline operations, improve risk assessment, enhance compliance, and deliver faster, more accurate policy and claims decisions.
Team Extension
Senior engineers embedded with KPIs ensure accountability, deliver measurable results, align technical execution with business goals, and drive consistent, high-quality project outcomes.
Claims ROI Calculator
ROI: —
Payback: —
Insurance FAQs
How long to ship a claims module?
Pilot FNOL + triage ships in 6–10 weeks; STP paths and fraud models follow in phases.
Do you integrate with core systems?
Yes—Guidewire, Duck Creek, and custom policy/claims platforms via APIs and events.
How do you manage PII?
Tokenization, least‑privilege access, encryption in transit/at rest, and immutable audit logs.
Which regions do you cover?
UK, US, Nigeria, Kuwait, Qatar, Luxembourg, Spain, and Switzerland with locale‑ready tax and reporting.
Accelerate FNOL‑to‑Payout
Book a discovery session—triage rules, fraud scoring, and regulatory plan in a week.
ZagaTech builds insurtech platforms for underwriting, claims automation, fraud detection, and policy administration for carriers, MGAs, and TPAs in the UK, US, Nigeria, Kuwait, Qatar, Luxembourg, Spain, and Switzerland. We focus on cycle time, loss ratio, and compliant reporting.
Our Dev Stack
Frontend
- HTML/CSS
- Angular Js
- React Js
- Vue Js
BackEnd
- .NET
- Java
- Python
- Node.Js
BackEnd
- C/C++
- Django
- PHP
- Golang
Mobility
- Android/Kotlin
- iOS/Swift
- React Native
- Flutter
Blockchain
- Solidity
- Ethereum
- Hyperledger
- Smart Contract
DevOps & ML
- Azure
- AWS
- TensorFlow
- Dialogflow
E-commerce & CMS
- WordPress
- Drupal
- Magento
- Shopify
Full Stack
- MEAN
- MERN
- JavaScript
- Python
As a leading web development company, ZagaTech delivers high-performance, full-stack web solutions for businesses worldwide. Our experienced developers use modern technologies and proven frameworks to build secure, scalable, and SEO-friendly websites and web applications. With clear requirements gathering and rapid onboarding, we turn your project scope into a launch-ready product—fast.
From requirements analysis to deployment and ongoing maintenance, ZagaTech provides end-to-end web development services. Hire expert web developers on flexible engagement models—hourly, monthly, or full-time—to match your project scope and budget. Ready to build? Share your requirements and our senior team will architect, develop, and optimize a secure, scalable solution.
Start Building Today
Hire a Web Development Team
Why Clients Trust Us?
Maximizing Business Opportunities Through Our Core Values
ZagaTech is your one-stop partner for all software development needs, from concept ideation to post-launch support. Our comprehensive services cover every stage of the software lifecycle, ensuring seamless execution and quality delivery. With a proven track record of building exceptional solutions, we’ve earned a reputation as a trusted leader in the industry. We value your feedback and collaborate closely with you throughout the process, ensuring the final product aligns precisely with your vision.
Our tailored approach ensures we deeply understand your specific requirements, delivering results that consistently exceed expectations. At ZagaTech, our team of seasoned professionals and creative minds thrives on pushing the boundaries of technology, bringing fresh perspectives and innovative solutions to every project. We prioritize transparent communication and keep you involved at every stage, ensuring your project is delivered on time and within budget.
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No. of Employees