Insurance Software Development Company.

It covers the systems an insurer runs on: policy administration (quote, bind, endorse, renew, cancel), rating and underwriting rules, claims processing from FNOL to settlement, billing and payments, agent and policyholder portals, document intake, fraud analytics, and the reporting extracts that go to regulators and reinsurers. Codazz builds these as separate services with APIs between them, so one component can be replaced without rewriting the rest.

Yes. We build the compliance layer as part of the platform rather than a bolt-on: immutable audit logs on every rating and claim decision, configurable data retention and deletion, role-based and attribute-based access control, field-level encryption for policyholder PII, consent and disclosure tracking, and scheduled statutory reporting extracts. We design to the controls your compliance team specifies and produce the evidence trail their auditors ask for.

An AI auto insurance workflow starts at FNOL: the policyholder uploads photos and a description, computer vision classifies damaged parts and severity, and OCR pulls structured data from repair estimates and police reports. A scoring model ranks the file for fraud and complexity. Low-severity, high-confidence claims go straight through to payment; anything ambiguous is routed to an adjuster with the model output and evidence attached, not hidden.

Yes. Most engagements sit alongside an existing core rather than replacing it on day one. We integrate over REST and SOAP APIs, ACORD XML messaging, EDI and flat-file feeds, database replication, or an event stream in front of the legacy system. That lets a new portal, claims workflow or document pipeline go live while the core stays exactly where it is.

Policyholder PII is encrypted at field level with managed key rotation, access is role-based and logged, environments are separated with no production data in development, and secrets live in a managed vault. We support data residency requirements including keeping Canadian or EU data in-region, and we run penetration testing and dependency scanning before release. Security architecture is agreed in the first sprint, not retrofitted.

A focused MVP — one product line, quoting through bind, payment collection and a basic admin view — is typically a three to five month build. A full policy administration replacement is longer and we phase it by product line so the business keeps writing throughout. Every engagement runs in two-week sprints with a working demo at the end of each one.

Cost is driven by scope, not headcount: how many product lines and states or provinces you rate in, whether rating logic must be rebuilt or wrapped, how many external systems need integrating, how much historical data migrates, and what the audit and reporting requirements are. We run a paid or free scoping workshop depending on size, then quote fixed-price milestones so the budget is known before the build starts.