An MGA wins a new program with a major carrier and has twelve weeks to start writing policies. Its off-the-shelf system cannot handle the new product's rating rules, and the vendor's roadmap says "next year".
Situations like this are why insurers turn to custom software development. This list covers ten of the best insurance software development companies in 2026 and how to choose between them.
The importance of custom software in the insurance sector
Insurance runs on software more than almost any other industry. Products, prices, policies, claims and payments all live in systems, and the speed at which those systems change decides how fast an insurer can launch a product or respond to a competitor.
Growth is slowing, so efficiency matters more
The Swiss Re Institute expects global insurance premiums to grow by only 1.3% in real terms in 2026, down from 3.9% in 2025, with non-life at 0.6% (Swiss Re Institute). When growth slows, the cost and speed of changing products matter more than ever, and legacy systems that take months to change a rating rule become a real handicap.
Customers and agents want digital service
Policyholders now expect to deal with their insurer online. In J.D. Power's 2026 property claims study, 49% of claimants used digital tools to submit photos and 45% to receive updates (J.D. Power). Agents are moving just as fast:
AI raises the stakes for the core systems
AI is only as useful as the systems and data it can reach. McKinsey reports productivity gains of 10% to 90% per step when insurers use agentic AI to modernize their core technology, with people approving each stage (McKinsey). At the same time, the EU's AI Act classes AI used to price life and health insurance for individuals as high-risk, with obligations applying from December 2027. Building AI into insurance systems is a software engineering job with a compliance file attached.
Why custom, and not only a packaged suite?
Packaged core systems such as Guidewire or Duck Creek cover the standard parts of the business well, and many insurers should use one. Custom software earns its place around and between them: a niche product the suite cannot rate, a broker portal, a claims workflow that sets you apart, an integration nobody sells, or a whole platform for an MGA that needs to launch in weeks. Investors agree that the space is moving: CB Insights counted $2.4 billion of insurtech funding in the second quarter of 2026, the highest quarterly total since 2022 (CB Insights).
Our insurance software guide explains the main types of system, and our guide to insurance core platforms compares the packaged options. The companies below build what the packages do not.
10 best insurance custom software development companies in 2026
Each company below has a visible insurance practice, and every fact comes from its own website, checked in October 2026. Stratoflow is our own company, so it comes first; the rest are in no particular order, and none paid to be included.
1. Stratoflow
Stratoflow is a software house that builds and modernizes business-critical Java systems for insurers, MGAs and financial services firms in the UK, the US and Western Europe. In insurance it is the implementation partner for Openkoda, a policy administration system configured with AI and built by a sister company: Core Travel Insurance went from contract to a live policy platform on it in eight weeks in 2026 (case study).
Engagements start with a thirty-minute call with an architect and a written ballpark, and clients see working software every week from engineers who are direct employees.
Location: Poland, working with insurers in the UK, the US and Western Europe
Insurance focus: policy administration, insurance platforms and modernization
Strengths:
- Fast launches of new products and MGAs on a modern policy platform
- Experience with high-volume systems, such as an accounting platform processing a billion transactions an hour
- Step-by-step modernization of legacy insurance systems without a big-bang rewrite
2. Sollers Consulting
Sollers Consulting works only for the insurance and financial sector, and it shows in its range: sales and underwriting, pricing, policy administration, claims, reinsurance and workers' compensation, plus implementation of core suites such as Guidewire. It has worked with more than 100 financial groups on more than 250 projects in over 30 countries, by its own count.
Its timeline shows how long that specialism goes back. In 2012 it ran its first major Guidewire implementation in Central and Eastern Europe and, the same year, launched a new insurance company as a greenfield start-up in five months. Today it has more than 1,000 business and IT experts from 42 nations.
Location: Started in Warsaw, Poland; sixteen offices across Europe, North America and Asia-Pacific, including Chicago, Toronto, London and Tokyo
Insurance focus: insurers and financial groups only
Strengths:
- Deep insurance specialism rather than a general software practice
- Core suite implementation, including Guidewire, as well as custom work
- Experience launching a new insurer from scratch
- More than 100 insurance and financial groups as clients, by its own count
3. EPAM Systems
EPAM started with three employees and has grown into a global engineering services company. Its insurance practice works with insurers and reinsurers on data, digital products and platform modernization, aimed at helping them become data-driven businesses.
Its insurance case studies show where that work is concentrated: a cloud data and analytics platform on Azure for a global (re)insurer, covering both its insurance and reinsurance businesses, a cloud migration for a leading insurer, and the business case for AI with a global insurance group.
Location: Newtown, Pennsylvania, US, with locations across the Americas, Europe and Asia-Pacific
Insurance focus: insurers and reinsurers, data and digital transformation
Strengths:
- Scale for large, multi-year transformation programs
- Strong data and analytics practice
- Experience with both primary insurers and reinsurers
4. Endava
Endava has worked with insurers for over two decades. Its insurance page reports 45 insurance clients, 60 ongoing insurance projects and 800 employees focused on insurance, working on digital products, distribution, operations and underwriting for carriers, brokers and managing general agents.
Its strong payments practice carries over into insurance. One case study describes a new payments strategy for a national insurer whose large customer base found the old payment system cumbersome and hard to use.
Location: London, UK (global headquarters), with offices in 65 cities in 25 countries
Insurance focus: carriers, brokers and MGAs
Strengths:
- A dedicated insurance team of a meaningful size
- Work across carriers, brokers and MGAs
- Digital distribution, client portals and payments
5. ScienceSoft
ScienceSoft has delivered more than 4,300 IT projects over three decades, by its own count. Its insurance practice serves an unusually wide range of clients: insurance carriers, health insurers, MGAs, brokers and agencies, captive insurers, self-insured companies and insurtech startups.
Its case studies range from an insurtech SaaS product for Brush Claims to an augmented-reality auto insurance app, in which drivers file a claim from their phone and the claim goes straight into the insurer's queue for loss adjustment.
Location: US, with offices in Mexico, Finland, Latvia, Poland, Saudi Arabia and the UAE
Insurance focus: the whole insurance chain, from carriers to insurtechs
Strengths:
- Long track record and a broad insurance client base
- Covers everything from new insurtech products to modernization
- Listed among the best outsourcing providers in IAOP's Global Outsourcing 100, by its own account
6. DataArt
DataArt started in New York and opened a London office early on, so it works in both the US and the London market. It helps insurers and reinsurers build "powerful, compliant systems" with flexible architecture and embedded intelligence, with a clear emphasis on regulatory confidence.
Its insurance case studies lean toward data and AI: AI-powered personalization that lifted an online insurance aggregator's revenue by 10%, and faster workflows for a global reinsurer.
Location: New York, US, with offices in London, Zug and Munich, and delivery locations including Mexico and India
Insurance focus: insurers and reinsurers, compliance and data
Strengths:
- A strong compliance and data focus
- Presence in both the US and the London market
- Partnerships with the major cloud and data platforms
7. Itransition
Itransition has more than 3,000 engineers and has served more than 800 clients. In insurance it focuses on helping insurers implement, modernize and optimize software of varying complexity, with the aim of better operational efficiency and service.
Its insurance services cover underwriting, policy management, reinsurance and claims software. It also consults: for one insurance broker that planned to grow its business by 50% within one to two years, it reviewed the company's processes and technology and set out what had to change.
Location: US, with offices in London and Warsaw and delivery in 40 countries
Insurance focus: implementing, modernizing and optimizing insurance software
Strengths:
- Modernization of existing insurance platforms
- Business and technology consulting as well as development
- Strong partnerships with Microsoft, Salesforce and other platform vendors
8. N-iX
N-iX has its roots in Lviv and now has more than 2,400 engineers. Its financial services practice covers banking, capital markets and insurance; among its featured work is the modernization of a claims management platform to support a client's expansion into new markets.
It is opening new development hubs in Colombia and India, which adds time zones and capacity for clients that need to grow a team quickly. Security and regulatory compliance are presented as part of its financial services offer, not an extra.
Location: Valletta, Malta, with offices in Ukraine, Poland, Bulgaria, Romania, Sweden, the UK, the US, Colombia and India
Insurance focus: banking, capital markets and insurance
Strengths:
- Claims and policy platform modernization
- A large engineering pool for scaling a team quickly
- Security and compliance services alongside development
9. Intellectsoft
Intellectsoft helps companies with digital transformation. Its insurance offering covers quoting and risk management, customer portals, policy administration and claims, with a particular strength in customer-facing apps.
For EuroAccident, a personal insurance provider, it built a mobile app integrated with the company's own systems and external APIs. The insurer gained more self-service and automated case processing, and its client called the project a successful "digital shift".
Location: Distributed, with delivery teams in Eastern Europe, Latin America and Asia-Pacific
Insurance focus: customer-facing insurance software
Strengths:
- Customer portals and mobile apps for insurers
- Broad custom development services
- Experience across insurance, fintech and other regulated industries
10. Leobit
Leobit is a .NET and AI specialist. Its insurtech practice applies AI to underwriting risk models, claims workflows and fraud detection for carriers, MGAs and insurtech startups, and it is a Microsoft Solutions Partner.
Its engineers have delivered AI for insurance companies in several markets. In underwriting, for example, it builds machine learning models that read telematics, IoT signals, medical records and property data to assess risk.
Location: Austin, Texas (US headquarters), with development centers in Lviv, Kraków, Tallinn and London
Insurance focus: AI for carriers, MGAs and insurtechs
Strengths:
- AI features in underwriting and claims
- Deep Microsoft stack expertise (.NET, Azure)
- A good fit for insurtech startups and MGAs
Insurance software development companies compared
The table sums up where each company's insurance work is concentrated. All ten build custom software; they differ in the part of the insurance business they know best and the size of project they suit.
| Company | Location | Insurance focus | Best for |
|---|---|---|---|
| Stratoflow | Poland | Policy administration on Openkoda, high-volume Java systems, modernization | Insurers and MGAs that need a core system live quickly or a legacy platform modernized |
| Sollers Consulting | Warsaw, Poland | Insurance and financial groups only: underwriting, policy, claims, Guidewire | Large insurers implementing or extending a core suite |
| EPAM Systems | Newtown, Pennsylvania, US | Insurers and reinsurers, data and digital transformation | Global insurers running large, multi-year programs |
| Endava | London, UK | Carriers, brokers and MGAs, with a dedicated insurance team | Digital products and distribution for established players |
| ScienceSoft | US | Carriers, health insurers, MGAs, brokers, captives, insurtechs | Mid-sized projects across the whole insurance chain |
| DataArt | New York, US | Insurers and reinsurers, compliance-heavy systems | Regulated systems where data and compliance lead |
| Itransition | US | Underwriting, policy, reinsurance and claims software | Insurers modernizing existing platforms |
| N-iX | Valletta, Malta | Banking, capital markets and insurance, including claims platforms | Scaling engineering capacity for a claims or policy platform |
| Intellectsoft | Distributed | Quoting, customer portals, policy administration, claims | Customer-facing insurance apps and portals |
| Leobit | Austin, US, and Lviv, Ukraine | AI for carriers, MGAs and insurtech startups, on the Microsoft stack | AI features in underwriting and claims on .NET and Azure |
How to pick the best software development partner
Choosing a partner for insurance software is part technology decision and part regulatory one. These are the questions we would ask, in roughly this order.
Does the team speak insurance?
Ask the team to explain how a mid-term adjustment, an endorsement or a reinsurance treaty affects the system. A partner that understands policies, rating, claims and bordereaux will need far less of your experts' time and make fewer expensive mistakes.
Have they built something close to your project?
A claims portal, a rating engine and a full policy administration system are different jobs. Ask for two or three comparable projects and a reference you can call.
How do they handle regulation and data?
Insurance data is personal and often sensitive. Ask how the partner handles GDPR or its local equivalent, audit trails, access control and, in the EU, the AI Act and DORA for systems that support critical functions. A partner that has passed a regulator's or an auditor's review before is worth a lot.
Build, buy or both?
A good partner will tell you when a packaged suite or a configurable platform is the better answer, and will build only what you cannot buy. Be wary of anyone who proposes to build a whole policy administration system from scratch without asking about the alternatives.
How will you see progress and costs?
Ask for a written ballpark with its assumptions before you commit, and for working software you can see regularly, ideally every week. Insurance projects that run for months without a demo are the ones that end in surprises.
What happens after go-live?
Insurance systems run for decades. Make sure the code lives in your repository, that tests and documentation are part of the scope, and that someone, the partner or your own team, is ready to maintain the system once it is live.
If you are launching an insurance product, building an MGA platform or modernizing a legacy system, book a thirty-minute scoping call with a Stratoflow architect. You will get a written view of scope and price model within a week, and a straight answer if another company on this list would be the better choice.