Insurance software development services for insurers, MGAs and insurtechs
Policy administration, claims, rating and broker systems implemented, integrated with the core you already run, and kept running. We start from a working insurance data model as the implementation partner for the Openkoda platform, not from an empty repository.
- 8 weeks
- from contract to a live travel insurance platform for Core Travel InsuranceOpenkoda implementation, May 2026
- Life and aviation
- SkyGuard, a specialty insurer's policy administration on the same platformOpenkoda implementation
- Dec 2027
- EU AI Act high-risk obligations apply to life and health insurance pricing and risk assessmentRegulation (EU) 2024/1689
What insurers, MGAs and insurtechs want from an insurance software development company
Launch a product in weeks
New products, rates and rules configured on a working policy model. Core Travel Insurance went live in eight weeks.
Replace the core without a big bang
Old and new run side by side, one product line at a time, until the new core has earned trust.
Sell through every channel
Quote, bind, commission and reporting for brokers, agents and embedded partners, all reading one policy record.
Use AI in underwriting and stay compliant
Models in rating and underwriting paths with the logging, human review and documentation the AI Act requires.
What insurers ask us to fix
A core that cannot express the product
Niche products, unusual endorsements, embedded distribution: when every new product needs a workaround, the platform has become the ceiling. We implement one that can express it, alongside the old core until you trust it.
Claims that live in three systems
Intake, adjustment, payment and reinsurance recovery stitched together with spreadsheets. We build the integration layer and the audit trail that reinsurers and regulators expect.
Rating that has to be explained
Rule-driven rating engines fast enough to quote in real time and transparent enough to explain a price, with the AI Act documentation where a model is in the path.
Brokers and distribution that do not agree
Quote, bind, commission and reporting for brokers, agents and embedded partners, reading from one policy record.
Documents that must be retrievable for decades
Generation, versioning and storage of policy documents, and the question of what the cover was on a given date answered from data, not from a PDF archive.
Legacy Java that runs the book
Policy administration systems on Java 8 modernized module by module, with the old system running until the new one is proven.
You start from a working insurance data model, not a blank repository
Most insurance builds spend their first months rediscovering the same things: what a policy is, how endorsements affect it, how claims attach, how versioning works when a regulator asks what the cover was on a date two years ago. That work is necessary and it is not where your product is differentiated.
We start from the policy, claims and distribution model in the Openkoda platform, built and sold by our sister company, and shape it to your products and rules. The first working version arrives in weeks rather than quarters, and the arguments you have with us early are about your products rather than about primitives. Core Travel Insurance went live in eight weeks that way.
Where Openkoda is not the right platform, and the scoping call will say so, the same engineers implement and integrate on the core you already run.
Insurance implementations and the engineering behind them
- Flagship · Insurance · 2026
Openkoda: Core Travel Insurance live in eight weeks, SkyGuard on the same platform
Stratoflow as implementation partner for the Openkoda insurance platform: a travel insurer from contract to production in eight weeks, and a life and aviation specialty insurer.
8 weeks to production
- Flagship · Banking and fintech · from 2013
FastPost: a billion financial transactions in under an hour
FastPost, a rule-driven, high-performance accounting platform developed for Legerity by Stratoflow from 2013, used by telcos and insurers worldwide.
1,000,000,000 transactions / hour
Launching this platform is a key step in transforming the way we serve organizations and travelers. We needed a solution that paired excellent group travel insurance with our patented, scalable model for personalized traveler upgrades. We required a smooth migration of our existing clients along the way. We’ve gone from implementation to production in only eight weeks.
Fiona LallyChief Executive Officer, Core Travel InsuranceServices for insurers
Dates that shape insurance engineering
DORA applies
To EU insurers and reinsurers, with the same incident, continuity and third-party obligations as banks. Implementation partners are inside that perimeter.
European Health Data Space
Begins to apply and changes how health data may be accessed and reused, which matters to health and life insurers.
AI Act high-risk rules
Risk assessment and pricing in life and health insurance become high-risk uses; models in those paths need logging, human review and documentation.
Consumer duty and product governance
UK and EU rules keep tightening how a product's design and price must be shown to fit its market. A policy model that versions every fact produces that evidence.
Insurance software development, the practical questions
How much does insurance software development cost?
An Openkoda implementation gets a written ballpark after the scoping call, plus the platform subscription from Openkoda. Work on your existing systems is priced per offer: time and materials phases with a ballpark estimate, a support retainer or a monthly team fee. The cost is driven by how many products you carry, how unusual your rules are, and how many systems you must integrate with; we give you the range and what moves it within a week.
How long does an implementation take?
Core Travel Insurance went live in eight weeks. A single-product launch with few integrations sits near that. Replacing a live core is longer and should be incremental, running old and new in parallel until you trust the new one; we would rather migrate one product line successfully than all of them hopefully.
Can you integrate with our existing core system?
Usually yes, and on modernization projects that is the point: the new system runs alongside the old one and takes over gradually. The practical constraints are what the incumbent can expose and how reliably, which we establish before the ballpark because it shapes the whole plan.
Do we have to use Openkoda?
No. It is the platform we recommend when you are launching products or replacing a core and it fits. When it does not, the same engineers implement and integrate on whatever you run. The written ballpark is where that gets decided.
Is recommending Openkoda a conflict of interest?
Openkoda is built and sold by our sister company, with its own books; work between the two companies is priced at arm's length. We recommend it only where it fits, and the same engineers implement and integrate on whatever core you already run when it does not.
Are you big enough for an insurer?
A boutique team of senior engineers, every one a direct employee, with no subcontracting. For an insurer that means the people who scope your implementation are the people who build it, a short supplier chain for your third-party risk review, and an exit plan written into the contract.
Will we be locked in to Stratoflow or to Openkoda?
Not to us: your configuration, integrations and custom modules live in repositories you control, ownership is assigned to you, and handover is part of every implementation scope. The platform licence is between you and Openkoda.
Where do I compare Openkoda with other insurance platforms?
On openkoda.com, which publishes the product, its pricing and comparisons with other platforms. This site is about what an implementation costs and how long it takes; we keep the two apart so neither can drift.
Why does insurance need custom implementation at all?
Because the products are the differentiator, and a platform encodes someone else's idea of what an insurance product is until it is configured and integrated for yours. If your products are entirely standard, buy a platform and configure it yourself; that is the cheaper answer and we will say so.
What technology do you use for insurance systems?
Openkoda as the platform where it fits, with custom modules and integrations written in Java and Spring by the same engineers. Where a model sits in a rating, claims or underwriting path, Spring AI, with the logging and review points the AI Act asks for.
Insurance engineering notes
Book a scoping call about an insurance system
Bring your products and the core you run today. You leave knowing whether Openkoda fits, with a written ballpark to follow.