Openkoda Implementation Partner for Insurers and MGAs
Openkoda is an insurance policy administration system that insurers configure with AI, from quote to claim. It is built and licensed by our sister company of the same name, founded by the same two people. Stratoflow is the implementation partner. Core Travel Insurance went live on Openkoda in eight weeks in 2026.
Openkoda in practice
- 8 weeks
- from contract to a live travel insurance platform for Core Travel InsuranceMay 2026, public announcementOpenkoda case study
- 2 companies
- Openkoda builds and licenses the product; Stratoflow implements and integrates itSame founders, separate books
- Quote to claim
- rating, underwriting, policy administration, claims, billing and bordereaux reporting on one platformProduct details on openkoda.com
- What Openkoda is
- A policy administration system configured with AI, from rating to claims
- Who builds it
- Openkoda, our sister company, with its own team, pricing and roadmap
- What Stratoflow does
- Setup, integrations, data migration, custom Java modules and support
- Where the two meet
- openkoda.com covers the product; this page covers the implementation
- Commercial model
- Openkoda subscription; implementation billed time and materials
From platform to your products
Stratoflow engineers take Openkoda from contract to live products on your systems.
Core and legacy integration
Accounting, payment, reinsurance, document and distribution systems connected, with the incumbent core running alongside until you trust the new one.
Custom modules in Java
Where the platform stops and your differentiation starts: modules and services in Java and Spring, built by the same engineers who configure the platform.
Hosting and support
Deployment on your cloud or ours, and a Managed Java Application Support retainer if you would rather we ran it.
AI features
Retrieval over policy documents, claims triage and agent tooling through Spring AI, with the audit trail insurance regulators expect.
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 Insurance
Openkoda features ready from day one
Your implementation starts from a working policy administration system, not an empty project.
AI Product Builder
Describe a product or a change, and Openkoda AI turns it into a reviewable change-set, applied only when you approve it.
Policy administration
Quote, bind, issue, endorse, renew and cancel from one source of truth, with a full audit history of every change.
Workflow engine
Submissions, quotes, underwriting, issuance and renewals designed by dragging steps on a canvas, with a dry run first.
Reporting and dashboards
Ask about your book in plain language and get the report, with dashboards for each team from underwriting to billing.
Claims processing
Intake, coverage checks, reserving and approval run as one flow, with a single queue ordered by SLA, severity or exposure.
Underwriting dashboards
Referred cases land in one shared queue, each on a workbench for its product, while rules auto-issue the rest.
Bordereaux reporting
Bordereaux built from the policies and claims already in the platform, in the Excel or CSV layout each carrier accepts.
Document generator
Policy packs, certificates and letters generated from live data with your own templates, and stored against the account.
Why two companies, and what it means for you
A product and a services business want different things. The product wants a roadmap, a price list and as many customers as possible on the same code. The services business wants to do whatever your systems need, including things the product will never do. Keeping them in separate companies with separate books is how we stop one from quietly subsidising the other, and it is why we can tell you plainly when Openkoda is not the right platform for you.
It also means you are not locked to us as the implementer. The platform licence is between you and Openkoda; your configuration, integrations and custom modules are documented and can be handed to your own team. We would rather earn the retainer than rely on lock-in.
Implementations so far
- Group travel
- Core Travel Insurance covers travel for large U.S. organizations, and its legacy system could not support that model: partner onboarding and enrollment were manual and slow. The implementation built a dedicated data model, then a broker portal and self-service upgrades. The platform now serves several large organizations with thousands of users each.From contract to production · 2026
- Life and aviation
- SkyGuard sells life cover for aviation professionals next to aviation hull and liability, and generic systems forced one line to fit the other. A metadata-driven data model runs both lines side by side, with portals for underwriters, brokers and claims specialists and SkyGuard's own AI rating engine connected through APIs.Three delivery phases · about three months
From scoping call to a live product
Five steps from a working platform to your products in production, each agreed with you first.
Set up the platform
After a scoping call and a written ballpark, we set up Openkoda on managed cloud or on premise.
Model your products
We configure your coverages, rating, underwriting rules and workflows on the platform.
Shape the experience
Portals, forms, dashboards, roles and navigation are fitted to the way your team works.
Connect your systems
We connect finance, partner and data systems through APIs, and migrate your policy data.
Go live and evolve
Cutover with a tested rollback, then support or handover. Core Travel went live in eight weeks.
Openkoda and Stratoflow, the practical questions
Is Openkoda a Stratoflow product?
No. It is built and sold by our sister company of the same name, founded by the same two people. Stratoflow is the implementation partner and sells implementation, integration, custom development and support as its own service. Each company keeps its own books, and work between them is priced at arm's length.
Do we have to buy Openkoda to work with Stratoflow on insurance?
No. Most of our insurance work is implementation and integration on whatever core an insurer already runs. Openkoda is the platform we recommend when you are launching products or replacing a core and it fits; the scoping call and the written ballpark say whether it does.
How is Openkoda licensed?
Openkoda is a commercial platform, licensed by Openkoda and run either fully managed or on premise. Plans and prices are on openkoda.com; we keep the description here short so it cannot drift from theirs.
How long does an implementation take?
Core Travel Insurance went live in eight weeks. A single-product launch with few integrations sits near that; a multi-product core replacement with a parallel run is a longer programme delivered in stages with a ballpark estimate per stage. The written ballpark gives you the range for your case.
Can we take the implementation in house later?
Yes. Your configuration, integrations and custom modules are documented, and handover with knowledge transfer is part of every implementation scope. The platform licence stays with Openkoda.
Insurance software guides from our engineers
- Insurance
Policy Administration System in 2026: AI, Must-Have Features and Your Own Platform
What a policy administration system does, how AI drafts product changes under human approval, the PAS features to insist on in 2026, and sourced insurtech figures.
- Insurance
The Complete Guide to Insurance Software in 2026
The main types of insurance software, what MGAs and specialty insurers need, and where AI helps in 2026.
- Insurance
How to Build Insurance Policy Management Software
What a policy administration system has to do, what a custom build costs, how a configurable PAS goes live in five steps, and five PAS vendors compared for 2026.
Plan your Openkoda implementation
Bring your products, current core and timeline, and leave knowing whether Openkoda fits.