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B2B InsurTech Platform for Commercial Quoting & Broker Automation

Engineered a B2B InsurTech SaaS platform replacing manual PDF workflows with dynamic smart applications, real-time multi-carrier quote aggregation, and automated coverage comparison for insurance brokers.

RoleSenior Full-Stack Engineer
CategoryInsurTech
ClientConfidential
DomainCommercial Insurance

Tech Stack

ReactNext.jsNode.jsPostgreSQLREST APIsAWS

Project Overview

The client is a pioneering InsurTech company modernizing the commercial insurance industry. They required a comprehensive, multi-market quoting and coverage comparison platform for insurance brokerages, replacing manual PDF-based workflows with dynamic smart applications, real-time quote aggregation, and automated coverage analysis.

The Challenge

  • Challenge 01

    Brokers struggled to gather exact industry-specific questions for varying business types, leading to incomplete submissions and increased E&O exposure.

  • Challenge 02

    Integrating with multiple disparate insurance carrier APIs to fetch and standardize real-time quotes without system timeouts.

  • Challenge 03

    Brokers spent hours manually cross-referencing complex insurance policies to find the best value for clients.

Technical Implementation

Dynamic Smart Application Engine

Engineered a stateful React and Next.js frontend that dynamically alters its question set based on the industry vertical being quoted. Implemented a secure client hand-off feature allowing brokers to generate encrypted links so insured business owners can fill out complex data directly, synchronizing back into the broker dashboard.

Real-Time Quote Aggregation & API Integrations

Developed a robust Node.js backend routing standardized smart application data to a panel of participating insurers simultaneously. The system aggregates diverse responses into a normalized schema, displaying comparative quotes in real time.

Automated Cover Matching & Presentation Generator

Engineered backend scoring logic that instantly analyzes multiple insurer quotes against client needs, scoring them on value and coverage depth. Built an automated presentation engine translating complex data sets into clean, customizable digital proposals brokers can present in minutes.

Key Achievements & Impact

  • Impact 01

    Automating data collection and connecting directly with insurer APIs reduced average quoting time from several days to mere minutes.

  • Impact 02

    The dynamic question engine and automated coverage matching minimized professional liability risks for brokerages.

  • Impact 03

    Built-in guidance and intelligent workflows allowed novice brokers to navigate complex commercial risks with experienced underwriter confidence.

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