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.
Tech Stack
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.
