Insurance Software Development

Empat is an insurtech delivery partner for insurance and product teams that need reliable senior engineering and insurtech software development services built around real underwriting, claims, and policy workflows, multiple user roles, and the regulated reality of running an insurance product.

Book a call now

Blue neon glowing check mark symbol on black background.

Oops! Something went wrong while submitting the form.

Clutch 100 Fastest Growth 2026 award badge with gold font and green ribbon on dark background.

Top 100 fastest growth 2026

50+ successful AI-powered Projects from 2022 till now

19 founders are included in the Forbes 30 under 30

6 Y Combinator alumni are among our clients

We have clients from Fortune 500 and S&P 500

Since 2013, we delivered

over 300 projects for 23 markets

AI Tools we use at Empat

Claude

OpenAI

GitHub Copilot

Perplexity

Cursor

Codex

What’s Included in our insurtech engineering services

Insurtech Discovery & Product Scoping

We start by understanding the insurance model, user roles, regulatory pressure, and operational workflows behind the system, so the platform supports real underwriting and business needs instead of adding unnecessary complexity to your roadmap.

Platform Architecture & Integrations

We design the architecture for modern insurtech platforms with the right backend structure, permissions model, risk logic, reporting flows, and third-party integrations needed for scalable day-to-day usage and predictable long-term growth.

Policyholder Apps & Quote-to-Bind Experiences

We build policyholder-facing apps, portals, quote and bind flows, onboarding journeys, and digital insurance products that make insurance software easier to use, easier to manage, and more valuable for the real people behind the screen.

Underwriting, Claims & Internal Systems

Our delivery includes underwriting tools, claims processing, admin panels, internal insurance systems, and reporting environments that help teams coordinate execution more efficiently across roles, products, and regions.

QA, Validation & Release Readiness

We validate key flows, test role-based scenarios, review edge cases, and prepare custom insurance software development for release with practical QA, compliance checks, and production-readiness criteria your team can hand straight to delivery.

Launch Support & Product Growth

We help teams launch confidently, improve product performance after release, and evolve the platform over time through iteration, structured delivery support, and clearly business-driven priorities.

How We Deliver Insurtech for Regulated, Real-World Workflows

At Empat, insurtech delivery is not about shipping features faster — it is about shipping the right ones. We combine product thinking, senior engineering, and human-reviewed delivery to create software that supports real underwriting, claims, and policy workflows, multiple user roles, and the practical day-to-day execution your team will live with. We treat compliance as an architectural concern from day one, not as a final checklist.

Send us a proposal request

We start with the insurance and business context. Before building anything, we study the product model, user journeys, regulatory requirements, and real delivery goals behind the platform.

Glossy, multicolored paper airplane icon with swirling blue, purple, orange, and pink patterns.

Bring us in on your project

We map workflows and user roles. We define how policyholders, underwriters, claims handlers, brokers, administrators, or internal teams interact with the system in real scenarios.

Colorful 3x3 cube puzzle with glossy, marbled orange, blue, pink, and yellow cubes.

We perform an initial evaluation and review

We design the architecture for long-term use. We plan backend structure, permissions, risk logic, reporting, integrations, audit, and maintainability from day one, not as an afterthought.

Colorful translucent microscope with swirling blue, purple, orange, and pink patterns on a black background.

You get a preliminary proposal

We build the core product system. Our team develops the backend, interfaces, integrations, role-based flows, and product-facing functionality needed for reliable insurtech delivery.

Colorful abstract glass scroll with swirling patterns of blue, purple, pink, and orange.

We present, you negotiate

Senior engineers stay in control. Architecture, business logic, QA, and release-critical decisions remain under experienced human oversight throughout the project.

Colorful glossy scales of justice with swirling pink, blue, and orange patterns on a transparent background.

Conduct a technical interview

We prepare the product for real-world usage. We validate flows, test scenarios, review edge cases, and run compliance and release checks before launch.

Transparent microchip with colorful neon lines in blue, pink, and orange inside, on a black background.

Launch

After launch, we help teams improve and scale. We iterate based on real usage, feedback from policyholders and teams, product priorities, and long-term growth needs.

Colorful glossy crown with swirling vibrant hues of blue, purple, and orange on a transparent background.

Insurance software use cases we support

Underwriting & Risk Platforms

We build underwriting tools, risk scoring features, and decisioning systems that support quote-to-bind flows, pricing logic, and scalable operations across products and regions.

Claims Processing & Policyholder Apps

We create claims processing products and policyholder-facing apps such as portals, onboarding flows, and mobile experiences that make digital insurance easier to use and easier to manage for both customers and the teams behind them.

Policy Management & Internal Workflows

We help teams build software for policy management, broker tools, and internal insurance operations — including reporting, regulatory workflows, task visibility, and internal workflow support that fits real operational rhythms.

Telematics, Fraud Detection & Insurtech MVPs

We support startups and product teams launching telematics-based products, fraud detection features, and new insurtech products, helping them define the MVP, shape priorities, and build a version that is realistic to launch, learn from, and improve.

We cover every detail of your entire project for success

Product Development

We're all set to bring your project to life, no matter the scale! Just share your idea, and we'll take care of the rest with the best possible implementation.

Service

MVP development

Develop a Minimum Viable Product with Empat and jump-start your project. Our experts will develop your product quickly and on a budget; even though it will contain basic features only, it will still have all the important functionalities and desired qualities.

Startup

Custom AI Development

Custom AI development services for production-grade software products with scalable architecture, launch readiness, and strong technical oversight.

AI Service

case studies

See how Empat delivers regulated, finance-adjacent products through complex workflows, strong product logic, scalable architecture, and production-ready execution.

BigSister AI

Product Validation

Product Development

Education

Proud

Other

This is a system designed for tracking and analyzing the performance of sales departments. It's like having a sales superhero that analyzes data in real-time, predicts stuff, and lets you customize reports.

View Details

Shadowbanking

Product Development

Software Development

Staff Augmentation

Fintech

We built an embeddable SDK that allows SaaS platforms to offer internal financial features—like balances, transfers, and approval flows—without becoming a fintech company. It’s “financial services as a function” for B2B SaaS.

View Details

Fuel Finance

Custom Website Development

Product Development

Fintech

FuelFinance specializes in expertly managing your spreadsheet needs, offering comprehensive services in accounting, profit and loss statements, cash flow analyses, financial projections, plan versus actual tracking, and unit economics.

View Details

500K+

Ready to Build Insurance Software That Handles Real Underwriting and Claims Workflows?

Work with Empat to design, build, and launch insurance software that is practical, scalable, compliant, and ready for policyholders, underwriters, internal teams, and the long-term growth your roadmap depends on.

Enjoy being ahead of the curve

Check out reviews and press mentions. Short and sweet, find out what we do that customers love us.

Anonymous

Product Manager

Review on

They deliver on time and ask the right questions. They have a good spread of knowledge and are able to allocate the right people to get the job done.

5.0 rating

Varvara

Product Manager

Review on

Empat team is trustworthy, brilliant, honest, attentive, and highly professional. They communicate via virtual meetings, emails, and messages.

5.0 rating

Jonathan

Founder

Review on

The team provides timely updates and is constantly available to help or resolve any concerns. Although the app is in development, the client is impressed with Empat's professionalism and the personality they inject into their work.

5.0 rating

Jenna

Founder

Review on

Empat provided frequent updates and held collaborative conversations. The team was extremely communicative, responsive, and professional.

5.0 rating

Nat

CEO & Musician

Review on

Empat's design expertise ensures my personal brand is presented effectively, attracting a wider audience.

5.0 rating

Namik

Chief Executive Officer

Review on

Empat designed and developed my Shopify store that is visually appealing and user-friendly. This resulted in increased customer engagement, reduced bounce rates, and higher conversions.

5.0 rating

Daniel

Community Manager

Review on

Empat provided fast solutions and delivered all tasks on time. They also ensured excellent project management and professional communication were commendable.

5.0 rating

Severin

CEO

Review on

Thanks to Empat, the client witnessed a considerable increase in website traffic, search engine rankings, and user engagement. They also boosted dwell time and CTR and reduced bounce rates.

5.0 rating

Zhenya

Founder & CEO, Obimy

Review on

Empat’s work meets all expectations. The team is efficient, communicative, and serves as a great sounding board for new ideas.

5.0 rating

Lubov

Personal Assistant, AirDoc

Review on

The Empat team completed the project on time and with utmost quality. They worked thoroughly, going through each aspect of the project in detail to avoid any mistakes.

5.0 rating

Yaroslav

CEO & Founder, Dental Care

Review on

Thanks to Empat, the client has increased their app users by 80% and sales by 50% and tripled their revisits rate.

5.0 rating

Natalia

CEO & Co-Founder, Caries Monster Fighters

Review on

The team instilled reliability and willingness to perform their task in the best possible way.

5.0 rating

Abdullah

Founder & CEO, Powerfull

Review on

Since launching the product several months ago, the app has gained over 1,200 users who've consistently praised the app's efficiency and user-friendliness.

5.0 rating

Review on

Empat together with the international organization Global Medical Knowledge Alliance launched the HealUA. Ukrainian doctors can receive professional advice from their colleagues from all over the world.

5.0 rating

Review on

Ukrainians have created a dental care app. How did the idea come up, and what can it do?

5.0 rating

Zhanna

Co-Founder & CEO, POSY

Review on

The team leads excellent project management, meets the timeline, and communicates well through a weekly call. Their integration with the client's team stands out.

5.0 rating

Review on

Charity groups and even the military have seized on the desire of Ukrainians to voice their anger as a mechanism to raise funds.

5.0 rating

Stuart

Executive, Monitree App

Review on

The MVP developed by Empat was well-received by the client's users, who found it engaging and user-friendly.

5.0 rating

Review on

The website RevengeFor, launched three weeks ago by a Kyiv native and IT worker, Nazar Gulyk, appeals to foreigners with historical grievances against Moscow who would like to support Ukrainians as their proxy.

5.0 rating

Anonymous

Product Manager

Review on

Empat delivered a high-quality app, as 92% of the total bugs were found before deployment. The team was great at problem-solving, so they addressed all the client’s concerns efficiently.

5.0 rating

Review on

The Ukrainian mobile application Obimy became the leader in the US App Store, ahead of Tinder, Pinterest and Netflix.

5.0 rating

Valentyn

CEO & Co-Founder, Big Sister AI

Review on

Thanks to Empat, the client successfully created new software from scratch. The team was highly reliable throughout the process, showing that they were ready for everything.

5.0 rating

Review on

In mid-February Nazar Gulyk, CEO of Empat launched the Deruny recruiting platform together with the Winterthur IT start-up Circleup. The goal: is to bring Ukrainian developers together with Swiss companies.

5.0 rating

Andrii

CEO, Kuka

Review on

Empat successfully delivered the client's application, and the customers that used their new software attracted 20% more employees. The digitization of the client's product helped them understand the needs of their customers.

5.0 rating

FAQ

What insurance software development services does Empat provide?

Empat provides insurtech engineering for underwriting and claims tools, policy management, policyholder-facing apps, broker tools, internal systems, admin dashboards, and workflow automation products built around real insurance and business needs.

What types of products can you build for insurance teams?

We can build underwriting and risk platforms, claims processing systems, policyholder portals, insurance apps, broker tools, internal systems, admin panels, reporting tools, and software designed around the real shape of modern insurance workflows.

Can Empat act as a software development partner for insurtech startups?

Yes. We work with startups and product teams that need help shaping the MVP, defining the scope, and building an insurance product that is realistic to launch, validate with real users, and improve over time.

Do you build software for regulated insurance workflows?

Yes. Insurance involves compliance, audit, and data protection that are non-negotiable. We treat compliance as an architectural concern from discovery onward, and senior engineers stay in control of every release-critical decision — the same approach we use across HealthTech and FinTech.

Do you offer custom insurance software development instead of generic templates?

Yes. We build around the actual logic of the product, including user roles, underwriting and claims workflows, permissions, reporting needs, integrations, and operational priorities. That is often more effective than forcing a generic system to fit a complex insurance product.

Can you add AI features to insurance products?

Yes. We add AI features — underwriting automation, risk scoring support, claims triage, fraud detection signals, and decision support — where they create real product value. We don’t add AI for the sake of it, and every line of AI-generated code is read and approved by a human engineer before it ships.

Do you have direct insurance case studies you can share?

Much of our finance-adjacent work is under NDA. We can walk through relevant project context — embedded finance, payouts, financial planning, risk and fraud logic — on a discovery call, and show how that expertise transfers directly to underwriting, claims, and policy workflows.

Can you improve or stabilize an existing insurance software product?

Yes. If an existing product is unstable, difficult to scale, or too messy to develop further, we can assess the current state, stabilize critical areas, and improve the system incrementally without a full rewrite.

How do we get started?

The first step is a discovery call. We review your product, workflows, regulatory reality, business goals, and delivery needs, then recommend the most suitable path forward.