Web Development for Insurance
Transform your insurance business with custom web development solutions. We understand the unique challenges of the insurance and insurtech industry and build solutions that address them.
Insurance Industry Challenges We Solve
We understand the unique demands of the insurance and insurtech industry and build solutions that address them head-on. With a market size of $10.5B global insurtech investment, theinsurance sector demands technology partners who truly understand the industry.
Claims Processing Automation
Traditional claims processing takes 30-90 days and involves manual document review, multiple handoffs, and phone tag with adjusters. Automating the claims lifecycle — from first notice of loss through investigation, evaluation, and settlement — can reduce processing time by 75% and significantly improve customer satisfaction.
Underwriting & Risk Assessment Systems
Underwriting is the core of insurance profitability. Modern underwriting platforms need real-time risk scoring using alternative data sources (IoT, social, geospatial), automated decisioning for standard risks, and workflow tools for complex cases — all while maintaining actuarial accuracy.
Policy Administration & Management
Insurance carriers manage millions of policies with complex lifecycle events: issuance, endorsements, renewals, cancellations, and reinstatements. Legacy policy admin systems are costly to maintain and slow to adapt to new products, creating a massive modernization opportunity.
Regulatory Compliance Across States
Insurance is regulated at the state level in the US, meaning a nationwide carrier must comply with 50+ different regulatory frameworks. Rate filings, form approvals, complaint handling, and financial reporting requirements vary by state, creating enormous compliance complexity.
How We Help Insurance Businesses
Our team brings deep insurance domain knowledge combined with technical excellence to deliver solutions that work in the real world — not just in demos.
Automated Claims Processing
We build AI-powered claims systems that automate first notice of loss intake, document processing (OCR + NLP), damage assessment (computer vision), fraud detection, and settlement calculation — reducing claim cycle times from weeks to hours.
AI-Powered Underwriting Platforms
Our underwriting solutions integrate alternative data sources, ML risk models, automated decision engines, and underwriter workbenches that handle routine policies automatically while flagging complex risks for human review.
Modern Policy Administration
We build flexible policy admin systems that support rapid product launches, real-time rating, automated endorsements, self-service policy changes, and multi-state compliance — replacing rigid legacy systems with adaptable modern architecture.
Compliance-First Development
We build insurance software with state-level compliance baked in: rate filing workflows, form management, regulatory reporting, consumer complaint tracking, and audit-ready documentation for DOI examinations.
Our Web Development Capabilities for Insurance
We bring deep web development expertise to insurance projects:
Full-stack Development
End-to-end solutions from frontend interfaces to backend systems
Progressive Web Apps
Mobile-first applications with offline capabilities
API Development
Robust and scalable APIs for seamless integration
Performance Optimization
Lightning-fast load times and optimal user experience
SEO Integration
Built-in SEO best practices for better visibility
Security Implementation
Enterprise-grade security measures and best practices
Technologies We Use
Insurance Web Development Use Cases
Here are some of the most common web development projects we deliver for insurance businesses:
Digital insurance quoting and binding platforms
Claims management and FNOL automation systems
Insurance agent portals and commission management
Parametric insurance platforms with IoT triggers
Embedded insurance APIs for partner distribution
Insurance analytics and loss ratio dashboards
Insurance Compliance & Regulations
Insurance technology must comply with state DOI regulations (all 50 states), NAIC model laws, state rate filing requirements, Unfair Claims Settlement Practices Acts, data privacy laws specific to insurance (including HIPAA for health insurance), and anti-fraud regulations. International operations add Solvency II (EU) and Lloyd's market standards.
Insurance Technology Trends in 2026
Insurtech trends include usage-based insurance (UBI) powered by IoT telematics, embedded insurance at point of sale, parametric insurance products with automated payouts, AI claims adjudication, digital-first distribution channels, and climate risk modeling using satellite and geospatial data.
Staying ahead of these trends requires a technology partner who invests in continuous learning and experimentation. At ZTABS, our engineers regularly work with emerging technologies and can help you evaluate which trends are worth adopting now and which are better to watch.
Frequently Asked Questions
Common questions about web development for insurance
The insurance industry has unique requirements including claims processing automation and underwriting & risk assessment systems. Off-the-shelf solutions often can't address these specific needs. Custom web development ensures your solution is tailored to insurance workflows and compliance requirements. The $10.5B global insurtech investment market size reflects the massive opportunity for companies that invest in purpose-built technology.
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Ready to Transform Your Insurance
Business?
Get custom web development tailored to the insurance and insurtech industry. Free consultation included.