The problemYour team re-keys the same client into the AMS, rater and every carrier portal.
In shortInsurance software development means building custom tools for the gaps around an agency or MGA core system: quote forms, broker and client portals, claims intake, renewal tracking and commission reconciliation. We connect them to your AMS by API or export so staff stop re-keying data. Tools start from $8,000, fixed-price per phase, and usually take 6–14 weeks.
Every carrier asks the same questions, differently. So your CSRs type one client into the agency system, the rater and five carrier portals, then chase the application that came back half empty. Commission statements get matched line by line in Excel, certificates eat the afternoon, and a direct-bill renewal that never reached anyone's expiration report can turn into an E&O claim.
Most agencies and MGAs already run a core system such as Applied Epic, AMS360, HawkSoft or EZLynx, and switching costs more than the pain. We do not ask you to switch. We build the software that fills the gaps: quote and intake forms that collect complete information, portals for brokers and clients, claims intake, renewal tracking and commission reconciliation, connected to the systems you keep.
Maintained by Haider Ali, Founder & CEO · Updated
These are the gaps where agency and MGA time goes. Each one is a tool we can build around the system you already run.
Hours of duplicate typing every week and typos that follow the risk from system to system. In a 2026 Ivans survey of more than 700 independent agents, re-keying was the top workflow complaint.
What we doWe collect the data once, in one intake form, and push it to your AMS and rater through their API or import format, so staff check it instead of typing it.
Every gap adds a round of back-and-forth, quotes slow down, and thin submissions get priced cautiously or never quoted at all.
What we doMulti-step quote forms that adapt to each line of business, require what underwriting needs and check answers as they go, so submissions arrive complete.
Hours every month, missed commission nobody notices, and advances, chargebacks and renewals you cannot forecast.
What we doWe import carrier statements, match them against the commission expected on each policy, and list every discrepancy for a person to chase.
A missed direct-bill renewal can become an E&O claim, and the client is often lost along with it.
What we doWe build one renewal list from your AMS and carrier downloads, flag expiring policies weeks ahead, and create tasks that someone has to close.
At about four minutes each, a busy day of requests takes hours, and wording errors, especially on additional insureds, are a known source of E&O claims.
What we doRequests come in through a form, are checked against policy data, and a person approves the wording before it goes out, under your own ACORD forms license.
Handlers type details by hand and chase photos and documents, cycle times grow, and policyholders get frustrated.
What we doAn online first notice of loss form asks the right questions for the loss type, collects photos and documents, and routes the claim to the right handler.
We would rather tell you now than take the project and disappoint you.
| Starts from | $8,000, fixed price per phase |
|---|---|
| Typical timeline | 6–14 weeks |
| Best for | Independent P&C agencies, MGAs, wholesale brokers and insurtech startups |
| Not for | Carriers replacing a core policy administration or billing system |
| Works with | Applied Epic, AMS360, HawkSoft, EZLynx and others, where the vendor allows access |
| Common first build | An intake or quote form, a renewal tracker or commission matching |
| Security | Encryption, server-side permissions and audit logs. Not a certified audit |
| What you own | The code, the data and the hosting account |
Worth knowing: Insurance data is sensitive and often regulated, so the most important design decision is what not to collect. If a form only needs the last four digits of something, it should only ask for those. Collect less, keep it for less time, and encrypt what remains: it shrinks both the risk and the paperwork.
Multi-step forms that adapt to each line of business, from personal auto and home to BOP, GL and workers comp, check answers as they go, and send complete submissions.
Secure logins where clients see their policies and documents, and brokers track submissions without phoning underwriting.
First notice of loss collected online with photos and documents, and routed to the right handler with nothing missing.
Expiring policies flagged weeks ahead, with tasks and emails generated automatically.
Certificates of insurance and standard documents filled from policy data, under your agency's own ACORD forms license or a licensed vendor's.
Carrier statements imported and matched against expected commission, with discrepancies listed rather than lost.
A 22-second look at insurance software we build for agencies and MGAs: one intake reaches the AMS, the rater and carrier portals, with an alert when a carrier call fails. From $8,000, 6–14 weeks.
Same client, re-keyed into the AMS, rater and portals. Typos follow the risk everywhere. Commissions matched line by line. A missed renewal becomes an E&O claim. There’s a better way. Insurance software that takes one entry to every system. Quote and application forms. Renewals and reminders. Commission tracking. From $8,000 · 6–14 weeks · fixed quote. Get a fixed quote. pixelandoak.com/services/insurance-software-development
Most agencies dislike something about their AMS, but switching rarely beats the disruption. We build around the one you have. Many vendors offer an API, a scheduled export or ACORD-standard data (forms, XML or AL3 downloads), though API access is often behind a partner program, an approval or a fee. We confirm what your vendor allows before quoting, and if there is no reliable way in, we say so instead of building on something fragile.
Custom is not always the answer. A rough guide to the options and what they cost:
| What you need | Best option | Rough cost |
|---|---|---|
| Your AMS already has the module | Use it, and set it up properly | Staff time |
| Only tracking certificates from vendors | A certificate-compliance subscription | A monthly fee |
| A full policy administration system for an MGA | A packaged MGA platform | A platform subscription and setup |
| An intake or quote form, a renewal tracker or commission matching | Custom, connected to your AMS | From $8,000 |
| A broker portal with several integrations | Custom, built in phases | We would expect to scope it at $20,000–$50,000 |
Each phase has a fixed price, agreed before work starts. Start with the gap that costs the most hours, prove it on one line of business, then extend.
Insurance data is regulated. Many US states have adopted the NAIC Insurance Data Security Model Law, which requires a written information security program. Businesses licensed in New York may also fall under the NYDFS cybersecurity rules (23 NYCRR 500), and the financial privacy rules under GLBA apply to customer data.
We build to support your program and the requirements your compliance adviser sets: encryption in transit and at rest, permissions checked on the server, audit logs, and retention rules agreed up front. This is careful engineering, not a certified audit or a compliance sign-off.
Deliberately mainstream choices. You should be able to hand this to any competent developer later without them needing to learn something exotic first.
Next.js, React, TypeScript, Tailwind CSS
Node.js, Next.js API routes, Cloudflare Workers
Postgres, Supabase, Cloudflare D1 and KV
Sanity, Payload, headless WordPress, or plain Markdown
Stripe, Shopify, WooCommerce
OpenAI, Anthropic, and open models where they fit better
Vercel, Cloudflare Pages — in your account, not ours
Plausible, Fathom, GA4, Search Console
Not sure whether custom insurance software is what you actually need? Send over what you are trying to fix and we will tell you straight — including if a smaller job would do it.
Ask us first →One line of business or one process, followed from first contact to bound policy or closed claim.
What your agency or policy system lets us read and write, confirmed before we quote.
A fixed price per phase, with staff testing each step on a staging version.
Live on one line of business first, then extended once it has proven itself.
AI agents from our Engineering, Quality & Security and Design & Film divisions do the work, in parallel. Haider Ali, founder and CEO, agrees the plan with you and signs off everything before it reaches you.
Real work that uses the same skills. Every card links to something you can open and inspect yourself.
Thirteen building-trade calculators that draw every result to scale and check it against building code.
Headless ShopifyA Next.js store with a towel designer. Every order reaches Shopify as a draft order through the Admin API, with live carrier shipping rates.
Focused tools such as an intake portal, a renewal tracker or commission matching start at $8,000. We would expect a broker portal with several integrations to be scoped at $20,000–$50,000. Each phase has a fixed price agreed before work starts, and afterward you pay for hosting.
Six to fourteen weeks for a focused tool such as an intake form, renewal tracker or commission matching. We launch on one line of business or one process first, then extend it once it has proven itself, so your staff are not retrained on everything at once.
Often, but it depends on what your vendor exposes: an API, scheduled exports or ACORD-standard data. API access may need the vendor's partner program, approval or a fee. We check that first and tell you what is possible before you commit to anything.
Usually build around it. Switching an AMS means migrating years of data and retraining everyone, and most agencies decide the disruption is not worth it. Small tools that fill the gaps, connected to the AMS you have, fix the daily pain for far less.
An agency management system, or AMS, is the core software an insurance agency runs on: clients, policies, activities, documents, and often accounting and commissions. Applied Epic, AMS360, HawkSoft and EZLynx are common examples. Custom tools usually sit around the AMS and feed it, rather than replacing it.
ACORD forms are standard insurance forms, such as applications and certificates of insurance, published by ACORD, a nonprofit standards body. They give carriers information in a familiar layout. The forms are copyrighted, so software that fills them runs under the agency's own ACORD license or a licensed vendor's.
Most agencies use a spreadsheet, which works until the statements multiply. A better setup imports each carrier statement, matches it against the commission expected on each policy, and lists differences such as missing payments or chargebacks. We build that matching on your AMS data, so nothing slips through.
We build with encryption in transit and at rest, permissions checked on the server, audit logs, and retention rules agreed up front. Many US states have adopted the NAIC Insurance Data Security Model Law, which requires a written security program; we build to support yours and to the requirements your compliance adviser sets.
For carriers we build the edges: customer portals, claims intake, broker tools and reporting. Replacing a core policy administration or billing system is a different scale of project, and we would point you elsewhere.
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