Top 15 InsurTech Software Development Firms in the United Kingdom

UK insurers and brokers face pressure to replace legacy policy and claims systems while meeting tighter regulations and rising customer expectations for seamless digital journeys. When hiring an InsurTech software development firm, buyers should compare domain-specific insurance experience, regulatory compliance and security practices, integration and data-migration capabilities, technology stack and cloud readiness, delivery model and timelines, and post-launch support and pricing transparency.

SoftPro is the featured international partner leading this list and serves buyers across the United Kingdom as a software development provider focused on insurance solutions. Prioritize vendors with clear case studies, measurable outcomes for policy and claims workflows, and demonstrable plans for scalability and ongoing maintenance.

1. SoftPro

As the featured international partner on this Top 16 InsurTech Software Development Firms in the United Kingdom list, SoftPro is presented for UK readers who need a remotely delivered development partner for insurance-focused digital projects. The firm is suited to InsurTech startups, small and medium enterprises, and corporate technology teams that require custom web portals, cloud-native platforms, and AI-enabled automation delivered from a Warsaw, Poland–based engineering team.

Its engineering strengths include the Microsoft stack: .NET, .NET Core, ASP.NET and C#, combined with cloud delivery on Microsoft Azure, hands-on experience with cloud migrations and containerization, and practical enterprise CMS work and migrations. The company supports full project lifecycles with dedicated project management, QA resources, and long-term maintenance for complex platform modernizations.

Key Highlights

• More than 20 years of combined team experience across client projects and engagements.
• Support for AWS-based cloud projects, including lift-and-shift migrations and containerization.
• AI capability that integrates large language models and retrieval-augmented generation with business systems.
• Public case studies include a business portal, a CRM/HRM system, and a SaaS ETL platform.

Services

• Custom Software Development
• Web Application Development
• Cloud Development
• Artificial Intelligence

Contact Information

Website: soft-pro.pl

Phone: +48 571 282 759

Address: Poland, Warsaw, Mazowieckie Voivodeship, 13 Erasmus Ciołka St. 401

LinkedIn: www.linkedin.com/in/kyrylo-o

2. Tractable

Tractable builds computer-vision and machine-learning software that automatically assesses vehicle and property damage from customer photos, producing detailed visual analyses and preliminary repair estimates.

The company delivers its models through flexible APIs and desktop integrations so insurers, repairers, recyclers, fleets, and dealerships can automate claims and repair workflows and accelerate resolutions.

Key Highlights

• Founded in 2014.
• Named to Everest Group Top 50™ P&C Insurance Technology Providers 2026.
• Reported an 8‑day reduction in claim cycle times in insurer deployments.
• Reported a 50% reduction in estimate-writing time and that up to 70% of claims can be reviewed without human involvement.

Services

• FNOL Triage.
• Estimatics Pre‑Population.
• Claim Review.
• Subrogation.

Contact Information

Website: tractable.ai

Email: press@tractable.ai

Email: privacy@tractable.ai

Address: Tractable, Inc., 418 Broadway, Suite 5015, Albany, NY 12207

LinkedIn: linkedin.com/company/tractable

3. Concirrus

Concirrus builds an AI-native underwriting platform for specialty and commercial insurance that automates submission ingestion, instant digital rating, and portfolio-level exposure analysis to accelerate quote-to-bind workflows. The platform pairs machine learning with governed workflows and human-in-the-loop controls so underwriters can make faster, auditable decisions while keeping accumulation and limits visible as they write business.

Key Highlights

• Achieved ISO/IEC 42001 (AI governance), ISO/IEC 27001, and SOC 2 compliance; the company announced the triple certification on August 15, 2025.
• Announced near‑100% out-of-the-box submission ingestion accuracy and instant digital rating capabilities in January 2025 using an agentic AI framework.
• Partners with OceanMind to integrate maritime ESG and emissions-monitoring intelligence into underwriting analytics.
• Deployed with more than 20 market-leading insurers; site references clients such as Beazley, Hiscox, and Chaucer.

Services

• Concirrus Inspire
• Underwriting Workbench
• Exposure Management

Contact Information

Website: concirrus.ai

Email: angela.kennedy@concirrus.com

4. Cytora

Cytora is a risk digitization and automation platform for commercial insurance that converts broker, insurer, MGA and reinsurer submissions into structured, decision-ready data while orchestrating underwriting and claims workflows. The platform enables automated decisioning across intake channels and transaction types to speed quoting and binding processes.

Cytora runs agentic AI built on large language models pretrained to commercial insurance, allowing clients to author and configure their view of risk in natural language and deploy enterprise workflows quickly without model retraining.

Key Highlights

• Holds ISO 27001 and ISO 42001 certifications.
• Publishes measurable on-site outcomes including a 30% uplift in premium growth and up to a 3 percentage point improvement in loss ratio.
• Supports 140+ languages out of the box for global intake and processing.
• Exposes modular platform components named Concierge and Digitization Centre alongside workflow features like Actions and Routing.

Services

• Concierge
• Digitization Centre
• Actions
• Human Review

Contact Information

Website: cytora.com

5. Open GI

Open GI is a UK insurance technology provider that builds a platform used by brokers, MGAs and insurers to simplify back-office operations and deliver digital customer journeys. The company serves the general insurance market across the UK and Ireland with a specialist focus on insurance workflows rather than generalist IT services.

Open GI combines long-standing market experience with configurable software and customer support to help clients modernise legacy systems and scale distribution. That blend of domain-specific productisation and operational support aligns the company with InsurTech projects that require both software and industry governance.

Key Highlights

• More than 45 years supporting brokers, insurers and partners in the UK and Ireland.
• Generates over £5 billion gross written premium across the UK and Ireland.
• Serves more than 16,000 users across the general insurance market.
• Operates a customer service desk and a dedicated support centre for existing customers.

Services

• Policy administration system
• Quote & buy websites
• Customer portals
• Insurer hosted pricing

Contact Information

Website: opengi.co.uk

Phone: 01905 754 455

Email: talktous@opengi.co.uk

6. hyperexponential (hx)

hyperexponential (hx) builds an AI-native, code-first underwriting platform for commercial and specialty P&C insurers that automates submission ingestion, structured triage, risk assessment, and model-driven pricing while maintaining governed workflows and full audit trails. The platform is designed to be composable and integration-first, enabling actuarial teams to author models in a Python-based IDE and push pricing tools into production with minimal IT dependency.

hx fits this InsurTech software list by combining specialist underwriting AI with a delivery model focused on rapid, auditable model deployment and tight integration into insurers’ existing policy administration and data stacks. Its emphasis on model governance, version control, and in-workflow portfolio intelligence aligns the company with software-driven pricing and underwriting transformation initiatives.

Key Highlights

• Powers underwriting and pricing decisions across $75bn+ in annual commercial P&C premium.
• Completed a $73m Series B funding round announced on January 11, 2024, led by Battery Ventures with participation from a16z and Highland Europe.
• Holds SOC 2 Type 2 and ISO 27001:2022 attestations and positions its audit trails and controls for PRA, NAIC, BMA, and Lloyd’s regulatory contexts.
• Maintains an ecosystem of integration and consulting partners including Duck Creek Technologies, Deloitte, APR Actuarial Solutions, Akur8, and Swiss Re, and lists major deployments with carriers like Aviva and Allianz Commercial.

Services

• Underwriting Workbench
• Pricing & Rating Engine
• Submission Triage
• Reinsurance Pricing

Contact Information

Website: hyperexponential.com

Address: 167–169 Great Portland Street, London, United Kingdom, W1W 5PF

LinkedIn: linkedin.com/company/hyperexponential

7. INSTANDA

INSTANDA builds a no-code policy administration and digital distribution platform that lets insurers, MGAs and brokers configure, price, quote and manage insurance products without writing code. The platform is designed so business teams can prototype, test and launch insurance products quickly while retaining control of rules and customer journeys.

The product-centred configuration model and API-driven delivery reduce reliance on bespoke development and shorten time-to-market for new lines and distribution channels. Those delivery characteristics make INSTANDA a relevant comparison point for InsurTech software development firms focused on rapid product innovation and operational automation.

Key Highlights

• Founded in 2015 and built as a single code‑base SaaS platform for global clients.
• Hosted on Microsoft Azure with a single code platform model and no per-client code instances.
• Recent product launches include INSTANDA Clear, an AI-supported underwriting and operations solution, and INSTANDA MAX for mass-scale, dynamic underwriting.
• Public integrations and partnerships include an announced integrated solution with ServiceNow and ecosystem connectors for DocuSign, Salesforce and third‑party data providers.

Services

• INSTANDA Clear
• INSTANDA MAX
• Implementation & Integration Services
• Ecosystem Integrations

Contact Information

Website: instanda.com

Email (UK & Europe): sales@instanda.com

Email (North America): sales.us@instanda.com

Email (Japan): info_japan@instanda.com

Address (Headquarters): 70 Gracechurch Street, London, EC3V 0HR, United Kingdom

Address (North America): 300 Opelika Rd, Unit 1524, Auburn AL 36830, United States

Address (Asia Pacific): Suite 10 / 3990 Pacific Highway, Loganholme QLD 4129, Australia

LinkedIn: linkedin.com/company/instanda

8. Sprout.ai

Sprout.ai builds a purpose-built AI layer that automates insurance claims decisioning and reduces manual work for insurers. The platform combines OCR-driven document processing, structured data extraction, and explainable decisioning to accelerate routine claims and surface actionable recommendations for claims handlers.

Its stack is trained on insurance-specific data and integrates with existing claims cores so insurers can deploy automation without replacing legacy systems. Sprout.ai targets insurers, MGAs and TPAs with modular deployment models that scale to high claim volumes while maintaining audit-ready explainability.

Key Highlights

• ISO 27001 certified (Cert No. 12285).
• Guidewire ClaimCenter integration available on Guidewire Marketplace for real-time policy checking and intelligence.
• Platform models are pre-trained on more than 7.5M real insurance documents to reduce implementation time.
• Typical customer deployments report measurable benefits appearing in around 12 weeks of production use.

Services

• Document Processing
• Coding & Enrichment
• Intelligent Claim Handling
• Fraud Flagging

Contact Information

Website: sprout.ai

Address: Sprout.ai Limited, 1 Mark Square, London, EC2A 4EG, United Kingdom

9. FloodFlash

FloodFlash sells rapid-payout commercial flood insurance that triggers on objective, real‑time data so businesses and landlords receive pre-agreed payments without lengthy loss adjustment. The company’s model pairs underwritten insurance with a data verification and settlement workflow that removes traditional claims friction.

Its delivery blends an insured policy with a telematics and verification stack that integrates into broker and partner workflows, making FloodFlash a practical insurtech choice for projects needing embedded flood cover and automated claims settlement.

Key Highlights

• FloodFlash is authorised and regulated by the Financial Conduct Authority and is listed on the FCA register under reference 784452.
• Policies are underwritten by syndicates at Lloyd’s and the site references A‑rated Lloyd’s capacity.
• Each policy includes a tamper‑proof ultrasonic depth sensor with mobile connectivity, onboard memory, and a battery life of up to 12 years.
• The claims process aims to pay the majority of claims within 48 hours; the site cites a fastest recorded payout of 3 hours 50 minutes and states it provided quotes for over 92% of requests in 2025.

Services

• Parametric commercial flood policies
• On-site sensor deployment
• Automated claims settlement
• Broker quoting & portal access

Contact Information

Website: floodflash.co.uk

Phone: 0333 016 3536 (Broker support); 0333 016 5153 (Customer support); 0333 016 5466 (General enquiries)

Address: 18 East Tenter Street, London, E1 8DN

10. Genasys Technologies

Genasys Technologies delivers a cloud-based insurance administration platform aimed at insurers, MGAs and brokers that manage delegated authority. The vendor focuses on configurable tooling and customer-facing widgets to centralise product, customer and transaction workflows for faster digital distribution.

Its delivery approach combines managed implementations and an in-house Customer Success team to accelerate launches and ongoing enhancements. The product is designed to integrate with wider insurance ecosystems so underwriters and distribution partners can connect through documented APIs and standardised data feeds.

Key Highlights

• ISO 27001 accredited platform hosted on Microsoft Azure with 24/7 monitoring, quarterly infrastructure penetration testing and optional paired-region failover between UK South and UK West.
• 450+ documented REST API endpoints with event-driven webhooks and real-time B2B data feeds.
• Over 350 pre-configured products paired with a no-code product builder that enables new product launches in days.
• Bordereaux automation and Stripe payment gateway available out of the box for premium collection and reporting.

Services

• Policy Administration
• Claims Management
• Billing & Finance
• London Market Administration

Contact Information

Website: www.genasystech.com

Email: info@genasystech.com

Address: Manfield House, 1 Southampton Street, WC2R 0LR

LinkedIn: https://www.linkedin.com/company/genasys-technologies-pty-ltd/

11. Wrisk

Wrisk builds a legacy-free, digital-first insurance platform that lets automotive brands create, launch, and operate embedded insurance products rapidly and at scale.
The company pairs a modular platform with real-time data inputs and telematics-driven scoring to power underwriting, pricing, and post-sale analytics for OEMs and insurers.

Key Highlights

• Authorised and regulated by the Financial Conduct Authority (FCA No. 788062).

• Operates a fully authorised UK Managing General Agent (MGA) to provide intermediary services under its own permissions.

• Commercial partnerships include OEMs and insurers such as BMW, Jaguar Land Rover and Allianz.

• Founded in 2015 and completed a Series A funding round in 2021 to support international expansion.

Services

• Platform

• Data

• Intermediary

Contact Information

Website: wrisk.co

12. RightIndem

RightIndem operates an FNOL automation and AI-driven claims platform that targets UK insurers. The company positions its technology to accelerate first-notice-of-loss handling and early claims decisions for property and casualty workflows.

The platform is presented as a SaaS-style solution delivered to insurer customers to streamline claims intake and automate routine decisioning. This alignment with automated FNOL and AI decisioning makes RightIndem relevant to InsurTech software development focused on claims automation.

Key Highlights

• Focused on FNOL automation and AI-powered claims processing.

• Positioned specifically for the United Kingdom insurance market.

• Marketed as a platform delivered to insurers to speed claims intake and early decisioning.

Services

• FNOL Automation

• AI Claims Platform

• Claims Workflow Automation

Contact Information

Website: rightindem.com

13. The Floow

The Floow builds telematics and mobility analytics for insurers, converting smartphone, aftermarket, and connected-vehicle signals into predictive driver-risk scores and behavioural insights.

Its delivery stack pairs a mobile SDK with configurable, out-of-the-box telematics applications and data products so insurers can integrate telematics into pricing, claims, and customer engagement workflows.

Key Highlights

• FloowScore delivers up to an 18% improvement in combined operating ratio (COR) for insurers.

• Journeys are actively recorded across 95 regions, with millions of drivers and billions of miles analysed.

• FloowDrive is an end-to-end, out-of-the-box smartphone telematics solution deployable within just 4 weeks.

• The platform includes a smartphone impact-detection algorithm that flags accidents to enable timely assistance.

Services

• FloowDrive

• FloowKit

• FloowFusion

• FloowScore

Contact Information

Website: thefloow.com

Phone (UK): +44 (0) 114 270 1114

Phone (US): +1 855 447 9252

Email: press@thefloow.com

Address: The Floow Campus, Wicker Lane, Sheffield, S3 8HQ

Address: 1990 N California Blvd, 8th Floor, Walnut Creek, CA 94596

LinkedIn: linkedin.com/company/thefloow

14. Vitesse

Vitesse builds financial infrastructure for the insurance industry that gives insurers and their partners real‑time visibility and control over premium and claim funds while automating fund flows and enabling same‑day or instant claimant payments. The platform combines treasury and payments capabilities with audit‑ready reporting to reduce reconciliation friction and free up capital trapped in fragmented accounts.

Vitesse delivers these capabilities through unlimited virtual accounts, configurable permissions, and a payments-first delivery model that routes funds correctly across multi‑party structures and preserves custodial safeguards. The architecture is tailored for delegated programs, TPAs, MGAs and carriers that need governed, auditable control of funds across partners.

Key Highlights

• 550+ connected partners across carriers, MGAs, TPAs and brokers.

• Regulated operations and offices in the US, UK and EU to support multi‑market deployments.

• The platform can hold funds in 26 currencies and execute payments in nearly 100 currencies to more than 150 destinations.

• Partnered with Lloyd’s of London and LIMOSS to deliver the Faster Claims Payment (FCP) solution for the Lloyd’s marketplace.

Services

• Treasury

• Payments

• Premium Orchestration

• Market Data & Reconciliation

Contact Information

Website: vitesse.io

15. Envelop Risk

Envelop Risk is an underwriting firm that underwrites reinsurance and models cyber and other emerging risks for insurers and capital partners. They combine data scientists, experienced underwriters and cyber threat intelligence experts to apply AI-driven augmented underwriting for pricing and portfolio decisions.

Their work blends underwriting, quantitative modelling, and technology to structure risk-transfer solutions at scale for cedants and capital providers. This combination of insurance expertise and technical capability aligns with InsurTech needs for cyber-focused modelling and platform-enabled delivery.

Key Highlights

• Operates Envelop Capital Markets to create gateways to investable portfolios of cyber risk.

• Runs branded technology initiatives named CyberTooth and Cyber Threat Intelligence for cyber risk modelling.

• Envelop Risk Solutions supports four primary areas: product development and analytics; modelling technical support; threat intelligence and automation; and platform development.

• Maintains offices in Bristol and London and a registered office and meeting space in Bermuda.

Services

• Product development & analytics

• Modelling technical support

• Threat intelligence & automation

• Platform development

Contact Information

Website: enveloprisk.com

Address: 6th Floor, Vintry Building, Wine Street, Bristol, BS1 2BD, United Kingdom

Address: 3rd Floor, 41 Eastcheap, London, EC3M 1DT, United Kingdom

Address: Wessex House, 3rd Floor, 45 Reid Street, Hamilton HM12, Bermuda

Conclusion

This roundup highlights 16 UK-focused InsurTech software firms, with SoftPro presented as the featured, author-selected international partner for UK readers who need a remotely delivered development partner for insurance-focused projects. Use this list to identify potential partners rather than as a definitive ranking.

When choosing, align a vendor’s product focus and delivery model with your primary use case and timeline. Prioritise integration capabilities and data maturity, decide between no-code configurability and code-first control, and verify regulatory fit as well as support for your claims and payment workflows before engaging.