Multi-insurer quoting
Customer details entered once, priced across every connected insurer, compared side by side.
Live in production
BrokingOS
Insurance distribution · IRDAI-licensed brokers
The problem
An insurance broker sells policies from many insurers. To quote a single customer, a broker logs into one insurer’s portal, types in the vehicle and customer details, notes the price, closes it, opens the next insurer’s portal, and types the same details again — six times, for one customer. The policy is recorded in a spreadsheet, the certificate is sent by messaging app, the renewal date lives in a diary, and the agents who sell on the broker’s behalf telephone the office for every quote.
Nothing about that is unusual. It is how most of the industry runs.
What we built
One system that does the whole job: compare quotes across every insurer the broker is appointed with, issue the policy, collect the premium, deliver the certificate, manage the agent network and their commission, and track every renewal before it lapses — under the broker’s own brand, on their own domain, using their own insurer appointments and codes.
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Payment and issuance
Premium collected and the policy issued in one flow, with the certificate delivered automatically.
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Agent network
Agents on their own application, with hierarchy, targets, and commission calculated and paid.
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Renewals
Every expiry tracked and surfaced before it lapses, with follow-up recorded against each customer.
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White-label
One platform serving many brokers, each seeing only their own brand, domain and data.
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Audit trail
An append-only record of every action, because in this industry a regulator can ask.
What was genuinely hard
Every insurer is a different integration. Different data shapes, different rules, different failure modes, and a separate approval process for each one. There is no shortcut and no library that does it for you.
Isolation had to be absolute. On a platform serving competing brokers, one broker seeing another’s customers is not a bug — it is an incident for both of them. Separation is enforced in the database and tested on every release.
Money has to be exactly right. Premiums collected, commissions split, payouts made — every rupee reconciled, with an append-only ledger, because in financial services an approximation is a liability.
Why this matters to a client who is not an insurance broker
Because it is proof we have done the difficult version. We have built and we still operate a system that handles other people’s money, connects to unforgiving external partners, keeps competitors’ data apart, and has to satisfy a regulator. Whatever we build for you inherits those habits — the security, the audit trails and the assumption that things will fail and must fail safely.