Insurance & risk
software development services
Claims automation, policy administration, and AI-powered underwriting tools — engineered for the accuracy, compliance, and scale that insurance workflows demand.
Our expertise
Expertise that modernises insurance platforms without the risk
We have been building insurance and risk technology for nine years — working with carriers, MGAs, brokers, and insurtech businesses who need platforms that handle the complexity of insurance workflows without compromising on compliance or reliability. With ATS Global as your technology partner, you focus on underwriting and customer relationships while we manage the complexity of your systems.
Modern insurance technology isn’t just about digitising existing processes — it’s about using data and automation to make better risk decisions, serve customers faster, and satisfy regulators without drowning in manual reporting. ATS Global builds platforms that reduce claims handling time, improve underwriting accuracy, and create audit trails that make compliance a by-product of normal operations.
Challenges in insurance & risk
The technology problems that drive up combined ratios and compliance risk every day — and the ones we’re built to solve.
Paper-driven claims lodgement, manual data extraction from documents, and email-based approval workflows are slow, error-prone, and impossible to scale without proportional headcount growth.
Evolving regulatory requirements — Solvency II, IFRS 17, GDPR, and state-level filing mandates — demand traceable, auditable systems that manual processes and legacy platforms simply cannot provide.
Ageing policy administration cores that can't expose modern APIs make every new digital channel — aggregator integration, mobile app, customer portal — a costly, high-risk integration project.
Our offerings
Solutions across the full insurance value chain
From policy administration and claims automation to agent portals and regulatory reporting — we cover every technology layer that modern insurers need to operate efficiently and grow.
Talk to an expertEnd-to-end policy lifecycle platforms covering quoting, binding, endorsements, renewals, and cancellations — with configurable product rules and multi-line support built in.
Digital claims intake, straight-through processing, reserve management, and settlement workflows that reduce handling time, cut manual touchpoints, and improve claimant satisfaction.
Self-service portals that give agents and brokers real-time access to policy data, quote tools, commission statements, and client communications — reducing back-office call volume.
Policyholder portals for certificate download, claims lodgement, payment management, and policy updates — available 24/7 and optimised for mobile access.
Digital underwriting tools that surface risk data, automate referral rules, and streamline the submission-to-bind workflow — giving underwriters the information they need without manual data gathering.
Extraction and classification pipelines that turn forms, medical reports, invoices, and PDFs into clean structured data — feeding downstream systems without manual re-keying.
High-availability pricing and risk scoring APIs with sub-50ms latency — exposing your rating engine to digital channels, aggregators, and partner ecosystems at scale.
Automated reporting workflows for Solvency II, IFRS 17, state filings, and internal audit — with audit trails, version control, and sign-off workflows that make submissions defensible.
Our process
How we build insurance platforms
A structured approach that manages the complexity of live insurance operations and regulatory obligations — delivering improvements at each phase without disrupting the policies and claims your business is already managing.
Discovery & process mapping
We map your policy lifecycle, claims workflows, underwriting rules, and regulatory obligations — documenting current-state gaps and the specific business outcomes each system change needs to deliver.
Architecture & API design
We design an API-first platform architecture that exposes your rating engine, policy data, and claims status to digital channels without requiring a full core-system replacement upfront.
UI/UX for agents & customers
Intuitive interfaces for agents, underwriters, claimants, and policyholders — designed with real users and tested for the specific workflows each role performs most frequently.
Agile development
Iterative sprints deliver working features into staging every two weeks — with regular reviews by underwriting, claims, and compliance stakeholders to validate that what we are building matches operational reality.
Integration & data migration
We connect new platforms to legacy policy cores, third-party data providers, payment gateways, and document management systems — with validated data migration that preserves historical policy and claims records.
Compliance & security testing
Security penetration testing, data-privacy assessment, and compliance validation against applicable regulatory frameworks before any system touches live policyholder data.
Go-live & support
Structured go-live with parallel run period, hypercare support, and a continuous improvement programme that adapts the platform as your product portfolio and regulatory environment evolves.
Ready to modernise your insurance platform?
Talk to our insurance technology specialists today and get a clear plan for automating claims, modernising policy systems, and meeting your regulatory obligations.
Get a quoteWhat makes us unique
Your insurance transformation starts here
We combine deep insurance domain knowledge with modern engineering to deliver platforms that reduce operational costs, improve customer experience, and satisfy regulators — without the delivery risk of big-bang replacement programmes.
Insurance domain expertise
Our team understands actuarial concepts, policy lifecycle complexity, claims adjudication workflows, and the regulatory landscape that makes insurance software fundamentally different from general enterprise applications.
Compliance built in from day one
Regulatory requirements are architectural decisions, not afterthoughts. We design audit trails, data retention policies, consent management, and reporting workflows into the platform from the first sprint.
AI-augmented claims & underwriting
We implement document intelligence, risk scoring, and straight-through processing automation that reduces manual touchpoints without removing the human judgement that complex cases require.
Legacy modernisation approach
We de-risk transformation by building a modern API layer that exposes your existing policy core to new digital channels — delivering value to agents and customers without a big-bang core replacement.
High-availability API engineering
Rating engines and claims APIs that stay available at sub-50ms latency under peak demand — built with active-active redundancy and circuit-breaker patterns that keep your digital channels online even if a subsystem degrades.
Audit trail & data governance
Every policy change, claims decision, and underwriting action is recorded with full context — who, what, when, and why — in an immutable audit log that satisfies regulators and makes disputes tractable.
Innovation-driven capabilities
Technology that improves loss ratios and customer outcomes
We embed AI and data capabilities that move the needle on the metrics that matter in insurance — combined ratio, claims handling time, fraud losses, and customer retention.
AI document intelligence
Computer vision and NLP models that extract structured data from unstructured claims documents — medical reports, loss assessments, invoices — at high accuracy and volume, eliminating manual intake bottlenecks.
Predictive risk scoring
Machine learning models trained on claims history, third-party enrichment data, and behavioural signals — improving risk selection accuracy, reducing loss ratios, and enabling dynamic pricing at the individual policy level.
Real-time fraud detection
Anomaly detection models that flag suspicious claims patterns — duplicate submissions, staged accidents, inflated valuations — at lodgement, enabling early intervention before settlement rather than recovery after payment.
Telematics & IoT integration
APIs that ingest telematics, smart home, and wearable data into your underwriting and pricing engine — enabling usage-based insurance products and proactive risk-prevention services that differentiate on value, not just price.
Featured work
Proven delivery across complex, regulated industries
Explore our portfolio of enterprise platforms, portals, and digital products delivered across sectors — from government and banking to healthcare and beyond.
Explore our workLet’s work together
Let’s modernise your insurance platform.
Tell us about your business and what you need your technology to achieve. We respond within one business day and can provide a customised quote for your requirements.