THIS IS
OPENINSURE.
Edge-native, API-first policy administration for MGAs and specialty carriers. Built for sub-50ms global latency with atomic financial guarantees.
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POLICY
INFRASTRUCTURE
Four integrated modules forming the backbone of modern insurance operations.
Policy Administration
Full lifecycle management from quote to bind with 17 validated state transitions.
Rating Engine
Deterministic factor chains with 38 modules for class codes, territory, and CSA scoring.
Claims Management
FNOL through closure with fraud scoring, IBNR reserves, and SIU referral automation.
Billing & Ledger
Hardware-accelerated double-entry ledger for mathematically perfect premium splits.
ENGINEERING
THE TRUTH
Not a wrapper. A full-stack insurance core with real-time pro-rata rating and atomic ledgers for mathematically perfect financial transactions.
// Policy creation with automatic rating
const policy = await openinsure.policies.create({
effectiveDate: '2026-03-01',
lines: ['general-liability'],
classCode: '54110',
territory: 'IL-Chicago',
limits: { occurrence: 1000000, aggregate: 2000000 }
});
// Real-time premium calculation
const quote = await openinsure.rating.calculate(policy);
// → { premium: 12450, modifiers: {...}, expiresAt: ... }
// Atomic ledger entry (double-entry)
await openinsure.ledger.postPremium({
policyId: policy.id,
amount: 12450,
entries: [
{ account: 'premium-written', credit: 12450 },
{ account: 'premium-due', debit: 12450 }
]
});STATEFUL
AI AGENTS
15 persistent agents with built-in hibernation. They wake instantly on demand and maintain the authoritative state of every policy lifecycle.
SubmissionAgent
Extracts data, enriches with FMCSA, runs rating chains
ClaimAgent
8-rule fraud engine, auto SIU referrals at score ≥50
BordereauxAgent
Monitors limits, compiles carrier reports, enforces domicile rules
UnderwritingAgent
Appetite scoring with SpiceDB permission checks
THE INFRASTRUCTURE STACK
Atomic Ledger
Every premium split, every commission, every claim dollar: double-entry, penny-perfect, auditable to the cent.
Edge Runtime
300+ points of presence. Stateful agents, workflows, and APIs at the edge. Zero cold starts. Zero region locks.
Neural Core
Vectorized knowledge retrieval. Complexity-routed AI. Agents that hibernate, wake instantly, and reason over your entire book.
BUILD THE
FUTURE CORE.
Join the next generation of insurers building on modern infrastructure.