Insurance Software Development

The ACORD standard defines message formats for quoting, binding and claims, but implementation still varies enough between carriers that a working integration needs partner-specific field mapping, not just a schema validator. We build the exchange layer to accept both ACORD XML and the older AL3 format where legacy systems still send it, and we keep a mapping table per trading partner so onboarding a new carrier connection does not mean rewriting the core integration.

Where a carrier's ACORD implementation is incomplete or inconsistent, we build a fallback path (direct API calls, secured file transfer, or a manual reconciliation queue) rather than letting a mismatched field silently drop data.

We design FNOL intake to work across the channels claimants actually use, phone, web form and mobile upload for photos and documents, feeding into a single claims record. Fraud-scoring checkpoints run at intake and again before payout, using rules and, where volume justifies it, a model trained on your historical claims data, so speed and scrutiny apply at the right points in the process rather than uniformly across every claim.

Motor vehicle records, LexisNexis and Verisk risk data, and internal loss history all use different identifiers and refresh on different schedules. We build a normalization layer that resolves these into one risk profile per applicant, with source and freshness visible to the underwriter, so a stale data point does not get treated the same as a same-day pull.