Policies to claims, in one place.
Quote, issue policies, collect premiums, chase renewals and settle claims from one system — and give clients a portal where they can see their own cover and claim status.
Insurance system
For insurers, insurance agencies and brokers who have outgrown spreadsheets and email threads.
No licence fees
When policy records, receipts and claims live in different places, renewals slip and clients call to ask where their claim is. We bring it together, with accounting underneath.
- Clients & policiesPolicyholders, cover details, sums insured and documents.
- Products & ratesConfigure products, premium rates and add-on covers.
- QuotesGenerate quotes and convert them into policies.
- Premium billingDebit notes, receipts and balances per policy.
- EndorsementsMid-term changes with the premium adjusted automatically.
- RenewalsUpcoming renewals listed early, with reminders by email and SMS.
- ClaimsNotification, documents, assessment, approval and settlement.
- Client portalClients sign in to see their policies and claim status.
- Agents & commissionsTrack business by agent and calculate commission.
- ReportsPremiums, claims, renewals and commissions from the ledger.
From day one to year end.
A walk through the insurance cycle, step by step — what your team does, and what the system takes care of.
Client and quote
A client is created once and every quote, policy and claim links back to them. Quotes are built from your products and rates, so the premium is calculated the same way every time.
- Individual and corporate clients, with KYC documents
- Premium calculated from product rates, sum insured and add-ons
- Quote sent to the client by email as a PDF
- Accepted quote converts to a policy in one click
Policy issued
The policy is created with its cover period, insured items and terms. A debit note is raised for the premium and the policy documents are generated.
- Policy number and cover dates set automatically
- Insured items: vehicles, persons, property or other risks
- Debit note posted to the client’s account
- Policy schedule and certificate produced from templates
Premium collected
Premium can be paid in full or in instalments. Payments by M-Pesa, bank or cheque are allocated to the right policy, and the client’s balance is always up to date.
- M-Pesa and bank receipts allocated to policies
- Instalment plans with due dates and reminders
- Unpaid premium flagged before cover is affected
- Receipts emailed to the client automatically
Changes during cover
When something changes mid-term — a vehicle added, a sum insured increased — an endorsement updates the policy and the extra or refunded premium is calculated pro rata.
- Endorsements for additions, removals and changes
- Pro-rata premium adjustment worked out for you
- Additional debit or credit note posted
- Full history of every change kept on the policy
Claim lodged and settled
Claims are recorded against the policy, so cover is checked immediately. Each claim moves through clear stages, and both staff and the client can see where it stands.
- Cover and premium status checked when the claim is opened
- Documents collected and tracked against a checklist
- Assessment, approval limits and settlement steps
- Client sees claim status in the portal and gets updates by email
Renewal
Policies coming up for renewal are listed weeks in advance. Clients are reminded, renewal terms are prepared, and the renewed policy carries the history forward.
- Renewal list 30, 60 or 90 days ahead
- Reminders by email and SMS
- Renewal premium calculated from current rates and claims history
- Lapsed policies tracked for follow-up
Commissions and reporting
Commission is calculated on every premium received and tracked by agent. Finance and management get premium, claims and renewal reports straight from the ledger.
- Commission rates by product and agent
- Commission statements per agent
- Premium production, claims and loss reports
- All entries already posted to the general ledger
Why it costs less to run.
Proprietary systems charge per user, every month. Ours run on an open-source platform — you pay for setup, hosting and support, never per seat.
No licence fees
Our systems run on an open-source platform. Add users, branches or campuses without paying per seat.
Accounting built in
Every transaction posts to a real general ledger — no separate accounting package to reconcile.
M-Pesa, SMS & eTIMS
Payments, notifications and KRA compliance are part of the system, not add-ons.
Your data, your choice
Run it in our cloud or on your own server. You can always export everything.
Everyone sees their part.
Each person gets the screens and permissions for their role — and because there are no per-user fees, everyone who needs access can have it.
Clients
Sign in to the portal to see policies, download documents and follow claims.
Underwriting & sales
Prepare quotes, issue policies and handle endorsements.
Claims team
Register claims, track documents and move each claim to settlement.
Agents & brokers
See their business and commission statements.
Finance
Premium receipts, commissions and claims payments, already in the ledger.
Management
Production, renewals and claims reports whenever they need them.
What people ask us.
Something else? Ask us directly →
Does it work for agencies as well as insurers?
Yes. Agencies and brokers use it to manage clients across several underwriters, track premiums and renewals, and calculate commissions. Insurers use the full underwriting and claims flow.
What can clients do in the portal?
Clients sign in to see their active policies, download policy documents, and follow the status of their claims. It cuts down the calls and emails asking “where is my claim?”.
Which classes of insurance does it handle?
Products are configured rather than hard-coded, so motor, medical, property and other classes are set up with their own rates, insured items and documents. We configure your products during setup.
Can we see a live demo?
Yes — we run a demo system with sample policies and claims. Book a call and we’ll walk you through it, including the client portal.
What does it cost?
There is no per-user licence fee. You pay a one-off setup fee and a monthly fee for hosting and support, quoted after a short call based on your products and volumes.
SACCO system
Members, savings, loans and arrears in one controlled system — with interest calculated for you, M-Pesa and check-off repayments allocated automatically, and every entry posted to the ledger.
School management
Admissions, fees, exams and parent communication in one system. Parents pay fees by M-Pesa, balances update on their own, and report cards come out of the marks already entered.
Property management
Properties, units, tenants and leases in one system. Rent and service charges are invoiced every month on their own, tenants pay by M-Pesa, and you see exactly who owes what.
See it with your data.
A free demo, set up around how your organisation works. No slides — just the system.