Software development and AI pod teams for insurance

Ryz staffs senior Latin American engineers and dedicated AI pod teams for carriers, MGAs and brokers. Our teams build and modernize policy administration, claims, rating and distribution systems, integrate with platforms like Guidewire and Duck Creek, and ship intake, claims triage and fraud detection systems into production in your cloud. They work on US business hours, so your product, actuarial and claims teams get same-day answers.

What we build for insurance teams

Insurance software is a set of long-lived records: a policy can be endorsed, renewed and audited for years, and a claim may stay open longer. Our engineers work on:

• Policy administration. Product configuration, quoting, binding, endorsements, renewals and cancellations, on Guidewire PolicyCenter, Duck Creek Policy, Majesco or custom platforms.
• Rating engines. Rate tables, factor logic and versioning so the rates in production match the rates filed with each state, with test harnesses that prove it.
• Claims systems. First notice of loss, coverage verification, reserving, payments, subrogation and litigation management, including Guidewire ClaimCenter configuration in Gosu.
• Billing. Installment plans, agency and direct bill, commissions and premium reconciliation.
• Agent and broker portals. Quote-and-bind experiences, submission intake for commercial lines and comparative rater integrations.
• Underwriting workbenches. Submission triage, third-party data prefill, referral rules and underwriter notes in one view.
• Data and reporting. Loss runs, bordereaux for MGAs and reinsurers, statistical reporting and actuarial data marts.

Where AI pods help in insurance

Insurance runs on documents and phone calls, which makes it a strong fit for production AI, as long as the system respects state regulators' expectations for AI used in underwriting and claims. An AI pod builds these in your cloud:

• Submission and document intake. Extracting exposures, schedules and loss history from ACORD forms, broker emails, SOVs and loss runs. The challenge is messy spreadsheets and PDFs, and routing uncertain fields to an underwriting assistant rather than guessing.
• Claims triage and adjuster assist. Summarizing claim files, medical records and correspondence, and suggesting next steps. Coverage decisions stay with the adjuster.
• Claims fraud detection. Scoring claims and supporting documents for anomalies and linking related parties. Our pod that built fraud detection for a global fleet company surfaced $5.94M in fraud confirmed by the client's own fraud team. See our case studies.
• Voice agents for FNOL and service calls. Taking first notice of loss, checking claim status and handling policy service requests by phone. Our pods have built an AI voice platform that has placed more than one million outbound calls. See AI voice agent development.
• Underwriting guideline retrieval. Answering underwriter questions from guidelines, appetite documents and reinsurance treaties, with citations.

Regulations and constraints our engineers work within

Insurance is regulated state by state. Our engineers have experience working within the rules below, alongside your compliance, legal and actuarial teams. Ryz does not certify systems or give regulatory advice.

• NAIC Insurance Data Security Model Law. Adopted in many states, it requires an information security program, risk assessment and notification of cybersecurity events.
• NAIC Model Bulletin on the Use of AI Systems by Insurers. Adopted by a growing number of states, it expects a written AI program, governance, testing for unfair discrimination and oversight of third-party models.
• Colorado SB21-169. Restricts unfairly discriminatory use of external consumer data, algorithms and predictive models, with governance and testing regulations starting with life insurers.
• NYDFS Part 500 and Circular Letter No. 7 (2024). New York cybersecurity requirements, and expectations on AI and external consumer data in underwriting and pricing.
• Rate and form filing. State approval of rates, rules and forms, typically through SERFF, which means code must implement exactly what was filed.
• Unfair claims settlement practices. State laws based on NAIC models that set timelines and standards for claim handling, which affect automation and correspondence.
• HIPAA and GLBA. HIPAA for health plans and medical information in claims, and GLBA privacy rules for consumer financial information.

Integrations and data

• Core suites: Guidewire InsuranceSuite (PolicyCenter, ClaimCenter, BillingCenter) and its Cloud API, Duck Creek, Majesco, Sapiens and Insurity.
• ACORD standards, including ACORD XML, AL3 downloads to agency management systems and ACORD forms.
• Third-party data such as Verisk ISO forms and loss costs, LexisNexis CLUE and MVR reports, property and geospatial data, and telematics.
• Agency management systems such as Applied Epic and Vertafore AMS360, plus comparative raters.
• Payment, document generation and e-signature platforms, and data warehouses for actuarial work. See our legacy application modernization work for moves off mainframe policy systems.

Most insurance integration work is mapping. The same coverage looks different in ACORD XML, an AL3 download and a carrier's own API, so our engineers build a canonical policy and claim model with tests for each mapping, and flag fields that cannot be translated rather than dropping them silently.

How teams engage Ryz

Staff augmentation fits when you need senior people on existing teams: a Guidewire developer on a PolicyCenter upgrade, a Java engineer on the rating service, a data engineer on loss reporting. They work on your team and take direction from your leads. Our insurance software developers page covers the roles.

An AI pod fits when you want submission intake, claims triage or a voice agent built and in production. A pod is often around seven senior engineers including a tech lead, an ML engineer and backend engineers. A dedicated development team fits a scoped build, such as a new broker portal or a rating engine rewrite.

Rates run $7,000 to $10,000 per month for mid-level engineers, $10,000 to $15,000 for senior engineers and $15,000 and up for leads. Three senior engineers for eight months at $12,000 is $288,000. You see a plan, a price and the names of the people before work starts.

When Ryz isn't the right fit

• You want a licensed core platform or an insurtech product. Ryz staffs teams that build with you; it does not sell software.
• You need a systems integrator to run a multi-year core replacement program with its own methodology and governance, or a strategy firm. A large consultancy fits that.
• You need hourly freelancers or coverage in European or Asian time zones.

Related

• Financial services software development
• Healthcare software development
• Best fraud detection engineering teams
• AI agent development
• Partners to take an AI pilot to production

FAQ

How do your engineers handle policyholder and claims data?

They work in your environment and under your controls: your cloud, SSO, device policies and data access approvals. Claims data often includes medical information, so your security and privacy teams decide what engineers can reach, and many carriers use masked data outside production. Ryz holds no certification on your behalf.

Do you have Guidewire and Duck Creek experience?

Yes. Our engineers have configured and integrated Guidewire InsuranceSuite, including Gosu development and Cloud API integrations, and have worked with Duck Creek and other core platforms.

How does an AI pod address state AI rules for insurers?

The pod builds documentation, testing and monitoring into the system: data sources, evaluation results, bias testing your actuaries define, and human review on adverse decisions. Your compliance team uses that material for your AI program under the NAIC bulletin or state rules.

What does an insurance engineering team cost?

Typical rates are $7,000 to $15,000 per engineer per month by seniority, with leads at $15,000 and up. A project budget is team size times duration times rate, quoted per team.

Can a pod build a claims intake voice agent?

Yes. Our pods have built production voice agents, including a platform with more than one million outbound calls. For FNOL, the pod integrates with your claims system, telephony and escalation paths to a live adjuster.

Questions we didn't answer? Email info@ryzlabs.com.