uBind · Insurance software

One platform powering customer apps self-service consumer direct affiliate schemes instant quotes underwriting niche schemes embedded cover broker portals

Quote, bind and service any line of insurance white-label customer apps, broker and agency portals, and underwriting tools, all driven from a single platform.

Book a demo Explore the platform
DVA customer app home screen on a phone
DVA · Customer app

Trusted by teams at

Platform architecture · 3D model

Four integrated layers.
One codebase. Global scale.

Rotate, focus, explore. uBind isn’t a stack of acquired tools stitched together — it’s one platform, four cleanly separated layers, every module talking to every other through the same internal API. Built for global deployment with multi-region data residency.

The platform anatomy, shown in 3D.

Each layer is independently scalable, individually deployable, and globally available across AWS, Azure, and GCP regions. Click a layer below to focus the model — and see what lives on it.

L4 Channels & experiences Direct, broker, embedded, partner — every distribution surface, branded as you.
L3 Product engine & rating Built-in rating engine. AI product builder. Prompt in plain language, not code.
L2 Lifecycle & operations Quote, bind, MTA, renewal, claims, documents, payments, commissions, accounting.
L1 Core platform & compliance Multi-tenant infrastructure, audit log, SSO, role permissions, ISO 27001, PCI-DSS
L1 · Core & compliance
uBind core multi-tenant
Audit log
SSO · OIDC · SAML
Multi-region data
ISO 27001 · PCI-DSS
L2 · Lifecycle & ops
Quote / Bind
Document gen
Renewals
Claims
Payments · trust acc.
Commissions
L3 · Product & rating
Rating engine built-in
Product builder
Rules library
Rate cards
A/B pricing
L4 · Channels
Direct portal
Broker network
Embedded · partner SDK
Mobile · iOS · Android
Affinity / MGA portals
Built-in · not bolted-on

A rating engine
that lives inside.

Most platforms make you bring your own actuarial system. uBind doesn’t. The rating engine is a first-class citizen of the platform — versioned, testable, A/B-able, and fast enough to return premiums under 300ms even on complex multi-factor risks.

No code. No actuary in the loop.
Bring your own rating spreadsheets and data tables — upload them and map the fields. Deploy in minutes. Version everything.
Sub-300ms quotes at p95.
Distributed in-memory rating across all major cloud regions. Cold start is the warm path.
A/B test pricing in production.
Run two rate versions side-by-side. Track loss ratio per cohort. Promote the winner with one click.
Auditable to every cent.
Every calculation creates a full breakdown with infinite nesting, and taxes applied at every level. Regulators love it.
See it rate a real risk
SME Cyber Liability · live rating
Risk: tech consultancy · 14 employees · London · clean claims history
RATING…
Base rate · cyber SME
× 1.000
$ 800.00
Industry · IT consultancy
× 1.150
$ 920.00
Headcount band · 10–24
× 1.080
$ 993.60
Region · UK (GBR-LDN)
× 1.040
$ 1,033.34
Claims history · clean 3yr
× 0.920
$ 950.67
Limit option · $2M aggregate
× 1.230
$ 1,169.32
MFA & backups verified
× 0.940
$ 1,099.16
Broker discount
× 0.950
$ 1,044.20
Stamp duty & levies (UK IPT 12%)
+ 125.30
$ 1,169.50
Annual premium · all-in
$1,247.50
⏱ Rated in 247ms · 9 factors applied · audit trail saved
Bind & pay
Honest comparison

How uBind compares to legacy core platforms.

You’ll find these names on every shortlist. So will we. Here’s where uBind beats them, where they win, and where everyone draws even — measured on capabilities a modern distribution platform actually needs.

Capability
uBind
Guidewire
Duck Creek
Sapiens
Socotra
Instanda
Javln
Time-to-launch new productFrom kick-off to live ✓6 weeks avg. ✕12–18 months ✕9–14 months ✕12+ months !4–10 months !8 weeks avg. ✕Onboards existing books
Built-in rating engineNo external system needed ✓Native · spreadsheet + AI !Native + advanced add-on ✓Native low-code module ✓Native rating engine ✓Yes · JS plugin ✓Native · configurable !Via integration
No-code product configBuild without engineers ✓AI prompting + visual builder !APD no-code · Gosu for edge cases !Author Studio · technical !Low-code · Smart Packs !JSON config · developer ✓No-code builder ✕Workflow config only
Modular pricingPay for what you use ✓Subscription + usage ✕DWP-based subscription ✕Multi-year contracts !Module-based ✓Usage-based ✓Subscription + usage ✓Subscription
Multi-channel distributionDirect · broker · embedded · partner ✓All four + AI chat · one stack !Separate portals !Portals + distribution mgmt ✓Omni-channel ✓API-first ✓All four + AI chat !Broker / insurer focus
Automation & integration engineNo-code automations, built by AI prompt ✓AI-built · any internal or external integration !Webhooks + low-code gateway !APIs + partners !API-first + rules engine !Dev-built + agentic AI ✓No-code + AI (MAX) !Workflow automation
Global multi-regionData residency, EU + APAC + Americas ✓5 continents · AWS+Azure+GCP ✓Major regions ✓Major regions ✓Major regions !Americas · EU · APAC ✓UK/EU · US · APAC !ANZ / APAC
CRMCustomers & leads in one system ✓Native · included !Via Salesforce integration ✕Via integration !Native module · dated ✕Via integration ✕Via integration ✓Native insurance CRM
Document & communications managementGenerate, store, send & track — not just generate ✓Native · documents + comms + AI auto-filing !Correspondence module !Add-on module !Module !Generate + store; send via partner !Gen + comms, e-sign, portals !Native · officetech
Upgrade modelContinuous SaaS vs version projects ✓Continuous · zero-downtime !Cloud continuous · legacy upgrades !OnDemand evergreen · legacy upgrades ✕Version upgrades ✓Continuous SaaS ✓Continuous SaaS ✓Continuous SaaS

Sources: vendor websites, public RFP responses, Gartner Magic Quadrant 2025, customer-reported implementation timelines. Updated May 2026. We’d love to be wrong on any of these — write to hello@ubind.io if you have better data.

Workflows in motion

See how uBind unblocks
every part of your business.

Every audience has a different bottleneck. Pick yours and watch how the platform clears the path — from quote to bind to renewal, end to end.

⚠ The problem

Your roadmap takes years.
The market won’t wait.

Tier-1 insurers lose share every quarter to nimble competitors who launch products in weeks. uBind compresses your product launch from 18 months to 6 weeks — direct, broker, embedded, all live at once on one stack.

  • AI product builder — prompt and refine rates, rules and documents in real time
  • Multi-channel distribution — direct, broker, embedded, all from one core
  • Enterprise SSO, audit log, multi-region data residency baked in
Result: 18 months → 6 weeks time-to-market
INSURER Product Hub D Direct website & embed B Broker network portals & APIs A Affinity / MGA co-branded uBind CORE PLATFORM Quote Rate Underwrite Bind Documents Renewals Customer policy issued in seconds TIME TO LAUNCH 6 weeks
⚠ The problem

Brokers spend 70% of the day on admin,
not selling.

Re-keying data. Chasing PDFs. Manually issuing certificates. uBind gives every broker one workspace where quote, bind, claim and renewal happen in a single continuous flow — with the customer in the loop the whole time.

  • Client portals allow customers to access documents, accept cover and pay
  • Auto-generated documents, commission tracking, renewal pipelines
  • One panel, every insurer — quotes rated against all of them at once
Result: 10× bound policies per broker, per month
👤 Customer starts quote online Broker workspace picks up mid-funnel Customer notified QUOTE AGAINST PANEL · 247ms Chubb QBE Liberty IAG HDI CGU Bind & pay card · EFT · direct debit Commission auto-tracked 📄 POLICY PDF + Cert of Currency 💰 LEDGER Trust + GL booked BOUND POLICIES 10× per broker
⚠ The problem

Distributing through 200 brokerages
without losing control.

You can’t oversee binder authorities in spreadsheets. uBind enforces every limit, commission and rule in code — with real-time visibility into who’s selling what, where, and at what margin. Bordereau lands on time, in your capacity’s schema.

  • Per-brokerage pricing, configuration and data segregation
  • Assessment triggers and underwriter referral workflows
  • Binder authority enforced in code — never breached
Result: 100% binder compliance, zero spreadsheets
MGA / UWA capacity owner · binder authority 📜 BINDER RULES Max GWP $5M Comm 22.5% Cyber line only PB Pacific Brokers 22 active quotes ACTIVE NG Northgate Group 14 active quotes ACTIVE CR Coastline Risk awaiting review PENDING REAL-TIME MONITORING · ENFORCED IN CODE PB $3.4M / $5M NG $2.0M / $5M BINDER COMPLIANCE 100%
⚠ The problem

12 months of plumbing
before you ship a single policy.

Insurtech founders raise on distribution. Then spend the round building core PAS, rating, claims, accounting — plumbing 50 companies before them have already built. uBind is your back-end, your front-end stays yours.

  • Build your frontend in uBind’s AI builder, or create your own that talks to our transactional APIs
  • Sandbox from day one, and rich API documentation
  • Capacity-ready · show your reinsurer a working bordereau, not a Figma
Result: live in 60 days · capital efficient · raise on traction
YOUR APP React · Flutter · whatever uBind API · v3 · OpenAPI POST /quote POST /bind POST /claim uBind CORE · the plumbing you don’t have to build Rating Lifecycle Documents Claims Payments Reporting Audit ↑ CAPACITY Reinsurer · carrier ↓ CUSTOMER Policy delivered FIRST QUOTE 60 days
Trusted globally

Numbers, not promises.

uBind is in production at tier-1 carriers, mid-tier MGAs, regional brokerages and venture-backed insurtechs across five continents. Same codebase, same uptime, same engineering bar.

ISO 27001 certified PCI-DSS Compliant Finnies Award finalist
GWP transacted
$2B+
In gross written premium flowed through uBind across our customer base globally.
Policies / day
12K+
Quotes rated, bound and issued every single business day across our platform.
Quote latency
247ms
P95 latency on the built-in rating engine, even on complex multi-factor risks.
Uptime SLA
99.9%
Production uptime measured over the trailing 12 months, all regions combined.
Talk to us · 4 questions

See if we fit, in under a minute.

Tell us who you are and what you’re trying to ship. We’ll come back within 24 hours with a 30-minute tailored demo — real product, real screens, on your data shape.

  • A founder reads every inbound — not an SDR funnel.
  • 30-minute live demo · real screens, not slideware.
  • Pricing transparent on call two · in writing.
  • Talk directly to experts who know insurance technology inside and out
ISO 27001 · PCI-DSS Multi-region · 5 continents
STEP 1 OF 4

Which one of these is you?

Pick the closest — we’ll route you to the right specialist.

What scale are you running at?

Rough annual GWP — helps us shape the demo.

When are you looking to move?

Be honest -“just exploring” is a fine answer.

How do we reach you?

Thanks — we’ve got it.

A specialist who actually works on the platform will be in touch within one business day with a calendar link.

"
This is more than just another insurance platform. It’s the result of a powerful collaboration between uBind and WTW, bringing together deep industry expertise and modern digital infrastructure to reimagine what buying and managing small business insurance should feel like.
MS
Martyn Swann
Willis Towers Watson
Common questions

The things people ask before signing.

If yours isn’t here, it’s a one-line email away — we answer ourselves, not via a help desk queue.

How long does a real implementation actually take?
AI document and communications management can be implemented in as little as two days. A full-lifecycle digital quote-and-bind implementation typically takes around six weeks, or around ten weeks when claims and third-party integrations are included.
Is the rating engine really built-in, or is it a separate product?
Built-in. It’s a first-class part of the platform — same codebase, same database, same auth model. You don’t license it separately, you don’t pay per-quote for it, and you don’t integrate it. Bring your own rating spreadsheets and data tables — upload them and map the fields, version them, A/B test them, and audit every quote the engine produces.
What does data residency look like for non-Australian regions?
You pick the region. uBind runs in AWS, Azure and GCP regions across North America, EMEA, APAC, LATAM and Australasia. Customer data, audit logs and backups all stay inside the chosen region. We can deploy single-tenant for enterprise carriers who require dedicated infrastructure.
How does uBind compare to Guidewire / Duck Creek / Sapiens?
See the benchmark section above for the honest summary. Short version: legacy core systems were built for the back-office of large insurers and they do that exceptionally well. uBind is built for distribution — quote, rate, bind, and manage across every channel — and we beat the legacy stacks decisively on time-to-launch, total cost, and modularity. uBind can work as a complement to something like Guidewire, or take that role itself as the core platform. Its modular architecture and strong integration capabilities allow it to sit comfortably alongside other systems.
Can we keep our existing PAS and just use uBind for distribution?
Yes — that’s the most common pattern at tier-1 carriers. uBind handles the customer-facing layer (quote, bind, broker workspace, embedded API). Your PAS continues to be the system of record. We sync bi-directionally via the open API, with idempotency keys, webhooks and a full reconciliation surface.
What does pricing look like?
AI document and communications management is offered for a flat monthly fee per seat. Full-lifecycle digital quote and bind is priced with a setup fee, a base monthly fee and usage-based fees.
Who owns the customer data and IP?
You do. Your policies, your customer data, your product configurations, your branding — all yours, and all can be exported in standard formats. uBind never resells customer data, never trains models on it, and never crosses tenant boundaries internally.

Insurance, unblocked.
Across every channel.

Stop building plumbing. Start shipping product. We’ll show you how in 30 minutes.

Book a 30-min demo Re-explore the 3D model