Shipped product

P & C Insurance

IRDAI-aligned policy administration, claims, and Bima Sugam integration

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Multi-tenant ready
Production deployed
Web + mobile

P P & C Insurance

Built by Toshi

Case study inside

Overview

P & C Insurance is a multi-tenant property-and-casualty operations platform built for Indian insurers, MGAs, and broker networks. It covers the full policy lifecycle — quote intake, underwriting referral, rating, bind, issue, endorsement, renewal, and cancellation — alongside a claims module from first notice of loss (FNOL) through survey, assessment, and settlement.

The platform is designed around IRDAI regulatory expectations: immutable audit trails, role-separated access, consent-aware document handling, and release evidence that survives Technology Risk Assessment (TRA) and annual VAPT reviews. A Bima Sugam integration layer exposes standardised quote and policy APIs so carriers can participate in India's national insurance marketplace without rewriting core policy admin.

Stack:

Frontend — Next.js (App Router), TypeScript, role-based portals for agents, underwriters, claims adjusters, and operations admins
Backend — FastAPI, SQLAlchemy 2.x, async Postgres, Redis-backed sessions, structured event log for compliance
Documents — Intelligent document processing for KYC packs, proposal forms, and claim evidence (OCR + field extraction with human-in-the-loop on low-confidence fields)
Deployment — Docker Compose on VPS, environment isolation between UAT and production

Problem Statement

Most mid-size Indian P&C carriers still run policy and claims on spreadsheets, legacy PAS modules, or heavily customised ERP shells. That creates predictable pain:

Quote-to-bind latency. Agents re-key vehicle or property data across portals; underwriting referrals sit in email threads; bind confirmations miss SLAs.
Claims without a single source of truth. FNOL arrives on phone, WhatsApp, or paper; surveyor notes live in PDFs; settlement math is opaque to the policyholder.
Regulator-ready evidence is an afterthought. IRDAI cyber guidelines, annual TRA, and marketplace integrations (Bima Sugam) require traceability — who changed what, when, on which build — that bolt-on spreadsheets cannot produce.

P & C Insurance was built to give carriers a modern, auditable core without a multi-year core-system replacement: modular lines of business, API-first integrations, and compliance artefacts generated as part of normal operations — not compiled before an audit.

Case Study

Policy lifecycle engine

Products are modelled as versioned templates (motor private car, commercial fire, engineering, liability riders) with rating inputs, underwriting rules, and document checklists. A quote moves through states — draft → referred → approved → bound → issued — with every transition logged. Endorsements clone the active policy version, apply delta fields, and re-rate only affected components.

Underwriting workbench

Referred quotes land in an underwriter queue with COPE-style risk summaries for commercial property, NCB and IDV validation for motor, and attachment of survey or inspection reports. Decisions (accept, accept with loading, decline) carry mandatory rationale text stored in the audit log.

Claims FNOL and adjudication

Policyholders and agents file FNOL via web or API with photo upload and geo-tag. The system validates coverage windows, applies excess rules, assigns surveyors by pin code and line of business, and tracks reserve movements. Low-complexity motor claims can auto-approve within configured thresholds; others route to senior adjusters.

Document intelligence

Incoming scans pass through an IDP pipeline: classify document type, extract fields (registration number, chassis, invoice value, discharge summary), and surface confidence scores. Fields below threshold queue for human verification — critical for regulated workflows where straight-through processing must not silently fail.

Bima Sugam connector

A dedicated integration service maps internal product codes to marketplace schemas, signs outbound payloads, handles idempotent retries, and stores request/response artefacts for conformance testing — the same evidence pack IRDAI marketplace pilots expect.

Security and compliance

RBAC spans agent, underwriter, claims adjuster, ops admin, and read-only auditor roles. PII is encrypted at rest; production and non-production networks are isolated; session timeouts and four-eyes approval apply to high-impact actions. VAPT findings from the Cyber Security scanner can be linked to release gates.

Live demo

We walk prospects through quote-bind, underwriting referral, and claims FNOL flows on a configured demo tenant. Product UI screenshots are shared during guided demos rather than on the public site — contact us to schedule a session.

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Interested in P & C Insurance?

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