For MGAs
Submission intake, delegated authority enforcement, producer portals, and automated bordereaux reporting.For Captives
Member contribution tracking, cell structures (PCC/Series LLC), loss fund monitoring, and domicile compliance.For RRGs
LRRA compliance, NAIC quarterly/annual statements, Schedule F reinsurance reporting, and reciprocal state registration.API-First
Every capability exposed as a versioned REST API, TypeSpec-generated OpenAPI spec, and TypeScript SDK.What OpenInsure Is
At its core, OpenInsure is a policy administration and underwriting operations platform. It handles the full lifecycle of a specialty insurance program:- Submission — A producer submits an ACORD 125 application (via portal or API). Workers AI extracts structured data from unstructured PDFs.
- Rating — The deterministic rating engine applies factor tables (state, class, revenue band, loss history) to produce a quoted premium with a full audit trail.
- Binding — The bind API checks delegated authority limits, applies SpiceDB ReBAC policies, and creates an active policy record in PlanetScale.
- Servicing — Endorsements, cancellations, reinstatements, and renewals are all first-class operations with full state machine enforcement.
- Billing — Installment schedules are created automatically. Stripe PaymentIntents handle collection. Commission splits are calculated and tracked in a fiduciary trust ledger.
- Claims — FNOL intake triggers adjuster assignment, reserve setup, and document management. The settlement workflow routes through approval gates.
- Reporting — Bordereaux, loss runs, bordereaux cession statements, and actuarial data exports are generated automatically.
Who It’s For
Core Modules
| Package | Description |
|---|---|
@openinsure/policy | Policy state machine, endorsements, cancellations, renewals |
@openinsure/underwriting | Rating engine, rule execution, binding authority |
@openinsure/billing | Installment plans, Stripe integration, commission accounting |
@openinsure/claims | FNOL intake, reserves, settlement, subrogation |
@openinsure/auth | Auth worker session bridge + OpenInsure JWT + SpiceDB ReBAC |
@openinsure/hipaa | PHI field tagging, redaction, immutable audit log |
@openinsure/compliance | Regulatory rule engine, filing reminders |
@openinsure/coi | Certificate of Insurance generation (PDF + portal) |
@openinsure/documents | ACORD extraction, PDF rendering, document management |
@openinsure/rating | Actuarial factor tables and premium calculation |
@openinsure/producer | Producer/agent management, appointment tracking |
@openinsure/reinsurance | Treaty and facultative reinsurance management |
@openinsure/crypto | AES-256-GCM field-level encryption for PII (Web Crypto API) |
@openinsure/flags | KV-backed feature flags with per-org overrides |
@openinsure/agents | AI agent orchestration (Cloudflare Durable Objects + Claude) |
How It Differs from Legacy Systems
Legacy PAS
Old way: Monolithic on-premises Java applications, per-seat licensing, 6-month implementation timelines, expensive customization via professional services.OpenInsure
New way: Edge-native microservice packages, open-source Apache 2.0 license, running locally in under 10 minutes, extensible via TypeScript. Specific improvements over legacy systems:- Latency: API responses from Cloudflare edge nodes are measured in single-digit milliseconds, not hundreds.
- Auditability: Every state transition, rating calculation, and data access is logged immutably. No more reconstructing what happened from DB backups.
- Integrations: Native ACORD 125/130, X12 EDI, FHIR R4, and Stripe. No middleware required.
- Developer experience: The entire platform runs locally with
pnpm dev. Full type safety from database schema to API response.