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Documentation Index

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OpenInsure is a fully open-source insurance operating system purpose-built for Managing General Agents (MGAs), captive insurance programs, and Risk Retention Groups (RRGs). It replaces legacy policy administration systems, spreadsheet-driven underwriting workflows, and duct-taped billing integrations with a single, coherent platform built on modern infrastructure.

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For MGAs

Submission intake, delegated authority enforcement, producer portals, and automated bordereaux reporting.

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For Captives

Member contribution tracking, cell structures (PCC/Series LLC), loss fund monitoring, and domicile compliance.

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For RRGs

LRRA compliance, NAIC quarterly/annual statements, Schedule F reinsurance reporting, and reciprocal state registration.

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API-First

Every capability exposed as a versioned REST API, TypeSpec-generated OpenAPI spec, and TypeScript SDK.

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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:
  1. Submission — A producer submits an ACORD 125 application (via portal or API). Workers AI extracts structured data from unstructured PDFs.
  2. Rating — The deterministic rating engine applies factor tables (state, class, revenue band, loss history) to produce a quoted premium with a full audit trail.
  3. Binding — The bind API checks delegated authority limits, applies SpiceDB ReBAC policies, and creates an active policy record in PlanetScale.
  4. Servicing — Endorsements, cancellations, reinstatements, and renewals are all first-class operations with full state machine enforcement.
  5. Billing — Installment schedules are created automatically. Stripe PaymentIntents handle collection. Commission splits are calculated and tracked in a fiduciary trust ledger.
  6. Claims — FNOL intake triggers adjuster assignment, reserve setup, and document management. The settlement workflow routes through approval gates.
  7. Reporting — Bordereaux, loss runs, bordereaux cession statements, and actuarial data exports are generated automatically.

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Who It’s For

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Core Modules

PackageDescription
@openinsure/policyPolicy state machine, endorsements, cancellations, renewals
@openinsure/underwritingRating engine, rule execution, binding authority
@openinsure/billingInstallment plans, Stripe integration, commission accounting
@openinsure/claimsFNOL intake, reserves, settlement, subrogation
@openinsure/authAuth worker session bridge + OpenInsure JWT + SpiceDB ReBAC
@openinsure/hipaaPHI field tagging, redaction, immutable audit log
@openinsure/complianceRegulatory rule engine, filing reminders
@openinsure/coiCertificate of Insurance generation (PDF + portal)
@openinsure/documentsACORD extraction, PDF rendering, document management
@openinsure/ratingActuarial factor tables and premium calculation
@openinsure/producerProducer/agent management, appointment tracking
@openinsure/reinsuranceTreaty and facultative reinsurance management
@openinsure/cryptoAES-256-GCM field-level encryption for PII (Web Crypto API)
@openinsure/flagsKV-backed feature flags with per-org overrides
@openinsure/agentsAI agent orchestration (Cloudflare Durable Objects + Claude)

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How It Differs from Legacy Systems

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Legacy PAS

Old way: Monolithic on-premises Java applications, per-seat licensing, 6-month implementation timelines, expensive customization via professional services.

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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.

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Open-Source Philosophy

OpenInsure is licensed under Apache 2.0. The full actuarial logic, policy state machine, compliance rules, and HIPAA primitives are open source and community-reviewed. There are no proprietary “runtime fees” or data export restrictions. We believe that the insurance industry’s infrastructure layer should be a public good — auditable, forkable, and improvable by the community of insurance technologists who build on it. :::note OpenInsure is currently in early access. The cloud-hosted version (OpenInsure Cloud) adds managed Cloudflare + PlanetScale operations and enterprise SLA. The self-hosted version is fully functional with your own infrastructure. Request early access to join the waitlist. :::

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Next Steps

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Quickstart

Get a local instance running in under 10 minutes.

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Architecture

Understand the edge-native data flow and HIPAA isolation model.

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API Reference

Explore the full interactive API documentation.