Markets We Serve / Insurance Startups

A robust core that scales as you grow

Startups need to launch, prove the model, and scale without a heavy IT build. OneShield Market Solutions delivers a robust core as a managed service, with pre-loaded content and one predictable subscription.

OneShield Market Solutions

Robust core delivered as a managed service, with no in-house IT required.

OneShield Enterprise

The most configurable core for startups launching complex, highly tailored products.

OneShield AI Hub

Build AI into your operations from day one, on any core system.

Why Startups Choose OneShield

Two Platforms, One That Fits Where You Are

Start on OneShield Market Solutions, a managed-service core with pre-loaded content and subscription pricing, or OneShield Enterprise for deeper configurability. Both run on one unified data model, so you are never boxed in.

Carrier-Grade From Day One

Full policy, billing, and claims across 60+ lines of business. You get the functionality carriers and reinsurers expect, without stitching together point tools you will outgrow.

Launch Through Configuration, Not Custom Code

Pre-built content, rules, and reusable workflows let you stand up new products, states, and channels quickly, and adjust as your book changes.

Built to Scale to Tier 1

Add policy volume, new lines of business, and new distribution channels on the same architecture, from your first program onward.

AI Built Into the Work

Automate submission intake, summarize claims files, and deploy your own insurance-specific AI agents with OneShield AI Hub, alongside your core system.

No Third-Party Integrators

OneShield leads every implementation directly with insurance domain experts. No SI firms adding cost, handoffs, or communication layers.

Functionality Highlights

OneShield's Policy, Billing, and Claims Administration Solutions offer a wide range of features to support your insurance startup's success. Beyond the core features, here are some key highlights:

Policy

Policy Administration Built to Launch Fast

Quote, bind, issue, endorse, and renew across your lines from one place. Configurable underwriting and straight-through processing let a small team handle real volume, and pre-built content gets new products to market quickly.

Key capabilities:

White check mark inside a blue circle indicating confirmation or approval.

Leverage 60+ lines of business and ISO ERC integration to start doing business quickly

Streamline underwriting and policy issuance

Manage customer data at an account and policy level

Easy maintenance allows for reusability across products and programs

Create, modify, and renew policies with ease, with Bind or Bind and Issue options

Easily integrate with third-party data sources and services

Handles variations required to manage insurance programs, with support for unique packages and programs

Smiling woman in scarf signs document at desk with man and woman in office setting.

Billing

Billing and Accounting Without the Overhead

Invoice, collect, and reconcile with flexible billing models and automated workflows. Give policyholders self-service payment options, and give your team real-time financial visibility without adding headcount.

Key capabilities:

Flexible billing options, including direct bill, account bill, and agency bill

Offer online payment portals for policyholders

Generate invoices and statements automatically

Detailed financial reporting and analytics

Woman using desktop computer showing agency invoicing dashboard with charts and invoice details.

Claims

Claims Management That Scales With You

Take claims from first notice of loss through resolution on one platform. Automated intake, rules-based recovery, and built-in analytics keep cycle times down and reserves accurate as your volume grows.

Key capabilities:

Efficient claims intake and processing via a web portal, email, or manual entry

Rules-based recovery identification across different types such as salvage, subrogation, reinsurance, and deductibles

Robust business intelligence capabilities

Capture and track claims information

Agency and customer portals for reporting and tracking loss statuses

Comprehensive litigation tracking and management

Automated coverage identification based on loss information

Two people at a table reviewing documents with one pointing at a tablet and the other holding a pencil.

Distribution

Digital Distribution and Self-Service

Meet agents, brokers, and policyholders where they are. Self-service portals, digital payments, and eSignatures streamline every interaction, and open integrations connect the third-party data and services you already use.

Key capabilities:

Enhance the user experience with agent and customer portals

Enable digital payments

Streamline processes with eSignatures

Woman with headset working at a computer desk, typing and looking at the monitor attentively.

Intelligent automation, from your first policy

Summarize and Query Claims Documents

Ask questions, build event timelines, and surface key details across large claim files. A lean team reviews less and decides faster.

Serve Policyholders 24/7 With Omnie

Omnie answers policyholder questions about policies, billing, and claims around the clock, and routes specialized requests to your team.

Deploy Custom AI Agents for Your Operations

Design and deploy AI agents around your workflows and rules in OneShield AI Hub. Works alongside OneShield Market Solutions, OneShield Enterprise, or any existing core system.

Client Success

From Startup to Market Leader: The Journey of PURE Insurance

Jason Lichtenthal, SVP & CIO, PURE Insurance

Frequently Asked Questions

Didn't find the answer you were looking for? Feel free to contact us anytime.

What core system does an insurance startup actually need to launch?

You need carrier-grade policy, billing, and claims on a single data model, not a stack of point tools you will outgrow. OneShield offers two platforms that both scale from startup to tier 1: OneShield Market Solutions, a managed-service core system with pre-loaded insurance content and subscription pricing, and OneShield Enterprise, a highly configurable platform for more complex operations. You get the functionality carriers and reinsurers expect, from day one.

How quickly can a startup launch new products on the platform?

OneShield ships with pre-loaded insurance content across 60+ lines of business and reusable workflows, so you launch and adjust products through configuration rather than long development cycles. You can enter new markets and add lines as your book grows, without rebuilding from scratch.

Can a startup adopt AI without building it in-house?

Yes. OneShield AI Hub is a standalone, insurance-specific AI platform that works alongside OneShield Market Solutions, OneShield Enterprise, or any existing core system. You can automate submission intake, summarize and query claims documents, and deploy custom AI agents for your workflows. AI Hub operates under Zero Data Retention agreements with single-tenant deployment, so your data stays private.

Will the platform scale as our book and lines of business grow?

Yes. OneShield scales from startup to tier 1 on the same architecture. Add policy volume, new lines of business, new states, and new distribution channels through configuration, so the platform grows with you instead of holding you back.

What does pricing look like for an early-stage insurer?

With OneShield Market Solutions, subscription pricing bundles implementation, support, and upgrades into a single predictable fee, so there are no surprise costs as you scale. During an initial consultation, OneShield reviews your operational needs, lines of business, and growth plans to recommend the right platform and pricing.