Our client is a US-based insurer that specializes in commercial property and manages complex, long-term policies across multiple regions.
The company’s existing system combined several outdated platforms, which created delays in policy issuance, introduced errors in endorsement processing, and complicated consolidated reporting.
To solve this, the client required a unified system to administer the entire policy lifecycle. It demanded real-time data accuracy, strict compliance logging, and precise handling of intricate premium calculations.
Based on our competency in building high-integrity applications for regulated industries, K-Softex accepted the project.
We focused on four distinct problems.
The system had to perform accurate premium recalculations at any point in a policy’s term. This is a process that requires factoring in mid-term adjustments, fluctuating property values, and changing risk schedules.
Every change to a policy document or financial record also needed a complete, immutable audit trail to satisfy NAIC-based regulatory compliance and financial reporting mandates.
Transferring decades of active policy data from legacy systems without disrupting daily operations or corrupting financial records posed a substantial risk.
Finally, the application had to serve both data-focused underwriters and high-volume processing clerks, a design requirement that could not force either group to compromise their workflow.
Java / Spring Boot / Event Sourcing / PostgreSQL / Apache Kafka
ReactJS / Context API
WebSockets / JasperReports
Event Sourcing / Docker / Kubernetes
In response, K-Softex delivered a cohesive web-based platform, built on Java and ReactJS, that centralized all policy administration functions.
A Java-based service layer formed the computational core, managing all business logic for premiums, risk, and compliance.
To guarantee consistency, the architecture implemented an event-sourcing pattern, where every transaction generated an immutable audit event before applying changes to the active database.
We also built a dedicated migration utility that mapped and validated legacy data in isolated stages. This approach allowed our client to verify each batch before full cutover.
A ReactJS application provided underwriters with a comprehensive, real-time view of policy portfolios.
Interactive dashboards displayed risk exposure and renewal pipelines, while a detailed viewer showed every clause, endorsement, and calculation for a single policy.
Consequently, the design emphasized data depth and exploratory analysis for risk assessment.
The same ReactJS foundation powered a task-oriented interface for administrative staff.
Here, clerk workflows focused on speed and accuracy, using guided forms for common transactions like renewals, cancellations, and document generation.
Critically, both interfaces shared real-time data, meaning changes from clerks immediately appeared for underwriters, and vice versa.
Following launch across three regional offices, our client saw policy issuance time decrease from five business days to one. The improvement in calculation accuracy further reduced reconciliation efforts at each quarter’s close. Meanwhile, underwriters gained the ability to access a policy’s full adjustment history in one view, which strengthened their risk analysis.
The immutable audit trail now directly supports state regulatory and financial (SAP) audit reviews without additional preparation work. Today, K-Softex continues to support the platform, implementing new feature requests as the client expands its product lines
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