Services · Mobile app development · Insurance apps
Codeeo handles insurance app development Chicago firms use to onboard clients, serve policyholders and move claims forward. We build client apps for quotes, policy documents, payments and first notice of loss, plus staff tools and an admin dashboard that keep every file owned. The work is shaped around Illinois rules: Department of Insurance claim standards, its AI bulletin and the state's strict biometric and call recording laws.
We have no Chicago office. Our team of 80+ across Dubai, Riyadh and Karachi works remotely with Illinois clients, and discovery, design reviews and demos run by video call. We have delivered 200+ projects across the UAE and the US, and we are rated 4.7 from 23 Google reviews.
200+ companies across the US and the UAEFrom a first store to a listed developer
Capabilities
Chicago has a deep commercial brokerage community in the Loop and along Wacker Drive, a wide ring of independent agencies in suburbs such as Schaumburg, Naperville and Oak Brook, and claims and service operations spread across the metro. The policyholders those firms serve include downtown condo owners, two flat landlords on the North and Northwest Sides, small manufacturers near the industrial corridors and families who commute by Metra or the CTA.
Weather shapes the claims mix. Burst pipes after a deep freeze, basement water after heavy summer rain, hail on roofs and cars, and winter driving losses all arrive in bursts, so an app has to absorb a spike without the service desk falling behind. Insurance claims app development Chicago teams ask for usually starts there. The capabilities below are the ones we build most often for Illinois firms, and most projects begin with four or five of them, chosen by where your staff lose the most time today.
A claimant picks the loss type, such as frozen pipe, basement water, hail or a crash on the Kennedy, and answers short questions written for that event. Photos, video, location and a police report number attach to the same file, and the claim routes to the right adjuster or carrier contact.
Claims arrive complete enough for an adjuster to act on the same day.
When a winter storm or hail day lands, the dashboard groups new claims by loss type and ZIP code, flags vulnerable customers and suggests outbound messages. Staff work a queue sorted by urgency instead of an inbox sorted by time.
Your team stays ahead of a catastrophe spike rather than behind it.
Business clients upload loss runs, payroll figures, vehicle schedules and certificates of insurance requests in one place. Several authorized contacts can sit under one company account, each with their own permissions.
Renewal submissions go to market without a chase for missing documents.
Contractors working on Chicago job sites often need certificates of insurance fast. Clients request one in the app, name the certificate holder, and staff approve and issue it from a template, with a log of what was sent to whom.
Certificate requests stop clogging phone lines and email.
Declarations pages, endorsements and auto ID cards stay available offline, with renewal dates and coverage summaries in plain English and Spanish. Polish language screens can be added where your book calls for them.
Policyholders find their own documents without calling.
Illinois property renewals often bring rate or deductible changes after a heavy hail or freeze year. The app shows what is changing at renewal, lets the client ask for a remarket or a higher deductible quote, and books a short call with their producer from the same screen.
Renewal conversations start before the client shops elsewhere.
Card, Apple Pay, Google Pay and ACH bank payments through a processor that handles PCI DSS scope, with reminders before a cancellation notice and a clear history of what has been paid.
Fewer lapses from missed installments.
A staff app for licensed producers and CSRs: tasks, client notes, open quotes and follow ups, with license status recorded against each producer so work routes only to people licensed for that line in Illinois.
Every request has a licensed owner and a next step.
In app messages and texts tied to each policy or claim. Illinois generally requires consent from everyone on a private call before it is recorded, so voice features are designed with clear notice and consent captured before any recording starts.
Conversations stay on the file and inside the rules.
Where you use models for triage, fraud flags or document reading, the platform records inputs, versions, outputs and the person who reviewed each decision, ready for questions from the Department.
You can explain how any automated decision was made.
Who this is for
Insurance mobile app development Chicago buyers commission is rarely a blank slate. Most firms already run an agency management system, a carrier portal or two, and a phone system that holds years of habits. The four starting points below are the ones we see most, and each leads to a different first release. In every case we write the scope with your licensed staff in the room, because they know where clients get stuck. We also ask how your carriers handle claims today, since many agencies report a loss and then hand it to the carrier, while TPAs and MGAs own the file to the end.
You write personal and small commercial lines from an office in DuPage or Cook County and your customers expect a phone call answered by someone they know. The first release gives them self service for ID cards, payments and simple changes, and gives your CSRs one queue for everything that arrives through the app, so the personal touch goes into the calls that need it. Producers also get a simple view of which clients used the app, so outreach goes to those who still prefer the phone.
Start with service requests, then add quoting.
Your producers place middle market risks and your account managers live in spreadsheets during renewal season. We build a client portal and mobile app for submissions, loss runs, certificates and claim updates, connected to your management system, so renewal data is gathered once and clients see progress without asking.
Integration with your agency system shapes the timeline most.
You underwrite a niche program across several states from Chicago and need distribution partners to quote and bind inside your rules. We build a producer facing app with appetite guidance, referral rules and a bind workflow, with each state's forms kept separate. Partner agencies see only their own submissions, and your underwriters see the full program book with referrals waiting for a decision.
Rating logic stays yours; we connect to it, not around it.
You handle high volumes of property and auto claims and need adjusters, vendors and claimants on one record. We build a claimant app, a field adjuster app with offline capture for basements and roofs, and a supervisor dashboard tied to Illinois claim handling standards. Vendor assignments for water mitigation, roofing and auto repair sit on the same record, so a claimant in Berwyn or Evanston can see who is coming and when.
How we work together
Most agencies and brokers start with a fixed scope first release, then keep a retainer for improvements and carrier changes. Larger claims operations and MGAs sometimes take a dedicated team that works inside their own planning cycle. Cost depends on how many user types you need, how many carrier and agency systems the app must talk to, whether claims include field adjuster tools, the number of languages, and how much AI review and audit logging is required. We explain each driver in discovery so you can decide what belongs in the first release. Chicago agencies with a busy spring hail season often prefer to launch the claims pieces in winter, when staff have time to learn the new tools before volumes rise.
A defined build with a deadline
We agree what the product has to do, write it down with a price and a date, and build exactly that. Changes are priced before they are made, not discovered on the invoice.
A product that keeps evolving
Named engineers who work your hours, join your standups and stay on the codebase. You direct the backlog; we own the quality of what ships.
Something live that needs looking after
A monthly block of hours for improvements, fixes and the small requests that otherwise wait months. Unused hours carry for a quarter.
Technology
We pick the stack around your agency management system, carrier connections and hosting rules. Usually that means React Native or Flutter for the apps, a typed API layer, encrypted cloud storage and a dashboard your own staff can administer. Hosting region and data retention are agreed with you, so claim photos and personal data stay where your carriers and counsel expect.
01Mobile
02Data and cloud
03Marketing and tracking
Claim handling standards, AI governance, privacy and recording consent.
The Illinois Department of Insurance sets minimum standards for investigating and settling claims in Part 919 of its rules, so claim screens need clear acknowledgments, status updates and written explanations when a claim is denied or settled for less. Its 2024 AI bulletin applies, and your licensing, privacy notices and record retention also need a place in the design. We map each one in discovery and confirm the details with your compliance lead or counsel. The Department also runs a consumer office in Chicago, and clear complaint routes in the app help keep issues with you first.
Schedule a free consultation and get a written recommendation, with costs, before you commit to anything.
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