Services · Mobile app development · Insurance apps
We provide insurance app development New York brokers, agencies, MGAs and carrier service teams can put in front of regulators with confidence. That means client onboarding, quotes, policy documents, payments and claims in one app, a workspace for licensed staff, and an admin dashboard. Every build is planned around the Department of Financial Services: its cybersecurity regulation, Circular Letter No. 7 on AI in underwriting and pricing, and its claim and sales conduct rules.
Codeeo does not have a New York office. Our team of 80+ works from Dubai, Riyadh and Karachi and serves New York clients remotely, with discovery, reviews and demos by video call. We have delivered 200+ projects across the UAE and the US and are rated 4.7 from 23 Google reviews.
200+ companies across the US and the UAEFrom a first store to a listed developer
Capabilities
New York City has been an insurance center for generations, with brokers and carriers clustered in Lower Manhattan and Midtown and agencies spread through Brooklyn, Queens, the Bronx, Staten Island and the suburbs. Clients range from co-op boards and landlords managing walk-ups to restaurant owners, construction contractors, for hire vehicle drivers and households who rent rather than own.
The regulator is unusually active. The Department of Financial Services licenses insurers, agents, brokers and adjusters, writes detailed rules on cybersecurity and claims, and in 2024 issued guidance on AI in underwriting and pricing. Insurance mobile app development New York firms ask for has to respect all of that while staying simple enough for a tenant filing a water damage claim from a sixth floor apartment. These are the capabilities we build most often here. Most first releases use four or five of them, picked by where your service team loses the most hours each week.
Multi-factor authentication for staff and clients, encryption in transit and at rest, access reviews, audit trails and incident logging, designed to fit the controls your cybersecurity program reports under 23 NYCRR Part 500.
The app supports your Part 500 program instead of creating gaps in it.
Claim flows built for apartment losses: water from the unit above, a burst radiator pipe, theft from a building package room. Claimants add photos, the managing agent's details and a building incident report, and the file routes straight to the right handler. Renters who have never filed a claim get short explanations at each step.
City apartment claims arrive with the details adjusters ask for first.
Restaurants, contractors and retailers upload applications, loss runs, payroll and vehicle lists, and request certificates for landlords and general contractors. Several contacts under one business account each get their own access.
Submissions reach markets complete, and certificates go out on time.
If your underwriting or pricing uses external consumer data or AI models, the platform records data sources, model versions, test results for unfair discrimination and human review points, in line with what Circular Letter No. 7 expects insurers to document. Adverse decision notices explain the main reasons in plain language.
You can show DFS what data was used and why.
For life and annuity distributors, the app collects the suitability information Regulation 187 requires, records the basis for each recommendation and stores signed disclosures, so supervisors can review a sale before it closes.
Each recommendation has a documented basis.
Claim stages, document requests and written explanations are tracked against New York claim settlement rules, with supervisor alerts for files at risk of running late.
Fewer complaints about silence on an open claim.
New York's policyholders speak Spanish, Chinese, Russian, Bengali, Haitian Creole and many other languages. We plan layouts for translated text and let clients choose their language for screens, reminders and messages.
More clients complete service tasks on their own.
Card, Apple Pay, Google Pay and ACH premium payments through a PCI DSS compliant processor, with installment plans, receipts and reminders before a policy lapses.
Paying a premium takes seconds.
Retail brokers send submissions to wholesale or excess line partners, track quotes and binders, and keep diligent effort records where surplus lines placements require them.
Placements stay organized from submission to bind.
Drivers of for hire vehicles in New York City need commercial auto coverage that meets Taxi and Limousine Commission rules before they can work. A dedicated flow collects TLC license details, vehicle information and base affiliation, issues documents quickly and reminds drivers before coverage or paperwork lapses.
Drivers get back on the road without a trip to the agency counter.
Who this is for
Insurance claims app development New York clients bring us usually starts from a pain point: service teams buried in phone calls, a client portal nobody uses, or a regulator's question nobody could answer quickly. The firms below are the ones we design for most, and each leads to a different first release. We agree the starting point with your licensed staff and your security lead together. Larger firms sometimes fit two of these at once; in that case we build the shared parts first, such as sign-in, documents and payments, and add each group's tools in later releases.
Your account teams handle middle market and real estate risks with heavy certificate and renewal workloads. We build a client portal and app for submissions, certificates, policy documents and claim updates, connected to your agency system and secured to Part 500 standards, so relationship managers spend their time advising rather than chasing documents. Real estate clients with many buildings can see coverage by property, which makes lender and board requests much faster to answer.
Certificate automation is often the fastest win.
You write auto, renters and homeowners business for families in Queens, Brooklyn or the Bronx, often in several languages. The first release covers payments, ID cards, policy changes and claim reporting in the languages your staff already speak, with a dashboard so every request has an owner. Staff who serve walk-in clients at a storefront office can use the same tools at the counter, so in person and in app requests land in one queue.
Your producers sell to New York residents under the best interest standard. We build a sales app that captures suitability information, presents disclosures, records the reasoning behind each recommendation and lets supervisors review and approve before submission to the carrier. Records are stored so a supervisor or examiner can later see exactly what the client was shown and when.
Your compliance team approves every disclosure screen.
You price or underwrite using third party data or models and expect DFS questions. We build the producer and customer apps, plus the governance layer behind them: data source records, testing evidence, adverse decision notices and human review where a decision affects a consumer. Vendor contracts for data and model providers are tracked too, since the circular expects insurers to manage those relationships.
Model choices remain yours; we document how they are used.
How we work together
A fixed scope first release works for most brokers and agencies. A retainer then covers improvements, regulatory updates and new carrier connections. Carriers and MGAs with longer programs often take a dedicated team. Cost is driven by the number of user types, the depth of security controls and penetration testing, integrations with agency, rating, policy and claims systems, the number of languages, and any AI governance tooling. We explain each driver during discovery so you can weigh it against what the first release must do. We also price security testing as its own line, so you can see what it adds and plan for repeat tests after major releases. Weekly reviews by video call keep your security lead close to every decision.
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
React Native or Flutter apps, a secure API layer, cloud hosting with logging and key management your CISO can review, and integrations with your agency management, policy and claims platforms. We document every vendor and data flow for your third party risk files. Hosting regions, backups and key rotation are agreed with your security team before the first build.
01Mobile
02Data and cloud
03Marketing and tracking
Cybersecurity, claims handling, sales conduct and AI governance.
Licensed insurers, agents and brokers generally fall under 23 NYCRR Part 500, so the app must fit your cybersecurity program, with multi-factor authentication, encryption and logging. Claim flows need to support New York claim settlement rules, life and annuity sales need Regulation 187 records, and AI or external data in underwriting and pricing falls under Circular Letter No. 7. We map each one in discovery with your compliance officer. Licensing for every producer who gives advice through the app is recorded in the dashboard as well.
Schedule a free consultation and get a written recommendation, with costs, before you commit to anything.
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