Services · Mobile app development · Insurance apps
Codeeo offers insurance app development USA carriers, MGAs, agencies and claims administrators use to sell, service and settle across many states from one platform. We build customer apps, producer and adjuster tools, and admin dashboards that keep each state's forms, disclosures, licensing and claim rules separate. Insurance is regulated state by state, so a national app has to be designed for fifty sets of rules from the first sprint.
We work remotely with US clients from our team of 80+ in Dubai, Riyadh and Karachi; we have no US office, and discovery, reviews and demos run by video call. We have delivered 200+ projects across the UAE and the US and are rated 4.7 from 23 Google reviews. A national program is planned as a series of state launches, each with its own review.
200+ companies across the US and the UAEFrom a first store to a listed developer
Capabilities
The McCarran-Ferguson Act leaves insurance regulation mainly to the states, and the National Association of Insurance Commissioners helps those state regulators coordinate through model laws, bulletins and shared systems. The result is a national market with local rules: rates and forms filed state by state, often through the NAIC's SERFF system, producers licensed in each state they sell in, and claim handling standards that vary from one insurance department to the next.
Insurance mobile app development USA firms commission therefore has a different shape from a single city app. The core features stay the same everywhere, but forms, disclosures, deadlines and availability switch by state. These are the capabilities we build into national platforms, starting with the configuration layer that makes the rest possible. Catastrophe seasons differ too: hurricanes on the Gulf and Atlantic coasts, wildfire in the West, hail across the Plains and Texas, and winter storms in the North, so claim flows are tuned to the perils each state actually sees.
One admin area defines, for each state, which products are available, which approved forms and disclosures appear, which claim deadlines apply and which language rules are in force. Launching a new state becomes a configuration and review task, not a new app release. Every change is versioned, so you can see which rules applied to a policy on any date.
New states go live through settings your compliance team controls.
Producers are identified by their National Producer Number, with resident and nonresident licenses and lines of authority recorded per state. Quotes and service requests route only to people licensed for that state and line, with alerts before renewals lapse.
No producer acts in a state where they are not licensed.
Quote flows call your rating engine, show state specific coverage options and disclosures, collect e-signatures under the federal E-SIGN Act, and bind within underwriting rules, with referrals to an underwriter when an answer falls outside appetite.
Straightforward risks bind without a phone call.
Claimants report auto, property, travel or pet losses with photos, video and location, guided by questions specific to the loss type. The claim opens in your claims system with the governing state's deadlines already attached.
Every claim starts on the right clock for its state.
Staff and independent adjusters get assignments, inspection checklists, offline photo capture and estimates in one app, while repair shops, contractors and mitigation vendors see only their own jobs. Adjuster license states are checked before a file is assigned, since many states license adjusters separately.
Catastrophe teams from other states can start work on day one.
Policy documents, ID cards, coverage summaries, address and vehicle changes, and beneficiary updates where products allow, available on iOS and Android and on the web, accessible under WCAG guidelines.
Service calls fall as routine changes move into the app.
Card, Apple Pay, Google Pay and ACH payments through a processor that keeps PCI DSS scope small, with installment plans, autopay and state appropriate notices before cancellation for nonpayment.
Fewer lapses and fewer billing calls.
Gramm-Leach-Bliley privacy notices, state privacy rights where they apply, marketing consent under the Telephone Consumer Protection Act for calls and texts, and HIPAA safeguards for health and some supplemental lines.
Each user's consents and notices are on record.
For any AI used in marketing, underwriting, pricing, claims or fraud detection, the platform logs data sources, model versions, outputs and human review, matching what the NAIC model bulletin asks insurers to be able to show. Reports show which decisions a person changed after review.
Regulators in any adopting state can see how a decision was made.
APIs and white label screens let retailers, lenders, auto dealers or travel sites offer your product at checkout, with the licensed entity, disclosures and state rules handled by your platform.
New distribution channels without rebuilding compliance each time.
Who this is for
Insurance claims app development USA clients request rarely stays in one state for long. A firm that starts in its home state usually expands into neighbors, then further. The situations below are the ones we see most often, and each one changes which capabilities come first. We plan the first release for the states you have now and the data model for the states you expect next. We also look at who holds the risk, since a carrier, an MGA writing on a fronting paper and an agency each carry different obligations in the app.
You launched in one or two states and plan to add more as filings are approved. The state configuration layer, producer licensing checks and digital quote and bind come first, because they let each new state launch through settings and review rather than development work. Your carrier partners and fronting arrangements are reflected in which entity appears on each screen. Partner carriers can review each state's screens before launch.
Most expansion delays come from filings, not code.
You write personal and commercial lines across a group of neighboring states through independent agents. We build a policyholder app and an agent portal on top of your policy administration and claims systems, so both channels see the same data and your call center volume drops. Agents see their book, commissions and open service requests, while policyholders see the same policy record through a simpler view.
Your licensed staff sell products from many carriers to customers in every state. We build a quoting and service app that respects each carrier's appetite, each state's disclosures and each producer's licenses, with a CRM view of every customer and consent records for outbound calls and texts. Lead sources, call outcomes and quote status flow into reporting so managers can see which channels write business in which states.
TCPA consent design matters as much as the quote flow.
You handle claims for several carriers and self insured clients across many states. We build claimant, adjuster and client reporting apps with deadline tracking by state, vendor management and reports configured per client contract. Client carriers get their own dashboards with only their claims visible, which keeps data separated between contracts.
Adjuster licensing rules also differ by state.
How we work together
Some clients start with a fixed scope first release covering their launch states. Others take a dedicated team for a longer national program, with the same engineers building each expansion. A retainer suits firms that already have an app and need steady improvement. Cost is driven by the number of states and products at launch, user types, the integrations with rating, policy, billing and claims systems, partner APIs, and the depth of AI governance and security testing. We explain each driver in discovery. Adding states after launch is usually far lighter than the first release, because the configuration layer does most of the work.
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
Cross platform apps in React Native or Flutter, a typed API layer, cloud hosting with encryption and audit logging, and connectors to the rating, policy administration, billing and claims platforms you already run. State rules live in configuration, not hard coded in the apps. Feature flags let you release a capability in one state while it waits for approval in another.
01Mobile
02Data and cloud
03Marketing and tracking
Every state can have its own forms, disclosures, licensing and claim rules.
An app built for one state often hard codes that state's rules, and expansion then means rewriting screens. We separate the rules from the code: products, forms, disclosures, deadlines and licensing checks are configured per state in an admin area your compliance team controls. The apps read that configuration, so a new state goes live after review and testing rather than a full development cycle. The same approach covers claim deadlines and cancellation notice rules, which also vary by state.
Schedule a free consultation and get a written recommendation, with costs, before you commit to anything.
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