Services · Ecommerce development · Insurance marketplaces
Codeeo delivers insurance marketplace website development in New York for brokerages, agent networks and insurtech companies that want shoppers and licensed producers meeting on one platform. We build producer onboarding with license checks, comparison listings, request routing across the five boroughs and beyond, platform billing, referral payouts, ratings and disputes. Security controls and producer compensation disclosures are designed in from the start, because New York regulators look closely at both.
We work with New York clients remotely, by video call, and keep a written record of every scope decision. The platform, its data and its payment accounts are yours from the first day of the build. Nothing is held back as a license from us.
200+ companies across the US and the UAEFrom a first store to a listed developer
Core platform
New York is one of the hardest places in the country to run an insurance platform casually. The Department of Financial Services licenses producers and sets a detailed cybersecurity regulation for the entities it licenses. Regulation 194 requires producers to tell buyers about their role and how they are paid. City shoppers are renters, co-op and condo owners, gig drivers and small business owners, many of them more comfortable in a language other than English.
The buyers are demanding too. A renter signing a lease in Astoria, a Bronx bodega owner renewing workers compensation and a Midtown consultant shopping for professional liability all expect answers quickly and in plain words.
Insurance comparison platform development for this market therefore starts with controls and disclosures, then builds the commerce on top. The result is a marketplace your compliance officer can explain to an examiner and a shopper in Flushing or the Bronx can use without help.
Multi-factor authentication for every producer and admin login, role-based access, encryption of nonpublic information, audit logs and documented incident response. We map platform controls to the DFS cybersecurity regulation so your annual compliance filing draws on real evidence rather than assumptions about what the vendor did.
Security your CISO can document to DFS.
Before a shopper is connected, the platform shows the producer's role and the fact that the producer may be paid by the insurer, with pay that can vary. A request link for compensation details is built in, and every disclosure shown is stored against the request with a timestamp.
Proof that each buyer saw the required disclosure.
Producers join with their National Producer Number. The platform checks New York license status and lines of authority on signup and on a schedule, records the result and stops routing to anyone whose license lapses or does not cover the line requested.
No unlicensed producer ever reaches a New York shopper.
Apartment shoppers compare renters, co-op and condo unit policies with clear notes on what the building's master policy usually covers and what it does not. Landlord and managing agent requirements for proof of coverage are captured up front, so producers can issue what the lease needs. Shoppers can also add a landlord as an interested party during the request.
City apartment cover explained in terms tenants understand.
New York employers need workers compensation and disability and paid family leave coverage. The business flow asks for headcount, payroll band and trade, then routes to producers who write those lines, with certificate requests and document upload in the same portal.
Restaurants, shops and contractors get the cover the state requires.
Forms and results in Spanish, Chinese and Russian alongside English, with more languages added by the operator. Language is a routing rule, so a shopper in Sunset Park or Brighton Beach reaches a producer who speaks with them comfortably, and the platform labels carrier documents that remain English only.
Producers matched to the languages New Yorkers speak.
Producers and agencies pay the platform for listing tiers, borough exclusivity or per-request fees by card or ACH. The checkout states renewal terms clearly, as New York's automatic renewal law requires for recurring plans, and cancellation is available from the account page.
Recurring revenue with renewal terms shoppers and producers can find.
Brokers, property managers and accountants who send clients can be paid through the platform. Because New York restricts compensation to unlicensed people who solicit or negotiate, referral payouts are set as fixed amounts not tied to a sale, the partner's role on screen is limited to the introduction, and tax forms are collected before payment.
Referral income for partners without crossing into selling.
Shoppers who were actually served rate the producer. Producers can reply, and disputes over lead quality or reviews go to a moderated queue with evidence and a recorded decision, which keeps both sides confident the marketplace is fair.
Trust built on verified experiences.
Requests by borough and line, producer response times, disclosure and consent completion rates, revenue by plan and open disputes, all in one console with exports for finance and compliance reporting.
Commercial and compliance numbers in the same place.
Who this is for
New York's insurance trade ranges from wholesale and specialty brokers in Lower Manhattan, around the old insurance district near Maiden Lane and John Street, to neighborhood agencies on Queens Boulevard and Fordham Road. The marketplace model suits firms that already hold licenses and carrier relationships and want a platform that sends shoppers their way and earns from the producers who serve them. Many New York clients sit between two of the situations below, and discovery decides which parts of each belong in the first release and which can wait for later.
Your member agencies cover Brooklyn, Queens, the Bronx and Staten Island, each with different carriers and languages. You want a single consumer site and fair distribution of requests. We build routing by ZIP code, line and language, member billing, and dashboards that keep each agency's book private while showing the network owner the whole picture. Requests nobody claims within a set window move to the next agency, so shoppers are not left waiting.
Distribution rules are agreed with members before launch.
You hold a New York agency license and plan to compare renters and unit owner policies online, with licensed staff on hand for questions. The first release covers the comparison, proof of coverage for landlords and producer handoff, with outside producer billing added once demand grows. Because renters often buy the day before a move, the flow is built to finish quickly on a phone, with a saved quote link if they stop halfway.
Landlord proof of coverage is often the first thing renters ask for.
Drivers licensed by the Taxi and Limousine Commission need commercial auto cover to operate. A portal that collects driver and vehicle details, routes to appointed producers and tracks document requests saves both sides hours of phone calls and repeated emails. Renewal reminders are built in too, since a lapse can take a driver off the road.
Commercial auto requests carry the most documents, so upload comes first.
Retail brokers across the state submit risks to you, see appetite and track quotes. We build broker onboarding with license checks, appetite listings that underwriters can edit, submission forms and status tracking, so your team stops chasing missing details by email. Brokers see only their own submissions, while underwriters get queues sorted by effective date and completeness.
Appetite text is edited by underwriters, not developers.
How we work together
Most start with a fixed scope build for the first release, covering the shopper flow, producer onboarding, disclosures and core billing, then keep a monthly retainer for new lines, languages and integrations. Firms with an internal product lead sometimes prefer a dedicated team that plans with them sprint by sprint. Our team of 80+ works from Dubai, Riyadh and Karachi and has delivered 200+ projects across the UAE and the US. Cost for each route is set after discovery and reflects the scope, controls and integrations chosen.
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 choose the stack around your security requirements, payment provider and carrier connections. A typical build pairs a Next.js or React front end with a Laravel or Node back end, hosted in your own cloud account with encryption, logging and backups configured before launch. Infrastructure is written as code so it can be reviewed.
01Web
02Commerce
03Data and cloud
04Marketing and tracking
Scope, controls and integrations, more than page count.
The main drivers are the number of lines and languages at launch, whether quotes come from live carrier rating or from producers, the depth of security controls your firm needs under Part 500, and how complex the billing and payout rules are. Connections to agency management systems and carrier platforms add effort too. We quote after discovery, once those decisions are written down. A narrow first release with one or two lines keeps the initial build manageable and proves the model before bigger spend.
Schedule a free consultation and get a written recommendation, with costs, before you commit to anything.
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