House of Insurtech

Software platform for digital insurance distribution and policy administration

Distribution & Sales Startup Seed

Overview

House of Insurtech is a digital distribution and policy administration platform for carriers, MGAs, and new market entrants in the UK insurance industry. The company, based in Beckenham, Kent, was founded in 2020 by James Downes and Nigel Coppen ACII, who bring complementary backgrounds in digital strategy and insurance operations.

The platform offers two core products: Insurforce, a cloud-based SaaS system covering quote-and-buy, policy administration, and an underwriting API; and QUBAPI, a standalone rating and underwriting engine designed to integrate with legacy systems. Both products decouple the customer journey from the rating engine, allowing insurers to design their own digital experiences across web, mobile, and embedded channels without restructuring their core technology stack.

House of Insurtech raised approximately GBP 500,000 in a Seed round in June 2021 following earlier funding from SFC Capital. Publicly referenced clients include Activity Business Cover and Enhance Insurance Services. The company has been recognized as an InsurTech 50 company.

Products & Services

Insurforce

Cloud-based SaaS platform providing end-to-end quote-and-buy and policy administration capabilities for insurance carriers and MGAs.

Key Features

Flexible, responsive web application for quote-and-buy workflows
Policy administration with cloud-based configuration
Innovative underwriting API that decouples the rating engine from the customer journey
No-code environment for building products, integrations, and documentation
Supports web, mobile, and embedded insurance distribution channels

Target Users: Carriers, MGAs seeking to modernize digital distribution

QUBAPI

A standalone quote-and-buy API offering a high-performance rating and underwriting engine that can operate independently or layer onto existing legacy systems.

Key Features

Standalone or legacy-integration deployment modes
High-performance rating and underwriting processing
Declarative underwriting approach -- collects risk facts before calculating premiums
Enables digital distribution without requiring a full policy administration overhaul

Target Users: Carriers and MGAs with existing core systems looking to add digital distribution

At a Glance

Founded: 2020
Headquarters: Beckenham, Kent, United Kingdom
Employees: 11-50
Funding: Seed

Category & Focus

Category: Distribution & Sales
Subcategories: Quote-and-Buy Policy Administration Embedded Insurance Underwriting API
Insurance Verticals: P&C Commercial Specialty/E&S
Target Customers: Carriers, MGAs/MGUs