# Novulo

> Composable low\-code platform for end\-to\-end insurance process automation

## At a glance

| Field | Value |
| --- | --- |
| Category | Insurtech Infrastructure |
| Type | Solutions Provider |
| Region | EMEA |
| Headquarters | Enschede, Netherlands |
| Founded | 2003 |
| Stage | Growth |
| Employees | 51-200 |
| Funding | Bootstrapped |

## Overview

Novulo is a composable low-code enterprise platform built for insurers, intermediaries, and service providers that need to automate front, mid, and back office insurance operations. Founded in 2003 in Enschede, Netherlands, the company targets carriers, managing general agents, and challenger insurtechs looking to replace or extend legacy policy administration systems.

The platform is built on a referential architecture using over 4,000 reusable components and 30,000 configurations. Applications are assembled rather than coded, enabling insurers to configure and deploy policy administration, underwriting, claims management, and renewal workflows. The system runs cloud-native and also supports on-premise and hybrid deployments. It integrates with existing ERP, CRM, and legacy insurance systems such as CCS, Anva, and Keylane.

Novulo serves 180+ customers representing 180,000+ users worldwide. Notable insurance customers include Anker Insurance Company, Markel, MAIA, JW Volmacht, ENNIA, and Du Gardijn. The company reports that clients can go live in weeks rather than years and reduce annual licensing costs by up to 40% through application rationalization. A strategic partnership with EY was announced in 2025-2026 to support insurance sector digital transformation and international expansion.

## Products & services

### Novulo Insurance Solution

A ready-to-use insurance solution covering the full insurance value chain for insurers, MGAs, and service providers. Covers product management, policy administration, underwriting, claims management, renewal management, digital sales, output management, pricing and acceptance, and financial processing.

**Key features:**

- Policy administration \-\- manage and maintain policies through their lifecycle
- Underwriting \-\- risk assessment and acceptance workflow
- Claims management \-\- end\-to\-end claims handling from first notice of loss to payout
- Renewal management \-\- automated renewal workflows
- Financial processing \-\- invoicing, payments, and commission settlements

*Target users:* Insurers, MGAs, intermediaries, and service providers

### Novulo Platform

The underlying composable enterprise application platform. Built on .NET with a referential architecture. Organizations use 4,000+ proven reusable components to assemble, deploy, test, and manage customized business applications without building from scratch. AI-native with role-based access control, full audit trails, and data encryption.

**Key features:**

- 4,000\+ reusable components with 30,000\+ configurations
- Cloud, on\-premise, and hybrid deployment options
- ISO 27001 certified security with GDPR compliance
- Integration with legacy insurance systems and ERP/CRM platforms

*Target users:* Insurers, intermediaries, enterprise technology teams

### Novulo Store

A component marketplace with 3,000+ reusable components and ready-made applications available to all customers and partners.

**Key features:**

- Shared library of pre\-built insurance and business components
- Contributes to ecosystem of 200\+ partners and developers
- Reduces time\-to\-market for new applications

*Target users:* Novulo customers and partner developers

### Novulo Tooling

Developer tools for assembling, testing, deploying, and managing applications on the Novulo platform.

**Key features:**

- Application assembly, deployment, and testing tools
- Supports the full lifecycle from build to production
- Used by 200\+ implementation specialists and developers

*Target users:* Implementation partners, internal development teams

## Category & focus

- Subcategories: Low\-code platform, Policy administration, Claims management, Underwriting workbench
- Insurance verticals: P&C Commercial, P&C Personal, Specialty/E&S, Life & Annuity
- Target customers: Carriers, MGAs/MGUs, Brokers

## Notable customers

- Anker Insurance Company \-\- migrated from legacy CCS system
- Markel \-\- replaced core system, improved product launch speed
- MAIA \-\- reduced development time from 3 years to 4 months
- JW Volmacht \-\- launched fully operational MGA in five months \(June\-November 2025\)
- Du Gardijn \-\- independent intermediary using platform for agility
- ENNIA \-\- insurance carrier
- DAK Intermediairscollectief \-\- intermediary collective

## Links

- Website: <https://novulo.com>
- Directory profile: <https://insurtechlist.com/companies/novulo/>
- Blog: <https://novulo.com/en/resources>
- Careers: <https://novulo.com/en/careers>
- Linkedin: <https://nl.linkedin.com/company/novulo>
- Press/news: <https://novulo.com/en/resources/ey-and-novulo-partnership>

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*Last updated: 2026\-06\-04*