Novulo

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

Insurtech Infrastructure Growth 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

At a Glance

Founded: 2003
Headquarters: Enschede, Netherlands
Employees: 51-200
Funding: Bootstrapped

Category & Focus

Category: Insurtech Infrastructure
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

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