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Openkoda

Open-source insurtech platform for building and scaling insurance applications

Insurtech Infrastructure Startup Bootstrapped
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Overview

Openkoda is an insurtech infrastructure platform for P&C carriers, MGAs, and insurtech startups that need to build and scale modern insurance applications. Based in Wroclaw, Poland, the company offers an open-source, low-code development platform built on Java and Spring Boot that covers the full insurance application stack -- from policy management and claims processing to embedded insurance and underwriting dashboards. The platform is available as an open-source Core Edition under the MIT license and a commercial Enterprise Edition with additional tooling and dedicated support.

The platform provides pre-built templates, modular feature components, and a configurable workflow engine that reduce custom application development time by up to 60% compared to bespoke builds. Openkoda 2.0, released in October 2024, added Generative AI capabilities including a natural language Reporting AI feature that translates plain-text queries into SQL reports. Deployment options include Openkoda Managed Cloud, private cloud, and on-premises, with REST API auto-generation and server-side JavaScript for custom integrations.

Founded in 2019 by Arkadiusz Drysch and Michal Glomba, who previously delivered systems for Santander, Barclays, PZU, Swiss Re, and Lloyd's, Openkoda operates as a bootstrapped company serving clients in the United Kingdom, United States, and Western Europe. The open-source GitHub repository has accumulated 1,000+ stars and the company has been covered by FinTech Global, Insurtech Insights, Insurance ERM, and European Business Review.

Products & Services

Openkoda Core (Open-Source Edition)

Open-source insurtech application platform available under the MIT license on GitHub. Provides the foundational application layer for building custom insurance systems, including authentication, role-based access control, multitenancy, REST API auto-generation, a dashboard builder, and full audit trails.

Key Features

  • Role-based access control and advanced user management
  • Auto-generated REST API with GraphQL and webhooks support
  • Multitenancy with configurable audit trail and event log

Target Users: Insurtech startups, carrier engineering teams, MGA technology teams

Openkoda Enterprise Edition

Commercial tier extending the Core platform with additional development tooling, enhanced dashboard customization, advanced multitenancy (separate schemas and databases per tenant), high-availability clustering, and dedicated support services. Deployed via Openkoda Managed Cloud or private/on-premises infrastructure.

Key Features

  • Enhanced custom dashboard builder with drag-and-drop widgets
  • Advanced multitenancy with schema-level data separation
  • High-availability clustering for production deployments

Target Users: P&C carriers, established MGAs, enterprise insurtech teams

Policy Management Module

Pre-built module covering the full policy lifecycle from issuance through renewal and endorsements. Includes configurable business rules, workflow automation, and document generation.

Key Features

  • Full lifecycle management from issuance to renewal
  • Configurable underwriting rules and business logic
  • Automated document generation (PDF, Word, Excel)

Target Users: P&C carriers, MGAs

Claims Management Module

Automated claims lifecycle engine with configurable workflows covering the full process from first notice of loss through settlement.

Key Features

  • Pre-built claims engine with configurable stages
  • First notice of loss (FNOL) intake and routing
  • Workflow automation and status tracking

Target Users: P&C carriers, TPAs

Embedded Insurance Module

API and UI component library for integrating insurance products into third-party digital customer journeys, supporting custom quote forms, policy issuance, and claims initiation from external digital products.

Key Features

  • Embeddable quote and bind flows
  • Policy issuance and claims initiation via API
  • Customizable UI components for non-insurance digital products

Target Users: Insurtech startups, digital distribution partners, carriers building embedded channels

Reporting AI

Natural language query interface powered by large language models. Users submit plain-text requests and the system auto-generates the corresponding SQL query, returning formatted reports with data visualization.

Key Features

  • Natural language to SQL translation via LLMs
  • Automated report generation with chart visualization
  • Integrated with Openkoda's data layer -- no separate BI tool required

Target Users: Insurance business analysts, operations teams, underwriting managers

At a Glance

Founded
2019
Headquarters
Wroclaw, Poland
Employees
11-50
Funding
Bootstrapped

Category & Focus

Category
Insurtech Infrastructure
Subcategories
Low-code platforms Core Administration Policy Management Claims Technology Embedded Insurance
Insurance Verticals
P&C Commercial P&C Personal Specialty/E&S
Target Customers
Carriers, MGAs/MGUs

Customers

  • Clients in the United Kingdom, United States, and Western Europe (specific names not publicly disclosed)

Links

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Last updated: 2026-06-04