# Smart Policy > Cloud\-based insurance platform serving carriers, brokers, and agents across East Africa ## At a glance | Field | Value | | --- | --- | | Category | Core Administration | | Type | Solutions Provider | | Region | EMEA | | Headquarters | Dar es Salaam, Tanzania | | Stage | Growth | | Employees | 30-100 | | Funding | Bootstrapped | ## Overview Smart Policy is a cloud-based insurance administration platform developed by Imatic Technologies Limited that unites carriers, brokers, agents, assessors, and regulatory authorities on a single digital system. The platform eliminates the need for multiple disparate software tools by consolidating policy sales, underwriting, claims processing, settlement, and compliance workflows in one integrated solution. The platform delivers comprehensive insurance management capabilities including multi-channel distribution (office locations, mobile units, retail partners), quote generation, policy issuance, claims handling, settlement processing, and regulatory reporting. Smart Policy integrates with mobile money and bank payment gateways, enabling digital transactions across East Africa's diverse payment ecosystems. A standout differentiator is Smart Policy's AI-powered vehicle inspection tool, trained on over 7 million damage photographs, which achieves 96% accuracy in detecting 19 types of vehicle damage across 81 car components. This automation reduces claims assessment time and improves accuracy in auto insurance underwriting and claims. The platform's scalability allows carriers to expand branch operations without proportional infrastructure investments, making it attractive for growth-stage insurers in emerging markets. ## Products & services ### Smart Policy Platform Comprehensive insurance management system providing a unified hub for all stakeholder interactions in the insurance value chain. **Key features:** - Multi\-channel distribution network management \(office\-based, mobile vehicle, retail\) - Automated quote generation and policy issuance - Claims triage, assessment, and settlement workflows - Customer management and renewal automation - Integration with mobile money \(M\-Pesa\) and bank payment processors - Regulatory compliance and reporting dashboards - AI\-powered vehicle damage detection for claims assessment *Target users:* Insurance carriers, brokers, agents, assessors ### Hifadhi Biashara \(Small Business Insurance\) A product co-developed with Howden Tanzania providing affordable insurance coverage for small businesses and informal sector enterprises, distributed through USSD, e-commerce, and digital platforms. **Key features:** - USSD\-based insurance access for feature phone users - E\-commerce integration for digital distribution - Simplified underwriting for SME segments - Mobile payment support *Target users:* Small businesses, informal sector enterprises, microfinance clients ### Related Solutions Imatic Technologies Limited also operates complementary products: **Key features:** - \*\*SmartERP Platform\*\* — Enterprise resource planning for general business operations - \*\*Smart Assist\*\* — Roadside assistance solution for auto insurers - \*\*SmartERP POS\*\* — Point\-of\-sale system for retail operations ## Category & focus - Subcategories: Policy Management, Claims Processing, Billing & Settlement - Insurance verticals: P&C Personal, P&C Commercial - Target customers: Carriers, Brokers, Agents ## Notable customers - Multiple unnamed insurance carriers across East Africa using Smart Policy for distribution and claims management - Howden Tanzania \(strategic partnership for Hifadhi Biashara distribution\) - Broker and agent networks across Tanzania and the East African region ## Links - Website: - Directory profile: - Facebook: - Linkedin: - Partner program: - Project details: --- *Last updated: 2026\-06\-17*