virobit.dev — all systems nominal|build: stable|dallas, tx
status: operational|00:00:00
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Insurance Ops

Policy administration
without the six-figure price

Legacy policy management systems cost $30,000–$120,000 per year. We scope and build modern policy administration, claims processing, premium billing, and agent portals for small carriers and MGAs — owned by you, not rented.

$ book_scoping_call() view_features →

In private build · available as a scoped rebuild · you own the result

virobit — insurance-ops.sh · simulated data▸ click to interact
// build status
in build
private development — available as a scoped rebuild
// after hand-off
$0
required recurring fees — the meter stops
// ownership
100%
source code and data are yours
// scoping call
free
we model your numbers before you commit
features

Full insurance operations
in one platform

Built for P&C carriers, MGAs, and surplus lines operators running 1,000–100,000 policies.

policy-admin.sh

Policy Administration

Issue, endorse, renew, and cancel policies with full audit trail. Supports multiple lines of business on one platform.

claims-mgmt.sh

Claims Processing

FNOL intake, coverage verification, adjuster assignment, estimate workflow, and payment disbursement — all in one flow.

premium-billing.sh

Premium Billing

Installment schedules, direct bill and agency bill, payment processing, automated lapse prevention, and reinstatements.

agent-portal.sh

Agent & Broker Portal

Commission tracking, quoting tools, submission workflows, and book-of-business reporting for your distribution network.

document-mgmt.sh

Document Management

Policy documents, dec pages, claims files, and correspondence — with e-signature, versioning, and secure storage.

compliance-reports.sh

Compliance & Reporting

State department filings, loss runs, combined ratio reporting, surplus lines tax returns, and regulatory audit logs.

how it works

Scope. Build.
Hand it over.

No months of consultants and no subscription treadmill — one scoped build with a fixed quote, tested against your real data.

step-01.sh

01 · Scope

A free call where we map your accounts, workflows, and integrations, then put a fixed price in writing. No surprises later.

step-02.sh

02 · Build

We build against your real data and run parallel test cycles next to your current system until the numbers match.

step-03.sh

03 · Hand-off

Source code, documentation, and your data — delivered and owned by you. Optional flat-fee hosting if you want us to run it.

pricing

One scoped build.
You own it.

No subscription tiers — this isn't rented SaaS. We scope your rebuild, quote a fixed price, and hand over the source when it ships.

scoped-rebuild.plan
// how it's priced
Fixed quote · one-time

Every operation is different, so every build is scoped individually — sized to your accounts, workflows, and integrations. The homepage calculator models the 5-year math against staying on legacy software.

  • Free scoping call & written fixed-price quote
  • You own the source code and your data
  • $0 required recurring fees after hand-off
  • Optional flat-fee hosting if you'd rather we run it
  • Documentation written for your system, not boilerplate
book_scoping_call() run_the_cost_calculator()
faq

Insurance Ops
questions answered

Which lines of business does Virobit support?+
Virobit supports personal lines (auto, home, renters), commercial lines (BOP, GL, commercial auto, WC), and specialty lines. Each product line is configured separately with its own rating factors, forms, and coverage rules. Life and health modules are on the roadmap for 2027.
Can Virobit handle both direct bill and agency bill?+
Yes. Virobit supports both billing methods. Direct bill accounts receive invoices and pay the carrier directly via the customer portal. Agency bill accounts are invoiced to the agency with commission netting. You can configure the default per product or override per account.
Is Virobit compliant with state insurance regulations?+
The build includes configurable compliance tools — cancellation/non-renewal notice periods by state, proof-of-mailing generation, surplus lines stamping, and standard regulatory report formats. When regulations change, rule updates can be covered under an optional support agreement; you're never forced onto a new contract.
How does claims straight-through processing work?+
For claims that meet pre-defined criteria (coverage confirmed, estimate within threshold, no fraud indicators), the system can approve and queue payment without adjuster intervention. The design goal is straightforward: most simple claims straight-through, with cycle times measured in days instead of weeks.
get-started.sh
→ insurance.get_started() ✓ Free scoping call — no commitment ✓ Fixed-price quote, in writing ✓ You own the build when it ships // Ready to stop renting your software?
$ book_scoping_call() read_faq →