system.online|v2.1.0|dallas, tx
status: operational|00:00:00
Insurance Ops

Policy administration
without the six-figure price

Legacy insurance policy management systems cost $30,000–$120,000 per year. Virobit gives small carriers and MGAs modern policy administration, claims processing, premium billing, and agent portals — at a price that makes sense.

$ book_demo() view_features →

No contract · 7-day setup · Cancel anytime

virobit — insurance-ops.sh▸ click to interact
// avg claim cycle
4.2 days
average claim processing cycle time
// STP rate
89%
straight-through processing for simple claims
// admin time saved
60%
reduction in manual administrative work
// time to live
7 days
average migration & go-live time
features

Full insurance operations
in one platform

Built for P&C carriers, life/health 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

Policy system live in
7 days

step-01.sh

Day 1–3 · Data Migration

We migrate your policy records, claims history, and billing data. Includes data validation and reconciliation reports.

step-02.sh

Day 4–6 · Configure & Train

Set up product lines, rating tables, billing rules, and commission schedules. Train your underwriting and claims teams.

step-03.sh

Day 7 · Go Live

Process new policies, endorsements, and claims. Agents access the portal. Billing runs on your defined cycle.

pricing

Insurance software pricing
you can budget for

Flat monthly pricing based on policy count. No per-user fees, no module add-ons.

starter.plan
// starter
$299/mo

For small carriers and MGAs with up to 1,000 active policies replacing spreadsheet-based operations.

  • Up to 1,000 active policies
  • Policy issue, endorse & cancel
  • Basic claims intake
  • Premium billing & collections
  • Document generation & storage
  • Standard reporting suite
start_free_trial()
growth.planPOPULAR
// growth
$599/mo

For established carriers with up to 10,000 policies, agent portals, and full claims management.

  • Up to 10,000 active policies
  • Everything in Starter
  • Full claims adjudication workflow
  • Agent & broker portal
  • Commission tracking
  • E-signature integration
  • Compliance reporting exports
start_free_trial()
enterprise.plan
// enterprise
Custom

For carriers with 10,000+ policies, surplus lines operations, reinsurance tracking, or state filing requirements.

  • Unlimited active policies
  • Everything in Growth
  • Surplus lines tax & stamp
  • Reinsurance cession tracking
  • Multi-state regulatory filing
  • Custom product configuration
  • Dedicated account manager
contact_sales()
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?+
Virobit includes configurable compliance tools including cancellation/non-renewal notice periods by state, proof-of-mailing generation, surplus lines stamping, and standard regulatory report formats. We update compliance rules when regulations change and notify customers of required configuration changes.
How does claims straight-through processing work?+
For claims that meet pre-defined criteria (coverage confirmed, estimate within threshold, no fraud indicators), Virobit automatically approves and queues payment without adjuster intervention. On average, 89% of simple claims process straight-through, reducing average cycle time to under 5 days.
get-started.sh
→ insurance.get_started() ✓ 60% reduction in admin time ✓ Live in 7 days ✓ 90% less than legacy PAS costs // Modern policy admin is finally affordable.
$ book_free_demo() read_faq →