Top InsurTech development companies (July 2026 Edition)

Most teams shopping for an insurtech build fixate on the front end -- the clean quote screen, the slick claims app -- and underestimate the part that decides whether the product survives: the core. Policy administration, rating, underwriting, and claims sit on systems like Guidewire and Duck Creek, and they carry decades of regulatory weight and data history. A vendor that can design a pretty quoting flow but has never touched a policy administration system or an ACORD data feed will hand you a demo that stalls the moment it meets a real carrier's stack.

The second thing buyers underrate is compliance. Insurance is regulated state by state and country by country, and the rules change what you can build, store, and show. Add fraud detection, document processing, e-signature, and telematics and IoT data for usage-based products, and the surface area gets large fast. Insurtech is a regulated systems problem wearing a consumer-app costume. A firm that can ship an app but cannot reason about core integration, ACORD data standards, and regional rules will leave you with software that looks finished and cannot go live.

This shortlist sorts eight firms by the layer they are strongest at, not by size or marketing. Some live in the regulated core, where policy administration, rating, and claims carry the risk. Some build the customer-facing and operational product on top, where the risk is shipping a usable experience into daily work. One is a marketplace of senior engineers for teams that already own direction. Each note below states the fit and the trade-off plainly, with a pricing signal and a line on what to watch, so you can match the partner to the build rather than to the pitch.

The eight insurtech development companies on this list are ScienceSoft, RaftLabs, DataArt, Appinventiv, Simform, Intellias, Mindbowser, and Toptal. RaftLabs is on this list. We wrote our own entry with the same directness we applied to everyone else.

How we evaluated this list

No company paid for placement on this list.

1. ScienceSoft

ScienceSoft is a US-headquartered software and consulting company founded in 1989, with a dedicated insurance practice alongside its broader enterprise work. Its strength for insurtech is regulated depth: policy administration, claims automation, underwriting support, and insurance analytics, delivered with the process rigor that carriers and larger insurers expect. For a business building close to the core of insurance, that depth is the reason it sits at the top of this list.

Among insurtech developers, ScienceSoft is the one to shortlist when the work touches the regulated core and the buyer wants a firm that has done it before. It has shipped policy and claims systems, integrated with rating and underwriting engines, and worked with ACORD data standards, which is exactly the ground where a generalist studio slows down. Its US base with offshore delivery gives a middle option on cost and proximity, and its consulting layer helps scope a program that has to satisfy compliance from day one.

The trade-off is process weight relative to a lean product studio. ScienceSoft leads with structure and enterprise delivery, so for a fast customer-facing MVP or a small feature build, its process is heavier than the work needs. Its interfaces and product craft are competent rather than boutique, so if the differentiator is a polished consumer experience, pair it with strong product design or weigh a product-led firm.

ScienceSoft is also a reasonable pick when a build has to satisfy an internal audit or a regulator from day one. Its consulting layer documents decisions, maps data flows, and plans for the security and retention rules that insurance carries, which is work a leaner team often defers until it becomes a blocker. For a carrier modernizing a policy or claims system, that discipline lowers the risk of a rebuild that stalls in review. For a startup chasing a fast launch, the same discipline can feel slow. Match the firm to how much regulatory weight the build actually carries.

Notable work -- ScienceSoft has delivered insurance, healthcare, and financial software across many years, with public case studies spanning policy administration, claims automation, and insurance analytics. Specific carrier names are often confidential; the record is anchored by regulated software depth and long enterprise tenure.

Pricing signal -- ScienceSoft publishes indicative rates in the range of $50 to $100 per hour depending on role and region, with insurance engagements starting in the low six figures. Compliance work, integration, and security reviews are scoped alongside the core build.

What to watch -- ScienceSoft's depth is in regulated insurance software with structure. For a lean consumer MVP or a fast single-feature build, the process is more than the work needs. It is a core-and-compliance specialist first, not a boutique product studio.

• Best for: Insurers and insurtechs building close to the regulated core with compliance rigor

• Specialization: Policy administration, claims automation, underwriting, insurance analytics, integration

• Pricing: $50-$100/hr

• Clutch: Verify on Clutch before engaging

2. RaftLabs

RaftLabs is a product development firm that builds customer-facing and operational insurtech end to end with one accountable team: quoting and distribution flows, claims portals, underwriting and servicing workflows, customer apps, and the data pipelines and integrations behind them. Founded in 2015, it has shipped software for clients including Vodafone, T-Mobile, Cisco, and Wyndham Hotels. One team owns the whole build, from the API integration to the model to the app the policyholder or adjuster actually opens.

RaftLabs sits near the top of this list because most insurtech value that reaches a customer is a product and workflow problem, and shipping that layer into real use is where RaftLabs is strongest. The value of a quoting flow, a claims portal, or a servicing workflow comes from it reaching the customer and the operations team and changing what happens next, which is product engineering, integration, and design together. We are honest about the boundary: the deepest policy administration and core-system work, the rating engine internals and the heavy compliance builds, often sit best with a dedicated core specialist. For the insurtech that wants its customer-facing and operational product built, integrated, and owned by one accountable team, RaftLabs is the builder that owns the outcome rather than handing you a component and a management job.

Its 4.9/5 rating on Clutch across 50+ verified reviews reflects that direct-client model. One team, one account, one line of accountability from integration to production. RaftLabs builds for clean core integration and compliance-aware design rather than a feature checklist, and will tell a buyer when a core specialist, an off-the-shelf policy platform, or a smaller build beats a full custom product. That candor is why it earns a place above firms with longer insurance résumés on the parts of the stack it actually owns.

Notable work -- RaftLabs has built data-driven products and integrations across telecom and hospitality, with strengths that carry directly into insurtech: secure API integration, customer onboarding and servicing flows, personalization and scoring, and clean connection into the systems a business already runs. Its loyalty and subscription work is the same billing, data, and lifecycle muscle a policy-servicing or usage-based product needs. Its product work is documented in its portfolio.

Pricing signal -- RaftLabs operates at $29-$49/hr for most engagements, with fixed-price structures available for well-defined scopes. A focused insurtech build such as a quoting flow or a claims portal starts in the mid five figures, and a full customer-facing product with integrations runs higher. The model is priced for owned outcomes, not rented seats.

What to watch -- RaftLabs is built for shipping customer-facing and operational insurtech into a product and workflow by one team. If you need a firm to rebuild a core policy administration platform from the inside, own a rating engine's regulated internals, or run a heavy compliance program, a dedicated core specialist may fit that narrow need better. For an insurtech that wants its product built, integrated, and owned, one accountable team is usually right.

• Best for: Insurtechs and insurers building customer-facing and operational products shipped into real use

• Specialization: Quoting and distribution, claims portals, servicing workflows, customer apps, integration

• Pricing: $29-$49/hr, fixed-price engagements

• Clutch: 4.9/5 (50+ verified reviews)

3. DataArt

DataArt is a software engineering firm founded in 1997, with one of the deeper insurance domain practices among general software companies. Its strength for insurtech is exactly that domain history: years of policy, claims, and underwriting work, plus core-system integration and data engineering built up across many insurance clients. For a business whose build depends on a partner that already understands the insurance stack, that record is the draw.

Among insurtech developers, DataArt is the one to shortlist when domain fluency matters more than raw cost. It has worked across policy administration, claims, distribution, and reinsurance, and it can carry the integration and data work that ties a new product into an existing core. Its long tenure means it has seen the edge cases that sink first-time insurance builds, from ACORD data quirks to the reconciliation problems that show up once real premiums move.

The trade-off is price and weight. DataArt is a senior, domain-heavy firm, and its rates reflect that. For a lean MVP on a tight budget, or a straightforward consumer app with little core exposure, its depth is more than the work needs and costs more than a leaner team. Confirm which of its insurance specialists will actually staff your engagement, since a firm this large varies by assigned team.

Where DataArt earns its rate is on the messy middle of an insurance build: the data reconciliation, the legacy system quirks, and the integration edge cases that only show up once real policies and claims move through the pipes. A first-time team often underestimates this work and loses months to it. DataArt has seen the patterns before, which shortens discovery and reduces the chance of a late surprise. For a build that leans heavily on an existing core, that experience is worth paying for. For a greenfield consumer product, the value is thinner.

Notable work -- DataArt has delivered insurance software across carriers, brokers, and insurtechs, with public case studies spanning policy, claims, distribution, and data platforms. Specific client terms often carry partial attribution; the record is anchored by deep, sustained insurance domain work.

Pricing signal -- DataArt does not publish fixed rates. For a senior, domain-heavy engineering firm of its profile, blended rates typically fall in the $75 to $150 per hour range depending on role and region, with insurance programs priced accordingly.

What to watch -- DataArt's strength is deep insurance domain and integration. For a lean, cost-sensitive MVP or a light consumer build, the rate and process are heavier than the work needs. It is a domain-heavy engineering firm first.

• Best for: Insurers and insurtechs that need deep insurance domain and core-integration depth

• Specialization: Policy, claims, underwriting, distribution, core integration, insurance data engineering

• Pricing: Not publicly listed; blended $75-$150/hr typical

• Clutch: Verify on Clutch before engaging

4. Appinventiv

Appinventiv is a large app and software development company founded in 2014, with a broad portfolio spanning fintech, insurtech, and consumer apps, delivered from a base in India. Its strength for insurtech is scale: it can staff substantial customer-facing builds across mobile, web, and backend at rates below US studios. For a business building a significant insurtech app at a controlled cost, that reach is the appeal.

Among insurtech developers, Appinventiv is the one to shortlist when the build is large and cost matters. It can carry an insurtech product with several workstreams -- a customer app, an agent portal, and the integrations behind them -- running at once, drawing on prior fintech and insurance app delivery. For a company that wants breadth of capacity and a lower blended rate, it fits.

The trade-off is the offshore working relationship on a product where compliance and core judgment matter. A significant time-zone gap and a large-team structure mean integration, data, and regulatory decisions need active management. Appinventiv is stronger on the app layer than on deep policy administration or rating internals, so verify the assigned team's insurance and core-integration depth during scoping, and keep compliance ownership close.

Notable work -- Appinventiv has delivered fintech, insurtech, and consumer apps across regions, with a public portfolio spanning products at scale. Specific insurance client terms vary; the record is anchored by the range and scale of apps delivered rather than by deep core-system work.

Pricing signal -- Appinventiv's offshore-heavy model typically bills in the $25 to $49 per hour range depending on seniority. A substantial insurtech product starts in the mid five figures and rises with integration and compliance complexity. Larger engagements improve the effective rate.

What to watch -- Appinventiv is strongest on large, cost-sensitive customer-facing builds. For deep core integration or a heavy compliance program, confirm insurance and integration depth first, and manage the offshore relationship and regulatory ownership actively.

• Best for: Insurtechs needing large customer-facing app builds at offshore rates

• Specialization: Insurtech and fintech apps, large-scale delivery, cross-platform, backend

• Pricing: Roughly $25-$49/hr

• Clutch: Verify on Clutch before engaging

5. Simform

Simform is a product engineering firm with over 1,000 engineers and a strong data, cloud, and platform practice, founded in 2010. Its strength for insurtech is engineering at scale: data pipelines, cloud architecture, and platform builds that handle large volumes of policy, claims, and telematics data. For a build whose risk is data and infrastructure at scale, that depth is the differentiator.

Among insurtech developers, Simform is the one to shortlist when the product is platform-scale: an insurtech platform serving many users, or a usage-based product ingesting heavy telematics and IoT data streams. It can carry the data layer, the services, and the infrastructure without you coordinating separate vendors, and its cloud practice suits a product that has to scale on premium volume and event traffic.

The trade-off is weight and domain emphasis. Simform leads with engineering breadth rather than deep insurance product craft, and its 1,000-person scale means depth varies by who is assigned. It is stronger on platform and data engineering than on the regulated core, so confirm insurance and compliance experience on the assigned team, and pair it with core-domain guidance where the build touches policy administration or rating.

Usage-based insurance is where Simform's profile fits best. A telematics or IoT product ingests a constant stream of driving, device, or property data, and pricing depends on turning that stream into clean signals at scale. That is a data-engineering problem before it is an insurance problem, and Simform has the pipeline and cloud muscle for it. The insurance logic, the rating rules and the compliance layer, still needs an owner, so keep that expertise close on your side or in a partner firm. Used that way, Simform carries the heavy data plumbing while the domain judgment stays where it belongs.

Notable work -- Simform has shipped data, platform, and cloud work for clients across many sectors, with strengths in data pipelines, backend services, and cloud architecture that carry into insurtech. Its portfolio is anchored by scaled platform builds. Specific insurance clients often carry partial attribution.

Pricing signal -- Simform works on a time-and-materials model. Rates are not publicly listed but are competitive for a firm of its size, with platform builds typically starting around $100,000 and rising with data and integration scope. Budget for a discovery phase and for data infrastructure costs.

What to watch -- Simform's strength is data and platform engineering at scale. For a small, single-feature build or a build that lives mostly inside the regulated core, the fit is weaker. It works best when the insurtech product is a large, data-intensive platform.

• Best for: Insurtechs building a large, data-intensive platform or usage-based product

• Specialization: Data engineering, cloud architecture, platform scale, backend services

• Pricing: Not publicly listed; project minimums typically $100K+

• Clutch: Verify on Clutch before engaging

6. Intellias

Intellias is a European software engineering company founded in 2002, with delivery centers across Europe and a growing insurance and fintech practice. Its strength for insurtech is senior European engineering with nearshore proximity for UK and EU buyers: policy and claims systems, integration, and platform work delivered by stable, long-tenured teams. For a business that wants engineering depth closer to its own time zone and regulatory context, Intellias is a natural shortlist.

Among insurtech developers, Intellias is the one to shortlist when the buyer sits in Europe or wants a nearshore partner with insurance experience and strong engineering discipline. It can carry a substantial insurtech build, from customer-facing product to core integration, with the maturity that comes from two decades of delivery. Its familiarity with European regulation is a practical advantage for products that have to satisfy region-specific rules from the start.

The trade-off is cost relative to offshore firms and a domain emphasis that varies by team. Intellias is a broad engineering firm with insurance capability rather than a pure insurance specialist, so for the deepest core or rating-engine work you may still want a dedicated core partner alongside it. Confirm the assigned team's insurance and compliance depth during scoping.

For a UK or EU buyer, the proximity is a practical edge beyond time zones. European regulation shapes data residency, consent, and disclosure in ways a distant team can miss, and Intellias works inside that context daily. Shared working hours also speed the tight collaboration that integration and compliance decisions need, since those calls rarely resolve well over a twelve-hour lag. For a business that wants senior engineers who understand its market and can sit in the same meetings at the same time, Intellias offers a balance that pure offshore firms cannot.

Notable work -- Intellias has delivered insurance, mobility, and fintech projects across Europe and beyond, with public case studies spanning platform, integration, and data work. Specific insurance client terms vary; the record is anchored by senior European engineering and long tenure.

Pricing signal -- Intellias does not publish fixed rates. For a senior European engineering firm of its profile, blended rates typically fall in the $50 to $90 per hour range depending on role and location, with insurtech programs scoped to the build.

What to watch -- Intellias is a broad engineering firm with insurance capability. For the deepest regulated core or a pure insurance-domain program, confirm the domain depth on your team or pair it with a specialist. It is strongest as a senior nearshore engineering partner.

• Best for: UK and EU insurtechs wanting a senior nearshore engineering partner with insurance experience

• Specialization: Insurance platforms, integration, data and cloud engineering, product delivery

• Pricing: Not publicly listed; blended $50-$90/hr typical

• Clutch: Verify on Clutch before engaging

7. Mindbowser

Mindbowser is a product development company with teams in the US and India, founded to help startups and mid-market businesses build software products, including in insurance and health. Its strength for insurtech is accessible product delivery: MVPs, customer-facing apps, and integrations built at a mid-market rate with a US-facing account layer over India-based engineering. For a company building its first insurtech product without an enterprise budget, that balance is the draw.

Among insurtech developers, Mindbowser is the one to shortlist when the goal is a focused insurtech MVP or an integration project and the buyer wants a responsive mid-market partner rather than a large firm. It has delivered insurance and health products with third-party integrations, so it understands the practical work of connecting a new app to existing systems and data feeds. Its size makes it easier to reach the people building your product than a 1,000-person firm.

The trade-off is depth for the largest and most regulated builds. Mindbowser is calibrated for MVPs and mid-scale products, not for rebuilding a core policy administration platform or running a heavy compliance program. For a build that lives deep in the regulated core, a core specialist is the closer match, and its insurance and compliance depth should be verified during scoping.

Mindbowser fits the founder who needs to get a first insurtech product in front of customers and learn from it. At that stage the priority is a working quoting flow, a clean claims intake, and a few integrations that prove the model, not a full core rebuild. Mindbowser can ship that faster and cheaper than an enterprise firm, and its US-facing account layer keeps communication manageable. The risk is outgrowing it: once the product carries real premium volume and heavier compliance, you may need to step up to a firm with deeper regulated experience. Plan that transition rather than assuming one partner covers every stage.

Notable work -- Mindbowser has shipped product MVPs and integrations across insurance, health, and other sectors, with public case studies and engineering guides. Its documented strengths are product delivery, third-party integration, and mid-market responsiveness. Named large-carrier work is limited in parts of its public portfolio.

Pricing signal -- Mindbowser operates with US and India teams, with blended rates typically in the $40 to $90 per hour range depending on role. An insurtech MVP or integration project starts in the mid five figures depending on scope and integration count.

What to watch -- Mindbowser is calibrated for MVPs and mid-scale insurtech products. For the deepest core or a heavy compliance program, its strength does not cover the whole build. Match it to focused product and integration work.

• Best for: Startups and mid-market insurtechs building an MVP or integration project

• Specialization: Product MVPs, customer-facing apps, third-party integration, mid-market delivery

• Pricing: Not publicly listed; blended $40-$90/hr typical

• Clutch: Verify on Clutch before engaging

8. Toptal

Toptal is a talent marketplace that vets senior freelance engineers, including specialists with insurance and fintech experience, through a multi-step technical screen. For insurtech, its network includes engineers who have worked on policy, claims, integration, and data systems. For a team that needs a specific capability and already has direction, Toptal supplies that expertise without a full agency engagement.

The distinction matters when you shop insurtech developers. Toptal does not deliver a project. It provides an engineer or a small pod. The buyer owns project management, compliance, integration, and delivery accountability. For a team with a strong technical lead who wants a senior engineer to own a core integration, a claims service, or a data pipeline, the model works well. For a team without that internal capacity, it leaves the compliance and integration gaps for you to fill.

Senior engineers through Toptal typically bill at $100 to $200 per hour, higher than offshore firms but comparable to US-based boutique specialists. For a focused three-month engagement, expect a five-figure cost for one senior engineer. Because insurance carries real regulatory risk, ask directly for insurance and integration experience when you screen, and keep a named owner for compliance on your side.

Notable work -- Toptal's portfolio is structured around individual client engagements rather than firm-level output. It has placed engineers at startups, scale-ups, and enterprises across many sectors, including fintech and insurance. References and work samples come from the engineers during matching, so ask for insurance, policy, or claims projects when you screen.

Pricing signal -- Senior engineers on Toptal bill at $100 to $200 per hour. No firm-level project minimum applies, but most meaningful insurtech engagements run three to six months. Budget for a short paid trial to confirm fit.

What to watch -- Toptal is staff augmentation, not managed delivery. The buyer supplies direction, compliance ownership, and integration oversight, and carries delivery risk. Without an internal lead to manage the engagement, the lack of structure will slow you down.

• Best for: Technical teams that need a senior insurance engineer to own a build and can manage them

• Specialization: Senior freelance engineering, integration, data, applied insurance software

• Pricing: $100-$200/hr

• Clutch: Not on Clutch; evaluate via Toptal's screen and direct references

Side-by-side comparison

The question that separates the core from the product

The most common way insurtech teams get the build wrong is buying core depth when they needed a product, or a product studio when they needed the regulated core. A policy administration rebuild dressed up as a startup MVP burns budget on the wrong layer. A slick claims app with no plan for core integration or compliance looks finished and cannot go live. The two are different problems, and the label "insurtech company" flattens them.

Category A is the core and domain specialists. ScienceSoft brings regulated policy, claims, and underwriting depth, DataArt carries deep insurance domain and integration history, and Simform brings data and platform engineering at scale. They are the right choice when the hard part is the regulated core, the data infrastructure, or the integration into a carrier's stack, where domain and engineering depth are the risk.

Category B is the product and customer-facing builders. Appinventiv supplies large offshore capacity, Intellias brings senior nearshore engineering, and Mindbowser delivers focused MVPs and integrations. RaftLabs sits near the front of this list because it owns the customer-facing and operational product end to end -- the quoting flow, the claims portal, the servicing workflow, and the integrations behind them -- as one accountable team, with the compliance-aware design and clean core integration that make an insurtech product safe to ship, and the honesty to route the deepest core work to a specialist when that is the right call. Toptal sits apart, supplying senior individual engineers to teams that already own direction and compliance.

There is a third question hiding under the first two: how many vendors do you want to manage. A single accountable team removes the seams where blame gets passed and timelines slip, but it asks that team to cover more ground. A specialist plus a product partner covers more depth, but you own the coordination and the handoffs between them. Neither answer is wrong. The mistake is drifting into a multi-vendor setup without deciding who owns the integration points, because that is exactly where an insurtech build tends to stall. Decide the shape of the team before you decide the names on it.

Getting the layer and the engagement model right matters more than getting the brand right.

"Predicting rain doesn't count. Building arks does."

Warren Buffett, chairman, Berkshire Hathaway

Buffett runs one of the largest insurance operations on earth, so his line lands hard on this industry: admiring the forecast is worthless, and only the thing you build survives the flood. The numbers say the flood is worth building for. The global insurtech market sits at about $23.5 billion in 2026 and is on a path toward roughly $132 billion by 2034, a compound annual growth rate near 24 percent, according to Fortune Business Insights, as carriers and startups digitize policy, claims, and underwriting. The value in that curve does not go to the cleanest quote screen. It goes to insurtech built for the regulated realities: claims that pay correctly, compliance that holds up by region, and core systems that actually connect. Predicting the wave is easy. Building the ark, the product that works inside a real carrier's stack, is the hard part that pays.

Five questions to ask before signing

Can you show me an insurtech or core-system integration you shipped to production? A firm strong on slides may have never connected a product to a policy administration or claims core. Ask for a live insurance system with real policies, claims, or premiums flowing through it, and walk through how it reached production. A demo and a system moving real money are not the same thing.

How will you integrate with policy administration and core systems, and handle ACORD data? This is where insurtech is usually won or lost. Ask how the vendor connects to platforms like Guidewire or Duck Creek, how it handles ACORD data standards, and how it reconciles data once real premiums and policies move. A vendor that talks only about the app and skips the core has skipped the hard part.

How do you design the claims workflow so it pays correctly and handles exceptions? Claims are where policyholders judge an insurer and where errors get expensive. Ask how the vendor models the claims workflow, handles exceptions and fraud checks, and connects to the systems that actually pay. A clean claims screen that cannot route a real claim to the core is a liability, not a product.

How do you handle compliance that varies by state and region? Insurance rules change what you can build, store, and show, and they differ by jurisdiction. Ask how the vendor designs for regional regulation, data residency, disclosure, and audit trails, and where it has shipped in your market. A vendor that treats compliance as a late add-on will build software that cannot go live.

How do you secure policyholder data and meet standards like SOC 2? Insurtech holds sensitive financial and personal data, and a breach ends trust. Ask how the vendor secures data at rest and in transit, how it approaches SOC 2 and access control, and how it handles telematics and IoT data for usage-based products. A firm without a clear security answer has not run insurance data in production.

The verdict

ScienceSoft for insurers and insurtechs building close to the regulated core with compliance rigor. RaftLabs for insurtechs that want a customer-facing and operational product built, integrated, and owned by one team, shipped into real use. DataArt for deep insurance domain and core-integration depth. Appinventiv for large customer-facing app builds at offshore rates. Simform for a large, data-intensive platform or usage-based product. Intellias for a senior nearshore engineering partner in the UK and EU. Mindbowser for a focused insurtech MVP or integration project. Toptal for technical teams that need a senior insurance engineer to own one build and can manage them.

The decision simplifies when you are honest about three things: which layer you are building, how much of the value is in deep regulated engineering versus shipping a usable product into operations, and whether you carry the compliance and core-system knowledge in-house or need a partner that owns it.

Ask every finalist for one insurance system it shipped to production, and make it walk you through the integration and the compliance work, not the design. The firms that stumble on that question are the ones to cut, whatever their reputation. The firm that answers it plainly, and tells you honestly where its strength ends and a specialist should step in, is usually the one worth signing.

RaftLabs designs and builds insurance software -- quoting, claims portals, underwriting workflows, and core integrations -- in one team from integration to production. No handoff gap, and honest about where a core specialist fits better. 4.9/5 on Clutch across 50+ verified reviews. Talk to a founder about your insurtech product.