Insurance Mobile App Development | iOS & Android

Insurance Mobile App Development

A policyholder base where 40% of customers only interact with you at renewal is a retention problem. An adjuster team doing claims inspections on paper forms and transcribing them back at the office is an efficiency problem. Both have the same fix: a mobile app built around how policyholders and field teams actually work.
RaftLabs builds iOS and Android apps for insurers, brokers, and insurtech startups. Policyholder apps, agent and broker tools, claims inspection apps for field adjusters, and first notice of loss apps. Integrated with your policy admin system, claims management system, and payment processor from the start.

  • Policyholder apps with policy management, claims submission, renewals, and document vault on iOS and Android

  • Claims inspection apps with photo capture, damage assessment, and offline-first for field adjusters in low-connectivity areas

  • Agent and broker apps with quote comparison, client management, and commission tracking

  • FNOL apps that guide policyholders through first notice of loss with structured data capture

  • Integrated with policy admin systems, claims management systems, and payment processors

  • Fixed price, 10-14 week delivery for most insurance mobile app builds

Recent outcomes

Claims mobile app · US insurer

200 adjusters off paper forms

Built a claims inspection app with photo capture, structured damage assessment, and offline sync for field adjusters. Eliminated paper forms across a 200-adjuster field team.

Policyholder app · Insurtech startup

60% self-service rate

Built an iOS and Android policyholder app with policy management, FNOL submission, and document vault. 60% of customer service requests shifted to self-service in the first 90 days.

Broker app · Insurance distribution company

400+ brokers deployed

Built a broker-facing iOS app with multi-carrier quote comparison, client portfolio management, and commission tracking. Deployed to 400+ brokers in 12 weeks.

4.9
on Clutch
See our work

The problem

Sound familiar?

  • Forty percent of your policyholder base never logs in because the portal only works on desktop?

  • Field adjuster team doing claims inspections on paper forms and transcribing them at the office the next morning?

  • Insurtech startup with a fully digital product and 70% of your customer base on mobile but no mobile app?

Short answer

RaftLabs builds iOS and Android insurance mobile apps for insurers, brokers, and insurtech startups. App types include policyholder apps with claims and renewals, claims inspection apps for field adjusters, FNOL apps, and agent and broker tools. Integrated with policy admin systems and claims management systems. Fixed price, 10-14 week delivery.

Key takeaways

  • RaftLabs builds iOS and Android insurance apps for insurers, brokers, and insurtech startups on a fixed price, 10-14 week delivery model.
  • Policyholder apps include policy management, claims submission, renewals, premium payment, and document vault.
  • Claims inspection apps are offline-first so field adjusters can capture photos, complete damage assessment forms, and sync data when connectivity returns.
  • FNOL apps guide policyholders through structured incident capture and automatically create claim records in the connected claims management system.
  • Agent and broker apps support multi-carrier quote comparison, client portfolio management, and commission tracking.
  • Integrations include Guidewire, Duck Creek, Applied Epic, Majesco, and Sapiens policy admin and claims management systems.

Trusted by

Vodafone logo
Aldi logo
Nike logo
Microsoft logo
Heineken logo
Cisco logo
Calorgas logo
Energia Rewards logo
GE logo
Bank of America logo
T-Mobile logo
Valero logo
Techstars logo
East Ventures logo
TuneClub logo

According to McKinsey, AI-powered automation is projected to handle over half of all claim-related processes by 2030, reducing processing costs by up to 30%. For insurers and insurtechs building mobile-first products today, that shift starts with getting structured data into the claims system from a mobile device — not from a paper form or a call center transcript.

Insurance mobile apps, by the numbers

of service requests shifted to self-service on one policyholder app
60%
average delivery to App Store
10-14 wks
brokers deployed on one broker app in 12 weeks
400+
rated by clients on Clutch
4.9/5

Insurance mobile app types

What we build

  • 01

    Policyholder apps

    Policy management, claims submission and status tracking, renewal alerts, premium payment, and document vault. Integrated with your policy admin system for live policy data and your claims management system for real-time claims status. Push notifications for renewal dates, claims milestones, and payment confirmations.

  • 02

    Claims inspection apps for field adjusters

    Offline-first iOS and Android apps for field adjusters. Structured damage assessment forms by claim type, photo and video capture with GPS tagging, sketch tools for property diagrams, and offline sync to the claims management system when connectivity returns. Eliminates paper form transcription. Designed for use in the field, not at a desk.

  • 03

    FNOL apps

    First notice of loss apps that guide policyholders through structured incident capture. Coverage confirmation, incident details, photo upload, witness information, and repair shop selection. Integrated with the claims management system so the FNOL submission creates a claim record automatically. Reduces call center volume and captures better-quality claims data.

  • 04

    Agent and broker apps

    Quote comparison across multiple carriers, client portfolio management, renewal pipeline, and commission tracking. Policy bind workflow for brokers authorized to place business directly. Client communication tools with activity logging. Mobile-first design for brokers who manage their book of business away from the office.

  • 05

    Insurer and MGA admin apps

    Underwriting workflow tools, policy review and bind apps for underwriters, and claims triage tools for claims teams. Approval workflows with push notification triggers. Integrated with core systems via the same APIs as the customer-facing apps.

  • 06

    Telematics and usage-based insurance apps

    Apps that capture driving behavior data for usage-based insurance products: mileage, speed, braking, and time-of-day driving patterns via device sensors and OBD integrations. Score display and premium projection for policyholders. Privacy controls and opt-out management built in.

How we work

From workflow mapping to App Store

  1. Week 1
    01

    Workflow and integration mapping

    We map every user type, policyholder, field adjuster, broker, underwriter, through the workflows the app needs to support. Policy admin and claims management system integration points are assessed. You leave week one with a written scope, an integration assessment, and a fixed-price quote.

  2. Weeks 2-3
    02

    Compliance review and design

    Data security requirements (GDPR, HIPAA, PCI-DSS, state insurance data laws) are assessed and designed into the architecture. Every screen is wireframed against the actual workflow. Offline-first architecture is designed for field-facing apps before development begins.

  3. Weeks 4-12
    03

    Build, integrate, and QA

    Bi-weekly sprint delivery with TestFlight and Android beta builds from sprint one. Policy admin and claims management system integration tested against staging environments. Offline sync tested explicitly in disconnected scenarios. QA runs in parallel with development at each sprint.

  4. Weeks 12-14
    04

    App Store submission and launch

    App Store and Google Play submission with data privacy documentation and insurance-specific privacy disclosures. Field adjuster apps distributed via MDM if required. Full source code, integration documentation, and App Store credentials handed over at project close.

Why us

Why insurance teams choose RaftLabs

  • 01
    Built for insurance workflows, not generic mobile

    Insurance mobile apps fail when they are generic mobile apps adapted to insurance. Offline-first for field adjusters, structured FNOL capture, multi-carrier quote comparison for brokers, and policy admin system integration are all domain-specific requirements. We design for them from the start.

  • 02
    Integration assessed before development starts

    Policy admin and claims management system integration is assessed during week-one discovery. The integration method, authentication flow, and data scope are documented before development begins. No integration surprises at the point where the app needs to connect to production systems.

  • 03
    Offline-first as a first-class requirement

    Field adjuster apps are designed for offline operation from the architecture up. Full functionality, form completion, photo capture, and data entry, without connectivity. Sync happens automatically when connectivity returns. We test this explicitly in every sprint, not as a post-launch fix.

  • 04
    Fixed price, no surprises

    Scope and cost locked before development starts. Integration complexity, the most common insurance app cost driver, is contained because we assess it in full in week one. A scope change is a change request: specified, costed, and agreed before work begins.

  • 05
    8 weeks of post-launch support included

    Integration monitoring, OS compatibility updates, and performance tuning after launch, all included in the project price. On-call availability during the critical first 30 days, when core system integration issues are most likely to surface in production.

Ready to scope your insurance mobile app?

30 minutes. You leave with a workflow assessment, an integration scope, and a fixed price. No commitment required.

Book the call

Related insurance services

What clients say

What clients say about working with us

Three-year average engagement. Founders and operators describing the work in their own words. No marketing varnish.

Nuala C.
Nuala C.
Ireland flagIreland
Director, BrandFire

Incredibly simple and easy to use app. Exactly what we were looking for.

01 / 06

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Frequently asked questions

A focused policyholder app with policy management, claims submission, document vault, and renewal reminders typically runs $40,000 to $65,000. A claims inspection app with offline-first architecture, photo capture, and damage assessment forms for field adjusters runs $45,000 to $75,000, depending on the number of insurance lines and form complexity. A broker or agent app with quote comparison across multiple carriers, client portfolio management, and commission tracking typically runs $50,000 to $80,000. A full FNOL app with structured incident capture, coverage confirmation, and claims management system integration runs $35,000 to $60,000. The fixed total is agreed before development starts. Request a 30-minute call to get a number for your specific scope.

Most insurance mobile apps deliver in 10 to 14 weeks. A policyholder app with standard features, policy view, claims submission, and document storage, typically delivers in 10 to 12 weeks. A claims inspection app with offline-first architecture and field sync typically runs 12 to 14 weeks. A broker app with multi-carrier quote API integration runs 12 to 16 weeks depending on the number of carrier connections. Every project begins with a one-week discovery session that maps workflows, integration points, and compliance requirements before any code is written.

Field adjusters work in environments where connectivity is unreliable: rural properties, basements, damaged structures with no signal. Offline-first means the app works fully without internet access. The adjuster can open a claim, complete the inspection form, capture photos and video, and add assessment notes while offline. All of this is stored on the device. When connectivity returns, the data syncs to the claims management system automatically, with conflict resolution handling the edge case of two adjusters updating the same claim simultaneously. We test offline scenarios explicitly, not as an afterthought, because the failure mode in a claims context is a lost inspection that has to be redone in person.

We have experience integrating with Guidewire PolicyCenter and ClaimCenter, Duck Creek Policy and Claims, Applied Epic, Majesco, and Sapiens. The integration approach depends on the system: modern systems expose REST APIs, older systems use SOAP web services or batch file exchange. We assess the specific integration during week-one discovery. For policy admin systems, the key flows are policy data read (for the policyholder app to display current coverage), policy change requests, and renewal processing. For claims management systems, the key flows are FNOL submission, claims status updates, reserve changes, and payment triggers. We test against the vendor's sandbox or a staging environment before any production integration.

Yes, and it is often more efficient to build both in the same engagement. Policyholder apps and field adjuster tools share a common claims data model, policy API integration, and authentication infrastructure. Building them from the same team means the data flows are consistent, the API contract is agreed once, and there is no integration gap between the customer-facing and staff-facing apps. We have done this for insurers who needed a policyholder FNOL app and a corresponding adjuster inspection app to be launched together. The two apps are designed to work as a pair, so data entered in the FNOL app appears in the adjuster app without manual re-entry.

The key requirements depend on your lines of business and the data your app handles. For apps handling personal data of EU or UK residents, GDPR applies: data residency controls, consent management, and right to erasure. For health or life insurance apps in the US that handle protected health information, HIPAA applies: PHI must be encrypted at rest and in transit, access must be logged, and BAAs signed with infrastructure vendors. PCI-DSS applies for in-app premium payment: we route card data through Stripe or Braintree so raw card numbers never reach your servers. State insurance data security laws (New York DFS Cybersecurity Regulation, NAIC Model Law adopters) impose additional requirements for licensed insurers. We scope compliance requirements in week one and design them into the app architecture before development begins.

Work with us

Tell us what you need. We'll tell you what it would take.

We scope Insurance Mobile App Development in 30 minutes. You walk away with a clear cost, timeline, and approach. No commitment required.

  • Scope and cost agreed before work starts. No surprises. No obligation.
  • Working prototype within 3 weeks of kickoff.
  • Pay by milestone. You see progress before each invoice.
  • 60-day post-launch warranty. Bug fixes, UI tweaks, and deployment support. No retainer.
  • All conversations are NDA-protected.

Go deeper

Mobile app development cost guideInsurance software development guideClaims management software for insurers