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style="background-image:url("https://cdn.prod.website-files.com/5b6b50e79e9b6f7d0d3959a2/6526d7d817f5f26dd7f09707_insurtech%20bkg.png")" class="hero-industries"><div class="padding-global no-shrink-grow industry-hero"><div class="w-layout-grid grid-2column position-relative gap-100"><div class="industries-hero-content-wrapper"><h6 class="industry-h6">Insurtech Solutions</h6><h1 class="heading-style-h2 text-weight-bold">Custom software for the insurance industry</h1><div class="flex-horizontal"><a data-hubspot-cta-id="" href="/contact-us" class="button w-button">Tell us about your project</a></div></div><img alt="" loading="lazy" id="w-node-_2f947147-5772-b6cb-e573-5715c349f5da-ac880586" src="https://cdn.prod.website-files.com/5b6b50e79e9b6f7d0d3959a2/652eaf9bc558ca49314329e7_insurtech_hero.svg" class="industries-hero-image"/></div></div><div style="background-color:#583ef8" class="industries-hero-color-stripe"></div></div><div id="industry" class="section top-and-bottom-padding-120"><div class="padding-global"><h3>Even as one of the most complex industries in history, insurance has been slow to adopt new technologies. Great opportunity awaits the innovators.</h3><div class="divider top-and-bottom-margin-80"></div><div class="w-layout-grid grid---3-column gap-80"><h4 id="w-node-eb93f2d4-a945-fc8f-867d-56d4493158a3-ac880586">Why invest in insurance software development?</h4><div id="w-node-eb93f2d4-a945-fc8f-867d-56d4493158a5-ac880586" class="flex-vertical"><div class="w-richtext"><p>Insurtech is one of the fastest growing markets in the world today. Rapidly changing consumer expectations require firms to invest in technology if they're going to keep up.</p></div><div class="spacer-60"></div><div class="w-layout-grid grid---3-column industry-stat"><div class="industries-rich-text w-richtext"><h2>$159B</h2><h6>Global insurtech market value projection by 2030 (compared to $9.4 billion in 2020)</h6></div><div class="industries-rich-text w-richtext"><h2>1,500</h2><h6>Insurtech companies exist around the world</h6></div><div class="industries-rich-text w-richtext"><h2>$4.9T</h2><h6>Global insurance premiums in 2017</h6></div></div></div></div><div class="divider top-and-bottom-margin-80"></div></div><div class="padding-global"><div class="w-layout-grid grid---3-column gap-80 bottom-margin-80"><h3 id="w-node-eb93f2d4-a945-fc8f-867d-56d4493158c5-ac880586">We partner with forward-thinking businesses at every stage of growth</h3></div><div class="w-layout-grid grid---3-column gap-80"><h4 id="w-node-eb93f2d4-a945-fc8f-867d-56d4493158c8-ac880586">Funded startups ready to move</h4><div id="w-node-eb93f2d4-a945-fc8f-867d-56d4493158ca-ac880586" class="flex-vertical"><div class="w-richtext"><p>If you've got a promising concept and the financial resources to make it happen, we're equipped to help at every stage of the product development process. From ideation and proof of concept to design and development, we can help guide you through to a successful product launch.</p></div><div class="divider top-and-bottom-margin-80"></div></div><h4 id="w-node-eb93f2d4-a945-fc8f-867d-56d4493158ce-ac880586">Established businesses ready to scale</h4><div id="w-node-eb93f2d4-a945-fc8f-867d-56d4493158d0-ac880586" class="flex-vertical"><div class="w-richtext"><p>Do you work for an established insurance company in serious need of a <a href="https://www.youtube.com/watch?v=Fi3vSjkj5S0">digital transformation</a>? You’re in exactly the right place. Our product experts can help you determine the exact functionality that will be the most beneficial for your business.</p></div><div class="divider top-and-bottom-margin-80"></div></div><h4 id="w-node-eb93f2d4-a945-fc8f-867d-56d4493158d4-ac880586">Insurance enterprises needing to expand their market share</h4><div id="w-node-fec31aba-5a55-ef59-fe7a-af6caa659156-ac880586" class="w-richtext"><p>Our product teams are experts when it comes to integrating with in-house teams. We’ve worked with Fortune 500 companies to develop both internal tools and customer-facing platforms. As experts in agile development practices, we have the resources required to meet your most ambitious deadlines.</p></div></div></div></div><section style="background-image:url("https://cdn.prod.website-files.com/5b6b50e79e9b6f7d0d3959a2/6526d7d817f5f26dd7f09707_insurtech%20bkg.png")" class="section industries-feature"><img alt="" loading="lazy" src="https://cdn.prod.website-files.com/5b6b50e79e9b6f7d0d3959a2/65296bce104d5542d5818e27_insurtech_feature.svg" class="industries-feature-image"/></section><div class="section top-margin-80 industry-desktop"><div class="padding-global bottom-margin-64"><div class="w-layout-grid grid---3-column gap-80 bottom-margin-80"><h4 id="w-node-eb93f2d4-a945-fc8f-867d-56d4493158e5-ac880586">What type of insurance companies does Crema work with?</h4><div id="w-node-_0e43c9af-28b7-c487-36d4-d5ce7573899f-ac880586" class="w-richtext"><p>We’ve helped companies specializing in different areas of the industry modernize their systems and create new technologies. By combining our design and development expertise with our partners' industry knowledge, we’ve brought wildly innovative concepts to market on time and on budget.<br/>‍</p><ul role="list"><li>Property and casualty insurance</li><li>Life insurance</li><li>Health insurance</li><li>On-demand insurance</li><li>Umbrella insurance</li><li>Travel insurance</li><li>Microinsurance</li><li>Pet insurance</li></ul></div></div><div class="w-layout-grid grid---3-column gap-80"><h4 id="w-node-_0a0290da-388e-ab67-5ced-3b5a4352f0ed-ac880586">Solutions for insurance tech firms</h4><div id="w-node-_0a0290da-388e-ab67-5ced-3b5a4352f0ef-ac880586" class="w-richtext"><p>Our product teams are made up of designers, developers, strategists, and project managers who are passionate about building the right application for the right situation.<br/>‍</p><ul role="list"><li>Customer relationship management (CRM)</li><li>Electronic data interchange (EDI)</li><li>Enterprise resource planning (ERP)</li><li>Quote and risk management</li><li>Underwriting</li><li>Document management</li><li>Regulatory compliance</li><li>Wearable technology</li><li>Workflow automation</li><li>Policy administration</li><li>Policy management</li><li>Data lakes</li><li>Data warehousing</li><li>Machine learning</li><li>Online portals</li><li>UX/UI design</li><li>Integrations</li></ul></div></div></div></div><div class="section is-color-black top-and-bottom-padding-120"><div class="padding-global"><div class="w-layout-grid grid---3-column gap-80"><div id="w-node-eb93f2d4-a945-fc8f-867d-56d4493158db-ac880586" class="logo-container industry"><img loading="lazy" id="w-node-eb93f2d4-a945-fc8f-867d-56d4493158dc-ac880586" src="https://cdn.prod.website-files.com/5b6b50e79e9b6f7d0d3959a2/6526d83ecabaf22330984b5e_624f04c3a96ff371945709c9_Lockton.svg" alt="" class="logo industry-testimonial"/></div><div id="w-node-bd0def9d-ac51-7095-62bf-502ee65b7f0b-ac880586" class="text-color-white w-richtext"><p>“Strong, open communication, creativity, and genuineness are their most impressive traits. The Crema team is full of real people trying to get real stuff done. They’re sincere, and I’m very impressed with the individuals and overall company.”</p></div></div></div></div><div class="section is-color-cloud"><div class="padding-global top-and-bottom-padding-80 w-container"><h4 class="align-center bottom-margin-40">Tech Stack</h4><div class="w-layout-grid grid-6-column justify-top"><div class="flex-vertical align-center"><div class="image---tech-stack"><img src="https://cdn.prod.website-files.com/5b6b50e79e9b6f5948395973/6243370470f72596a2bafc02_react-2.svg" loading="lazy" alt="" class="image-tech-stack-interior"/></div><p class="text-size-tiny">React & React Native</p></div><div class="flex-vertical align-center"><div class="image---tech-stack"><img src="https://cdn.prod.website-files.com/5b6b50e79e9b6f5948395973/62433704a087efce4839d814_typescript%201.svg" loading="lazy" alt="" class="image-tech-stack-interior"/></div><p class="text-size-tiny">TypeScript</p></div><div class="flex-vertical align-center"><div class="image---tech-stack"><img src="https://cdn.prod.website-files.com/5b6b50e79e9b6f5948395973/62435f62592ced46744c85ef_nodejs-new-black.webp" loading="lazy" sizes="(max-width: 479px) 33vw, 78.34375px" srcset="https://cdn.prod.website-files.com/5b6b50e79e9b6f5948395973/62435f62592ced46744c85ef_nodejs-new-black-p-500.webp 500w, https://cdn.prod.website-files.com/5b6b50e79e9b6f5948395973/62435f62592ced46744c85ef_nodejs-new-black.webp 1843w" alt="" class="image-tech-stack-interior"/></div><p class="text-size-tiny">Node</p></div><div class="flex-vertical align-center"><div class="image---tech-stack"><img src="https://cdn.prod.website-files.com/5b6b50e79e9b6f5948395973/624337038dc30d0900b28d8f_express-109%201.svg" loading="lazy" alt="" class="image-tech-stack-interior small"/></div><p class="text-size-tiny">Express</p></div><div class="flex-vertical align-center"><div class="image---tech-stack"><img src="https://cdn.prod.website-files.com/5b6b50e79e9b6f5948395973/624337030c8381199c252217_next-js%201.svg" loading="lazy" alt="" class="image-tech-stack-interior"/></div><p class="text-size-tiny">Next.js</p></div><div class="flex-vertical align-center"><div class="image---tech-stack"><img src="https://cdn.prod.website-files.com/5b6b50e79e9b6f5948395973/6243370367cc2606f4cda61f_graphql%201.svg" loading="lazy" alt="" class="image---tech-stack"/></div><p class="text-size-tiny">GraphQL</p></div><div class="flex-vertical align-center"><div class="image---tech-stack"><img src="https://cdn.prod.website-files.com/5b6b50e79e9b6f5948395973/6243370467cc266c4acda623_postgresql%201.svg" loading="lazy" alt="" class="image-tech-stack-interior"/></div><p class="text-size-tiny">PostgreSQL</p></div><div class="flex-vertical align-center"><div class="image---tech-stack"><img src="https://cdn.prod.website-files.com/5b6b50e79e9b6f5948395973/6243370384a9c9c8a7a2bdcd_aws-2%201.svg" loading="lazy" alt="" class="image-tech-stack-interior"/></div><p class="text-size-tiny">AWS</p></div><div class="flex-vertical align-center"><div class="image---tech-stack"><img src="https://cdn.prod.website-files.com/5b6b50e79e9b6f5948395973/624337032851031a50d4d950_firebase-2%201.svg" loading="lazy" alt="" class="image-tech-stack-interior"/></div><p class="text-size-tiny">Firebase</p></div><div class="flex-vertical align-center"><div class="image---tech-stack"><img src="https://cdn.prod.website-files.com/5b6b50e79e9b6f5948395973/624337038b083a16cf0d7889_azure-1%201.svg" loading="lazy" alt="" class="image-tech-stack-interior"/></div><p class="text-size-tiny">Azure</p></div><div class="flex-vertical align-center"><div class="image---tech-stack"><img src="https://cdn.prod.website-files.com/5b6b50e79e9b6f5948395973/62433703a3a9d2ebce965680_jest-2%201.svg" loading="lazy" alt="" class="image-tech-stack-interior large"/></div><p class="text-size-tiny">Jest</p></div><div class="flex-vertical align-center"><div class="image---tech-stack"><img src="https://cdn.prod.website-files.com/5b6b50e79e9b6f5948395973/62434657d331b17f13c83313_cypress.webp" loading="lazy" alt="" class="image-tech-stack-interior"/></div><p class="text-size-tiny">Cypress</p></div></div></div></div><div class="section top-margin-80 bottom-margin-120 position-relative"><div class="padding-global"><div class="w-layout-grid grid---3-column"><h3 id="w-node-c2298c60-9843-11ab-dc24-4c0a933fe52e-ac880586">Don’t go it alone, hire a team of seasoned product experts</h3><div id="w-node-_6fb3b1a2-bd26-951b-f6b6-b4a096cca5d1-ac880586" class="industries-rich-text bottom-margin-24 w-dyn-bind-empty w-richtext"></div><div id="w-node-_3da75dcf-857d-acf3-9e46-c8088e26eea0-ac880586" class="accordion-wrapper"><div class="accordion-item industries"><div class="accordion-item-trigger"><h5>Speed, velocity, and agility</h5><div class="accordion-icon mobile"><div class="cross-line top"></div><div class="cross-line"></div></div></div><div class="accordion-item-content"><div class="industries-rich-text accordion-content w-richtext"><p>When it comes to software development, time is money. We employ agile methodologies to enact real change while staying efficient and adaptable. You’ll see meaningful updates and delivery in weeks, not months.</p></div></div></div><div class="accordion-item industries"><div class="accordion-item-trigger"><h5>User experience</h5><div class="accordion-icon mobile"><div class="cross-line top"></div><div class="cross-line"></div></div></div><div class="accordion-item-content"><div class="industries-rich-text accordion-content w-richtext"><p>Great software doesn't just get the job done, it should be beautiful and intuitive. Our UX/UI expertise ensures that consumers will love using your software. That means increased adoption <em>and</em> increased revenue.</p></div></div></div><div class="accordion-item industries"><div class="accordion-item-trigger"><h5>Security and compliance</h5><div class="accordion-icon mobile"><div class="cross-line top"></div><div class="cross-line"></div></div></div><div class="accordion-item-content"><div class="industries-rich-text accordion-content w-richtext"><p>Partnering with world-class insurance companies comes with serious cybersecurity expectations. As a result, we've developed a strong security culture to meet the requirements necessary to comply with high client standards.</p></div></div></div><div class="accordion-item industries"><div class="accordion-item-trigger"><h5>Business sense</h5><div class="accordion-icon mobile"><div class="cross-line top"></div><div class="cross-line"></div></div></div><div class="accordion-item-content"><div class="industries-rich-text accordion-content w-richtext"><p>The right investment at the right time can mean the difference between owning a vertical and missing a huge opportunity. Crema’s strategists bring a wealth of experience and an entrepreneurial spirit that will make the most out of your investment.</p></div></div></div></div></div></div><img alt="" loading="lazy" src="https://cdn.prod.website-files.com/5b6b50e79e9b6f7d0d3959a2/65296bafe57147fe10b29b8b_insurtech_solutions.svg" class="industries-experts-image"/></div><section class="section top-and-bottom-padding-100"><div class="padding-global"><h6 class="bottom-margin-40">Insights</h6><div class="industry-insights-cms-list-wrapper w-dyn-list"><div class="industry-insight-empty w-dyn-empty"><div>No items found.</div></div></div><div class="industry-insights-cms-list-wrapper w-dyn-list"><div class="industry-insight-empty w-dyn-empty"><div>No items found.</div></div></div><div class="industry-insights-cms-list-wrapper w-dyn-list"><div fs-cmscombine-element="list" role="list" class="industry-insight-list w-dyn-items"><div role="listitem" class="w-dyn-item"><a href="/case-study/lockton-companies" class="industry-insight-linkblock w-inline-block"><img loading="lazy" src="https://cdn.prod.website-files.com/5b6b50e79e9b6f7d0d3959a2/5f44832f87f8fc73e33213e1_15%22%20Macbook%20Pro%20dark%20Copy%203%20-new.png" alt="" sizes="100vw" srcset="https://cdn.prod.website-files.com/5b6b50e79e9b6f7d0d3959a2/5f44832f87f8fc73e33213e1_15%22%20Macbook%20Pro%20dark%20Copy%203%20-new-p-500.png 500w, https://cdn.prod.website-files.com/5b6b50e79e9b6f7d0d3959a2/5f44832f87f8fc73e33213e1_15%22%20Macbook%20Pro%20dark%20Copy%203%20-new-p-800.png 800w, https://cdn.prod.website-files.com/5b6b50e79e9b6f7d0d3959a2/5f44832f87f8fc73e33213e1_15%22%20Macbook%20Pro%20dark%20Copy%203%20-new-p-1080.png 1080w, https://cdn.prod.website-files.com/5b6b50e79e9b6f7d0d3959a2/5f44832f87f8fc73e33213e1_15%22%20Macbook%20Pro%20dark%20Copy%203%20-new-p-1600.png 1600w, https://cdn.prod.website-files.com/5b6b50e79e9b6f7d0d3959a2/5f44832f87f8fc73e33213e1_15%22%20Macbook%20Pro%20dark%20Copy%203%20-new.png 1974w" class="thumbnail bottom-margin-16 industry-insight-thumbnail"/><div class="chip is-color-white"><div class="paragraph-tiny bold-caps">Explore</div></div><h5>Lockton Companies</h5></a></div></div></div></div></section><div class="hp23-section top-and-bottom-padding-80 is-color-white w-condition-invisible"><div class="padding-global bottom-margin-80"><div id="w-node-_8bc54cc3-85d3-3294-c43d-1a44bb666af1-ac880586" class="w-layout-layout quick-stack-24p no-padding wf-layout-layout"><div id="w-node-_8bc54cc3-85d3-3294-c43d-1a44bb666af2-ac880586" class="w-layout-cell"><h4>Relevant Case Studies</h4></div><div id="w-node-_8bc54cc3-85d3-3294-c43d-1a44bb666af5-ac880586" data-w-id="8bc54cc3-85d3-3294-c43d-1a44bb666af5" class="w-layout-cell cell-button-container"><a data-hubspot-cta-id="" href="/case-study" class="button w-button">View all</a></div><div id="w-node-_8bc54cc3-85d3-3294-c43d-1a44bb666af8-ac880586" class="w-layout-cell hide"><div class="form-block-3 w-form"><form id="email-form" name="email-form" data-name="Email Form" method="get" class="form-3" data-wf-page-id="658076615f6083efac880586" data-wf-element-id="8bc54cc3-85d3-3294-c43d-1a44bb666afa"><div><select id="field-2" name="field-2" data-name="Field 2" class="w-select"><option value="">Select one...</option><option value="First">First choice</option><option value="Second">Second choice</option><option value="Third">Third choice</option></select></div></form><div class="w-form-done"><div>Thank you! Your submission has been received!</div></div><div class="w-form-fail"><div>Oops! Something went wrong while submitting the form.</div></div></div></div></div><div class="content"><div class="w-layout-grid grid_2column gap-48"><a data-w-id="8bc54cc3-85d3-3294-c43d-1a44bb666b0e" href="/case-studies/beazley-security" class="link-to-page new w-inline-block"><div class="hp23-case-study-image-container"><img src="https://cdn.prod.website-files.com/5b6b50e79e9b6f5948395973/66fb31470a24e0a7004a53ce_beazley.png" loading="lazy" style="-webkit-transform:translate3d(0, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);-moz-transform:translate3d(0, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);-ms-transform:translate3d(0, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);transform:translate3d(0, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);opacity:1" sizes="100vw" alt="" srcset="https://cdn.prod.website-files.com/5b6b50e79e9b6f5948395973/66fb31470a24e0a7004a53ce_beazley-p-500.png 500w, https://cdn.prod.website-files.com/5b6b50e79e9b6f5948395973/66fb31470a24e0a7004a53ce_beazley-p-800.png 800w, https://cdn.prod.website-files.com/5b6b50e79e9b6f5948395973/66fb31470a24e0a7004a53ce_beazley-p-1080.png 1080w, https://cdn.prod.website-files.com/5b6b50e79e9b6f5948395973/66fb31470a24e0a7004a53ce_beazley-p-1600.png 1600w, https://cdn.prod.website-files.com/5b6b50e79e9b6f5948395973/66fb31470a24e0a7004a53ce_beazley-p-2000.png 2000w, https://cdn.prod.website-files.com/5b6b50e79e9b6f5948395973/66fb31470a24e0a7004a53ce_beazley-p-2600.png 2600w, https://cdn.prod.website-files.com/5b6b50e79e9b6f5948395973/66fb31470a24e0a7004a53ce_beazley-p-3200.png 3200w, https://cdn.prod.website-files.com/5b6b50e79e9b6f5948395973/66fb31470a24e0a7004a53ce_beazley.png 4880w" class="hp23-case-study-image"/></div><div class="flex-horizontal"><div class="flex-vertical justify-center right-margin-40 width-100"><h5>Beazley Security</h5><p>Creating a Unified Portal Experience for a Scaling Cybersecurity Provider</p></div></div></a><a data-w-id="8bc54cc3-85d3-3294-c43d-1a44bb666b05" href="https://www.crema.us/case-study/kudelski-design-sprint" class="link-to-page new w-inline-block"><div class="hp23-case-study-image-container"><img src="https://cdn.prod.website-files.com/5b6b50e79e9b6f5948395973/66fb361e3b5e90f635c60467_kudelski%20design%20sprint.png" loading="lazy" style="-webkit-transform:translate3d(0, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);-moz-transform:translate3d(0, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);-ms-transform:translate3d(0, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);transform:translate3d(0, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);opacity:1" sizes="100vw" alt="" srcset="https://cdn.prod.website-files.com/5b6b50e79e9b6f5948395973/66fb361e3b5e90f635c60467_kudelski%20design%20sprint-p-500.png 500w, https://cdn.prod.website-files.com/5b6b50e79e9b6f5948395973/66fb361e3b5e90f635c60467_kudelski%20design%20sprint-p-800.png 800w, https://cdn.prod.website-files.com/5b6b50e79e9b6f5948395973/66fb361e3b5e90f635c60467_kudelski%20design%20sprint-p-1080.png 1080w, https://cdn.prod.website-files.com/5b6b50e79e9b6f5948395973/66fb361e3b5e90f635c60467_kudelski%20design%20sprint-p-1600.png 1600w, https://cdn.prod.website-files.com/5b6b50e79e9b6f5948395973/66fb361e3b5e90f635c60467_kudelski%20design%20sprint-p-2000.png 2000w, https://cdn.prod.website-files.com/5b6b50e79e9b6f5948395973/66fb361e3b5e90f635c60467_kudelski%20design%20sprint-p-2600.png 2600w, https://cdn.prod.website-files.com/5b6b50e79e9b6f5948395973/66fb361e3b5e90f635c60467_kudelski%20design%20sprint-p-3200.png 3200w, https://cdn.prod.website-files.com/5b6b50e79e9b6f5948395973/66fb361e3b5e90f635c60467_kudelski%20design%20sprint.png 3500w" class="hp23-case-study-image"/></div><div class="flex-horizontal"><div class="flex-vertical justify-center"><h5>Kudelski Security</h5><p>Accelerating a New Security Platform Through a Design Sprint<br/></p></div></div></a></div></div></div></div><section class="section top-and-bottom-padding-100 is-color-black w-condition-invisible"><div class="padding-global"><h4 class="text-align-center text-color-white bottom-margin-40">A few of our clients</h4><div class="w-dyn-list"><script type="text/x-wf-template" id="wf-template-ef4db922-556c-48b3-e7ed-0da1aaee95d1">%3Cdiv%20id%3D%22w-node-ef4db922-556c-48b3-e7ed-0da1aaee95d2-ac880586%22%20role%3D%22listitem%22%20class%3D%22clientlogo_container%20w-dyn-item%20w-dyn-repeater-item%22%3E%3Cimg%20alt%3D%22%22%20loading%3D%22lazy%22%20src%3D%22%22%20class%3D%22clientlogo_responsive%20w-dyn-bind-empty%22%2F%3E%3C%2Fdiv%3E</script><div role="list" class="grid_responsive w-dyn-items w-dyn-hide"></div><div class="w-dyn-empty"><div>No items found.</div></div></div></div></section></div><div data-w-id="e68ab05e-c06d-a64d-aebe-e221555f4e33" 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