Aura P&C 360

Engineering the UAE's Next-Generation Commercial Insurance Marketplace

AI Risk Assessment, Intelligent Workflow Automation, Agentic AI Integration

INDUSTRY

InsureTech

TEAM

8 Members

PROJECT STATE

Ongoing

COUNTRY

UAE

About Project

Aura P&C 360 is an enterprise Property & Casualty insurance marketplace spanning five connected portals — Broker, Insurer, Market Admin, Reinsurer, and Super Admin — covering CAR, PI, and specialized commercial lines across the UAE. Appening partnered with Aura InsureTech to design and build the entire platform: a NestJS backend, a React multi-portal frontend, dynamic proposal form design, multi-insurer quote comparison, and executive analytics dashboards. The result is a single command center where brokers manage their book of business, underwriters control pricing and exposure, and admins configure new products without a developer deployment.

Commercial P&C distribution is mid-shift from legacy manual workflows to digital marketplaces, and the operational drag is everywhere: brokers cross-reference spreadsheets to track open quotes, referrals get lost in back-and-forth communication, and every new product line or rating rule requires hard-coded frontend changes. Aura needed an enterprise-grade, multi-tenant platform that could handle thousands of concurrent quotes and complex rating logic — and it needed to go from concept to production-ready beta fast enough to capture a market in transition.

Product Features

Appening help you reach business goals by applying Agile methodologies.

Marketplace Analytics & Reporting

A multi-tab analytics cockpit delivering deep insights into marketplace performance. Live KPI cards and trend visualizations track quote-to-bind conversion rates, lost business reasons, and channel performance, empowering administrators to make data-driven decisions on product profitability.

Broker Distributor Dashboard

A centralized command center providing brokers with an immediate, high-level view of their entire business. Real-time KPI cards track total quotes, bound policies, and premium values, while a searchable proposals grid allows agents to monitor active drafts and recent submissions without navigating complex menus.

Endorsements & Amendments

A streamlined workflow for managing mid-term policy changes. Brokers can track all historical and pending financial or extension endorsements against specific policies, ensuring an accurate audit trail and eliminating manual paperwork when coverage needs to be adjusted.

Dynamic Product Configuration

A centralized control panel where insurers manage their specific product offerings. Underwriters can configure pricing parameters, adjust deductibles, and define coverage limits for each line of business, directly linking front-end selections to the server-side rating engine.

Reinsurance Treaty Allocation

A high-level oversight module for tracking how ceded risk is allocated across reinsurance treaties. Summary cards monitor total retention versus cession limits, while the underlying policy grid clearly outlines program structures and treaty assignments for complex commercial placements.

Market Admin Product Studio

An end-to-end product lifecycle management suite for marketplace administrators. Admins can version, activate, archive, and assign insurance products to specific insurers or brokers — achieving total control over the marketplace catalogue without requiring any developer deployments or database migrations.

Hierarchical Risk Categorization

A robust taxonomy builder that ensures consistent risk classification across all marketplace products. Administrators can define nested master values mapped to specific risk levels, standardizing the underwriting rules and rating pipelines across dozens of different commercial insurance lines.

Distributor Relationship Management

A comprehensive onboarding and management hub for broker networks. Marketplace administrators can seamlessly provision new broker accounts, configure commission structures, track activation statuses, and manage contact relationships across the entire distribution network.

The cloud-native architecture handles thousands of concurrent quotes and complex rating logic daily without degradation, while a fully API-configured product catalogue lets admins version, activate, and assign insurance products with zero developer deployments or database migrations. The platform launched with immediate traction — pilot programs across major distribution networks and regional UAE brokers — and is built multi-tenant to expand into new markets frictionlessly.

Enterprise Scalability: The cloud-native architecture gracefully handles thousands of concurrent quotes and complex rating logic daily without degradation.
Enterprise Adoption: Immediate traction with pilot programs launched across major distribution networks and regional UAE brokers.