Insurance Broker Software for Brokers across Dubai and the UAE

Six connected capability areas: (1) Unified quote-and-bind cockpit spanning every carrier the firm places with. (2) Renewal automation with owner assignment, client-touch cadence, and escalation. (3) Commission ledger with VAT-aware reconciliation, split rules, and variance exception workflow. (4) Certificate and disclosure document engine for Consumer Protection-aligned output at volume. (5) Client portal for self-service certificate retrieval, schedule access, and claim status. (6) Leadership dashboards surfacing pipeline health, lapse exposure, and commission variance.

Around those six, most firms also want: Takaful parallel placement support, bilingual Arabic document generation, Emirates ID and UAE PASS onboarding hooks, and a reporting layer feeding the broker's accounting or ERP stack.

Acturis, Applied Epic, Vertafore, and EBIX are established broker management platforms built for the UK and North American markets. They run broker operations well in their home markets and are widely deployed in UAE firms with UK or North American parentage. The gap for UAE-specific operations is usually not the core - it is the layer around the core.

Custom broker software is designed to sit alongside the existing core, closing UAE-specific gaps: carrier connectivity breadth with local insurers and Takaful operators, Consumer Protection Regulation disclosure workflow, Arabic document generation with right-to-left handling, certificate volume at renewal scale for corporate clients, and commission complexity that includes UAE VAT, WHT, and producer override rules.

Federal Decree-Law No. 6 of 2025 replaced the 2018 CBUAE Law and Federal Decree-Law No. 48 of 2023, with a transition period to 16 September 2026 for regulated persons to align. The platform is designed to align with the CBUAE Insurance Brokers' Regulation - prudential, governance, and reporting requirements - and with the Consumer Protection Regulation mandating standardised disclosures.

The platform produces audit-ready operational records across quotes, binds, renewals, commissions, and disclosures. CBUAE reporting formats are supported via configurable schemas so periodic format updates can be absorbed without rebuild. Licensing submissions and accreditations remain the broker firm's responsibility.

Yes. Takaful products are modelled as distinct product types with their own Wakalah and Mudarabah fee treatments, participant-pool accounting markers, and Shari'ah-compliance flags. Producers placing across conventional and Takaful carriers work in a single cockpit while the back-end ledger keeps the fund accounting properly segregated.

Ten Takaful operators hold national CBUAE licences, and multiple foreign Takaful windows operate alongside them. Parallel placement across conventional and Takaful carriers on the same risk is common in the UAE SME and commercial segments - the platform treats that pattern as native rather than exceptional.

Integration depth varies by carrier. Where a carrier publishes quote and bind APIs, we integrate directly - quotes flow back into the pipeline without manual transcription, and binds update the carrier's system in real time. Where carriers only offer extranet portals, we build workflow that reduces time-in-portal rather than eliminates it, with document capture and data extraction on the return path.

The integration map is drawn up during discovery against your placement list. Priority carriers with API depth are tackled first; lower-volume or portal-only carriers phase in later. Carrier priority is driven by your pipeline weight, not by vendor sales cycles.

Arabic-first and bilingual document generation is handled in the document engine layer, with right-to-left formatting, kashida-aware rendering, and Arabic-Indic numeral conversion where required. Output supports certificate, schedule, disclosure, and correspondence use cases.

Bilingual documents (typical for UAE corporate clients) are generated from a single template definition rather than maintained as separate language variants. Wording version control applies across both languages simultaneously so Consumer Protection disclosure updates propagate consistently.

Here's where custom insurance broker software typically sits in a wider stack.

Broker management core - we sit alongside Acturis, Applied Epic, Vertafore (AMS 360, Sagitta, EZLynx), EBIX, and Premia Broker for core client, policy, and transaction records.

Quoting and rating - we integrate with Applied Rater and carrier direct APIs where published, feeding results into the unified cockpit.

Document, content, and workflow - we exchange with DocuWare and OpenText for content management, with Power Automate or Nintex for workflow automation, and BI on Tableau or Power BI.

Integration approach is scoped during discovery. We don't ask you to rip and replace anything that works.

Discovery takes four to six weeks. Working with your commercial, SME, retail, finance, and compliance teams, we map the current carrier placement, commission reconciliation practice, renewal workflow, and disclosure generation. Output is a detailed report covering current-state map, recommended platform architecture, integration scope against the carrier list, phased implementation plan, and fixed-price build proposal.

Build for a core broker platform takes twelve to sixteen weeks from discovery completion. Full carrier integration breadth across a typical UAE broker's placement list runs six to twelve months with phased carrier activation prioritised by pipeline weight.

We don't publish a price bracket because what's useful varies massively by book size and carrier breadth. Discovery produces a fixed-price proposal with no obligation to proceed.