PolicyOne Platform
PolicyOne is a modern, cloud-native insurance policy administration platform built for property and casualty carriers who require full lifecycle policy management, configurable underwriting workflows, and AI-assisted decision support — without sacrificing auditability or regulatory compliance.
What makes PolicyOne different?
| Capability | Description |
|---|---|
| OOTB-first, carrier-extensible | 95% of P&C policy scenarios are covered out-of-the-box. Carriers extend entities, override screens, and add rules without forking platform code. |
| ACORD/ISO aligned | All entities, fields, and coverage codes map to ACORD AL3 and ISO standards. |
| Two-tier lock model | Platform definitions are protected by Postgres Row Level Security. Carriers cannot accidentally break upgrade paths. |
| AI-assisted underwriting & copilot | Built-in KALP AI agent reviews submissions, flags referrals, evaluates OOS endorsements, and surfaces coverage recommendations. Agentic workflows act on the underwriter's behalf. |
| Multi-tenant | One deployment, multiple carriers. Hard tenant isolation at the database layer. |
| Governed promotion pipeline | Configuration changes move from sandbox → production through a tracked approval workflow. |
Platform Architecture
| Layer | Technology |
|---|---|
| Frontend | Next.js 15 App Router (React 19) |
| Database | PostgreSQL with Row Level Security |
| ORM | Drizzle ORM |
| Authentication | JWT sessions + pluggable adapters (Local, LDAP, SAML, OIDC) |
| AI provider | Pluggable — OpenAI, Anthropic, Azure OpenAI, Google Gemini, Ollama |
| Monorepo tooling | pnpm workspaces + Turborepo |
| Developer tooling | Kalp Schema Editor (VS Code extension) |
Core Modules
Getting StartedData ModelConfiguration GuideSecurity & AuthIntegration GuideAPI ReferenceOOTB Lock GuidePromotion GuideScreen ReferenceRelease Notes
Lines of Business
PolicyOne ships with OOTB support for the following lines:
| LOB Code | Description |
|---|---|
personal_auto | Personal Auto (Collision, Comprehensive, Liability, UM/UIM) |
homeowners | Homeowners / Property (Dwelling, Contents, Liability) |
bop | Business Owner's Policy |
cgl | Commercial General Liability |
workers_comp | Workers Compensation |
umbrella | Umbrella / Excess Liability |
inland_marine | Inland Marine |
Policy Lifecycle
Submission → Quote → UW Review → Bind
→ Issue → In-Force → Endorsement/Renewal
→ Cancellation / Non-Renewal
Every state transition is recorded in the transaction log with the acting user, timestamp, and any AI agent context.
Quick links
- Carrier Onboarding — provision your tenant and first admin user
- Data Model Overview — full schema reference
- Policy Lifecycle — submissions, quotes, and bind process
- Transactions — append-only transaction stream
- OOTB Lock Guide — what you can and cannot change
- Security & Auth — RBAC, RLS, and PII handling