The Operating System
for Modern Insurance.
Barbon OS is an AI-powered insurance platform built for insurers, brokers, bancassurance providers, agencies, and embedded insurance businesses.
Built for insurers that demand reliability, compliance, security, and speed.
Platform
One platform.
Every insurance function.
Barbon OS is a modular operating system for insurance companies. Each module works independently, or together — sharing the same data platform, the same identity layer, and the same AI engine.
Policy Administration
Full lifecycle management — quote, bind, endorse, renew, and cancel across all lines of business.
Claims Management
End-to-end claims processing with automated workflows, reserve management, and adjuster tools.
Underwriting Workbench
Structured risk assessment, pricing tools, and approval workflows for underwriting teams.
CRM
Customer relationship management built specifically for insurance — policies, history, and communications.
Broker Portal
A dedicated portal for brokers to quote, submit business, and track commissions in real time.
Agency Portal
Agency management with performance dashboards, policy access, and revenue tracking.
Customer Portal
Self-service portal for policyholders — view coverage, file claims, make payments, download documents.
Payments
Premium collection, instalment plans, refunds, and reconciliation — integrated with major payment rails.
Analytics
Business intelligence dashboards with portfolio analysis, loss ratios, and regulatory reporting.
Document Management
Centralised document store with AI extraction, version control, and compliant archival.
Integrations
Connect to any third-party system via REST APIs, webhooks, and a growing library of pre-built connectors.
AI Engine
Fraud detection, document intelligence, risk scoring, and natural language query across your data.
Compliance
Regulatory reporting, audit trails, data residency controls, and jurisdiction-specific rule engines.
Security
Role-based access, MFA, SSO, zero-trust architecture, and enterprise-grade encryption at rest and in transit.
AI Engine
AI that does the work,
not just the reporting.
Barbon OS embeds AI across every workflow — from document ingestion to settlement recommendation. Every model is purpose-built for insurance, not adapted from a generic foundation.
AI Claims Pipeline
- 01
Claim Received
Documents uploaded — PDF, images, structured data ingested
- 02
AI Extraction
Policy terms, incident details, and supporting evidence parsed
- 03
Inconsistency Detection
Cross-referenced against policy, historical data, and third-party sources
- 04
Preliminary Assessment
Estimated loss calculated with model confidence score
- 05
Fraud Risk Scoring
Behavioural patterns and anomalies evaluated against fraud signals
- 06
Settlement Recommendation
Suggested settlement generated with supporting rationale
- 07
Approval Routing
Routed to the appropriate adjuster or auto-approved by policy rules
Policy Administration
Built for the teams
who run the business.
Barbon OS puts every policy, claim, and customer in one place — with role-based views, audit trails, and the performance to handle enterprise-scale portfolios without compromise.
Total Premium GWP
$18.4M
Active Policies
24,819
Renewal Rate
87.4%
Average Premium
$740
Policy Register
24,819 policies · Showing 7
| Policy ID | Policyholder | Premium | Status | Actions |
|---|---|---|---|---|
| POL-2024-48291 | Acacia Holdings Ltd | $124,000 | Active | |
| POL-2024-48285 | Meridian Corp | $89,500 | Active | |
| POL-2024-48279 | Rho Transport Group | $54,200 | Renewal Due | |
| POL-2024-48271 | Port Logistics Ltd | $210,000 | Active | |
| POL-2024-48264 | Greenfield Farms | $38,700 | Active | |
| POL-2024-48258 | SkyTravel PLC | $22,100 | Lapsed | |
| POL-2024-48251 | Helix Pharma | $175,000 | Active |
Showing 1–7 of 24,819
Capabilities
Everything your team needs.
Nothing they don't.
Barbon OS ships with the capabilities that enterprise insurance operations require — and the discipline to not ship what they don't.
Cloud Native
Built on modern cloud infrastructure with auto-scaling, multi-region failover, and zero-downtime deployments.
API First
Every function is accessible via REST API. Build custom workflows or connect to your existing tech stack.
AI Powered
Insurance-specific AI models embedded across underwriting, claims, fraud detection, and document processing.
Compliance Ready
Jurisdiction-specific rule engines, regulatory reporting, and audit trails built into every workflow.
Secure by Design
Zero-trust architecture, encryption at rest and in transit, with enterprise identity management from day one.
Full Audit Trails
Every action logged, timestamped, and attributed — providing complete accountability across all operations.
Role-Based Access
Granular permissions at the field level. Define exactly what each role can see, do, and approve.
Document Automation
Generate policy documents, certificates, endorsements, and schedules automatically from structured data.
Fraud Detection
Machine learning models trained on insurance fraud patterns score every claim before adjuster review.
Workflow Automation
Visual workflow builder for approvals, escalations, notifications, and business process automation.
Reporting
Scheduled and on-demand reports for regulators, management, actuaries, and reinsurers — in standard formats.
Analytics
Real-time portfolio analytics — loss ratios, premium trends, retention rates, and exposure concentration.
Multi-Branch
Manage multiple branches, regional offices, and business units from a single platform with consolidated reporting.
Multi-Company
Run separate insurance entities on one platform — each with independent books, teams, and compliance rules.
Real-Time Insights
Live operational dashboards with millisecond data freshness — no ETL delay, no stale reports.
Integrations
Pre-built connectors for payment processors, banks, identity providers, reinsurers, and government registries.
Integrations
Connects to everything
you already use.
Barbon OS is API-first by design. Connect to payment processors, government registries, identity providers, AI models, and your existing enterprise stack — without custom development.
Payments
- Stripe
- Flutterwave
- Paystack
- M-Pesa
- Interswitch
Banking
- Open Banking APIs
- Bank Statement Fetch
- Direct Debit
- SWIFT
SMS & Messaging
- Twilio
- Africa's Talking
- Termii
- Bulk SMS
- SendGrid
- Mailgun
- Amazon SES
- Custom SMTP
- WhatsApp Business API
- Meta Cloud API
- Twilio WhatsApp
Identity & KYC
- Smile Identity
- Onfido
- Jumio
- Government ID APIs
Accounting
- Sage
- QuickBooks
- Xero
- Dynamics 365
CRM
- Salesforce
- HubSpot
- Zoho CRM
- Custom CRM
ERP
- SAP
- Oracle
- Microsoft Dynamics
- NetSuite
Government
- NHIA
- NAICOM
- IRA
- Insurance Registries
AI Models
- OpenAI
- Anthropic
- Google Vertex
- Custom Models
REST APIs
- Full REST API
- OpenAPI 3.0 Spec
- OAuth 2.0
- API Keys
Webhooks
- Event-driven hooks
- Retry logic
- Signature verification
- Log viewer
SDKs
- JavaScript / TypeScript
- Python
- PHP
- Mobile SDKs
Security
Enterprise security.
Not bolted on. Built in.
Barbon OS is designed for regulated industries where a security incident is not an option. Every layer of the stack — from API gateway to database — is hardened, monitored, and auditable.
Encryption
AES-256 encryption at rest. TLS 1.3 in transit. Field-level encryption for sensitive PII.
Identity Management
Centralised identity with SCIM provisioning, directory sync, and lifecycle management.
Role-Based Access
Fine-grained RBAC with attribute-level permissions. Least-privilege by default across every module.
Audit Logs
Immutable, tamper-evident logs for every action — searchable, exportable, and retention-configurable.
Data Residency
Choose where your data lives. Region-locked storage with no cross-border replication without explicit consent.
Backup & Recovery
Automated daily backups with point-in-time recovery. RTO < 1 hour. RPO < 15 minutes.
Disaster Recovery
Active-passive failover across availability zones. Tested quarterly. Documented runbooks.
Zero Trust
No implicit trust. Every request authenticated, authorised, and inspected — regardless of network origin.
SSO
SAML 2.0 and OIDC-based single sign-on. Integrates with Okta, Azure AD, Google Workspace, and others.
MFA
Enforced multi-factor authentication with TOTP, WebAuthn, and push notifications.
API Security
OAuth 2.0, rate limiting, IP allowlisting, request signing, and anomaly detection on every API endpoint.
Compliance
SOC 2 Type II, ISO 27001, GDPR, NDPR. Shared responsibility model with full evidence packs available.
Certifications & Standards
Solutions
Built for every vertical
in insurance.
One platform. Purpose-configured for every insurance model — from general insurance carriers to microinsurance distributors.
Full-cycle P&C management.
Policy administration, claims, underwriting, and analytics for fire, motor, property, liability, and all-risk lines. Multi-currency, multi-territory, multi-company — from a single platform.
Why Barbon OS
Built for the next
decade of insurance.
Insurance technology has been underinvested for decades. Barbon OS is what happens when a team that understands both modern software and insurance builds the stack from scratch.
Months of implementation. Custom configuration. On-premise hardware provisioning.
Cloud-native deployment in weeks. Infrastructure provisioned automatically. No hardware to manage.
AI added as an afterthought. Separate tools, disconnected data, manual re-entry.
AI embedded in every workflow — claims, underwriting, fraud detection, documents — from a shared data layer.
Proprietary interfaces. Limited or no API access. Integration requires vendor involvement.
Full OpenAPI 3.0 specification. Every function accessible via REST. Self-service integration in hours.
Legacy interfaces designed for data entry. High training overhead. Low adoption.
Role-optimised interfaces built for decision making. Intuitive design reduces training time significantly.
Monolithic systems with expensive upgrade cycles. Difficult to extend or customise.
Modular, event-driven architecture. Independent modules share one data platform. Scale what you need.
Fixed infrastructure capacity. Performance degrades under peak load. Manual intervention required.
Auto-scaling cloud infrastructure. Handles high-volume batch processing and real-time workloads.
Get Started
Ready to build your
insurance operation on Barbon OS?
Talk to our team. We'll understand your operation, walk you through a live environment, and help you determine the right configuration for your business.
We respond to all demo requests within one business day.