High-stakes engineering for the insurance industry.

We build, support and scale mission-critical insurance platforms.

Based in the UK, our senior engineering team uses advanced automation and intelligent development frameworks to deploy high-performance platforms with pace and precision.

View our InsurTech case study

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What our clients say.

“Formulate's involvement was fundamental to Loxa Cover's success. They played a critical role in shaping the direction of the business, helping us evolve the product from an early concept into a robust, scalable platform.
Formulate brought a rare blend of strategic thinking and hands-on technical expertise, ensuring we made the right architectural and commercial decisions from the outset.
Their guidance accelerated our progress dramatically and positioned us to attract serious investment with confidence in both our technology and long-term vision.”

Ruby on Rails
PostgreSQL
AWS
Docker
Kubernetes

Jamie Hamer

CEO, Loxa Cover

“In a regulated environment, there is no room for 'good enough.' Formulate brought a level of engineering rigour to our compliance workflows that we simply couldn't find elsewhere.
They didn't just build a portal, they delivered an architecture that has transformed our operational oversight.
The Hub is now a foundational asset that ensures our resilience and simplifies our most complex business processes.”

Ruby on Rails
Next.js
React
Tailwind CSS
PostgreSQL

Alan Hickman

CEO, IRL

Proven in InsurTech

We bridge the gap between deep insurance domain expertise and high-stakes technology development. Our history of building successful InsurTech gives us an unparalleled understanding of regulatory compliance, the nuances of customer experience, and the necessity of operational efficiency.

We do not simply write code. We build resilient, scalable business platforms tailored to the complexities of a regulated market. We act as a consultative partner, ensuring your technology is a strategic asset rather than a source of risk.

Bespoke platforms

Key Features of Our Bespoke Platforms

API-First Architecture

Seamless integration with existing systems (CRMs, policy admin), third-party data providers, and future innovations.

End-to-End Policy Lifecycle Management

Covers everything from quote and bind through to claims processing and renewals, tailored to your specific product lines.

Scalable Cloud Infrastructure

Built on robust, secure cloud platforms to handle high transaction volumes and future growth without downtime.

Modern UX/UI

Intuitive user interfaces for both internal teams and end customers, driving higher conversion rates and reduced support costs.

Regulatory Compliance & Security

Designed with security and compliance (e.g., GDPR, FCA requirements) as a core non-negotiable component.

Data Migration

Navigating the complexity of legacy data migration with precision, ensuring continuity, compliance, and integrity during your transition.

Our Partnership Approach

We operate as a high-calibre extension of your team. Our process is rooted in intellectual integrity: we lead with discovery, move through agile development, and conduct rigorous testing.

Crucially, we believe in Technology Sovereignty. We build to empower our clients, ensuring they retain full ownership of their systems down to the underlying code, with complete transparency and understanding of how everything works. This avoids the ‘black box’ approach that often leads to vendor lock-in.

Colleagues discussing work in an office setting

The Next Step

Build your foundation on engineering rigour.

Ready to evolve your legacy infrastructure or launch the next generation of your insurance platform? Let's discuss the business challenge you need to solve.