Smartek builds AI-powered underwriting and operations platforms for insurers, reinsurers, MGAs and brokers — live in production today.
Smartek is an insurance technology company built at the intersection of insurance expertise and advanced technology. We design intelligent software solutions that help insurers, reinsurers, MGAs, brokers and specialist insurance businesses modernise operations, simplify complex processes and build more connected digital experiences.
Smartek builds focused, working platforms for the hardest parts of insurance and reinsurance operations to modernise — broker submissions, underwriting workflow, automated pricing, and reporting — deployed however fits your business, whether that's a subscription or hosted in your own environment.
Our approach combines a deep understanding of the insurance lifecycle with modern technology. From policy administration and underwriting to claims, reinsurance, customer engagement and integrations, Smartek develops platforms around the way insurance businesses actually work.
Technology should do more than digitise existing processes. It should make insurance simpler to operate, easier to scale and smarter to manage.
Through solutions including Smartek InsureX and Smartek Takaful, we help organisations replace fragmented processes with flexible, scalable and connected technology.
Three platforms are live and running real business today. The rest are in active development.
AI-assisted reinsurance underwriting and operations — the full lifecycle, from broker submission to renewal, running in live production today.
Takaful underwriting and distribution with API-driven straight-through processing, purpose-built for how Takaful business actually works.
Real-time customer engagement and sales performance for insurance and financial services teams — see what’s happening now, not next month.
Damage assessment, from above. Smart Sat turns satellite imagery into a claims ready damage assessment, giving claims teams a clear answer within hours of an event.
Every business in the chain touches the same risk from a different angle. We build so those angles connect.
Full underwriting lifecycle from broker submission to renewal — the operation Smartek InsureX was built to run.
A dedicated Takaful underwriting and distribution platform with straight-through processing, not a bolted-on module.
API-first platforms that fit how MGAs distribute and manage business, with the governance to back it.
Submit risk from your own systems, get decisions back through the same API, no re-keying.
Right-sized, modern software for teams who can’t wait eighteen months for an enterprise implementation.
Deep insurance industry knowledge, from underwriting to claims, built into every workflow.
Secure, scalable and future-ready — hosted with UK data residency.
Adapt to change without disruption: rules, limits and approvals you control.
Delivering real results for insurers — 5,000+ risks managed in live production.
From strategy and implementation to ongoing success, with people who know the product.
Human-in-the-loop by design: agents that reason through exceptions, escalate when they’re unsure, and leave a full audit trail.
The agentic enterpriseBuild once, scale across insurance functions for compounding ROI.
Design flexible AI agents and deploy them across claims, underwriting and back-office workflows — unlocking reusable intelligence and accelerating returns across the enterprise.
Start with high-impact use cases, move from idea to deployment quickly.
Smartek helps teams identify high-value, low-complexity opportunities and rapidly turn them into production-ready AI agents through structured, collaborative workshops.
AI agents that escalate when needed.
Agents are designed to recognise uncertainty, ask clarifying questions and route decisions to humans when appropriate — reducing hallucinations and improving trust in critical workflows.
Handle complex insurance scenarios beyond rigid automation rules.
Smartek AI agents adapt to non-standard, exception-heavy insurance processes by reasoning through context rather than relying solely on static rules or predefined paths.
Smartek InsureX is implemented and actively used by a UK-based reinsurance company — 5,000+ risks managed, not a demo.
SaaS subscription or in-house deployment — your infrastructure, your choice.
Our team has underwritten risk, managed brokers, and run claims — not just written code for it.
Straightforward to integrate with the systems you already run.
Modern technology without the multi-year enterprise implementation.
We tell you plainly what’s live today and what’s still being built.
Hosted by Smartek. Fast to start, predictable monthly cost, nothing to manage.
Run within your own infrastructure — built for teams with specific data residency or control requirements.
Global platforms, regional insurers and InsurTech innovators have modernised operations, improved agility and enhanced customer experiences with tailored technology solutions from Smartek.
Most demos show you a concept. Ours shows you something already running.