The Policy Administration System Built for the Way Insurance Actually Works
Modular Solutions is an enterprise-level policy administration system without the enterprise price tag. Purpose-built for MGAs, brokers with programs, and insurance mutuals and insurers, our nine fully integrated modules let you manage your entire operation from a single, intuitive platform. No code required and no fragmented systems.
See it in Action
4000+
Broker users across Canada
95%
Reduction in processing time
20%
Increase in automated renewals
35%
Improvement in efficiency
What is a Policy Administration System?
A policy administration system is the core software platform that insurance companies, MGAs, and brokers use to manage the full lifecycle of an insurance policy. A modern policy administration system automates these workflows, reduces manual processing, ensures regulatory compliance, and integrates with rating engines, document management, and billing systems.
The right system lets you build new products or programs, manage capacity and reinsurance relationships, empower your broker partner network, distribute directly to consumers, improve efficiency, manage the full policy lifecycle in one place, and make informed decisions with real-time access to your data.
Is Your Current System Holding You Back?
Most insurance organizations aren’t struggling because of a lack of talent or ambition; they’re struggling because their software is holding them back. If you’re relying on outdated or fragmented systems, you’re likely dealing with:
- Manual processes that cause delays and hurt customer satisfaction
- Fragmented systems that create duplicate work and incomplete data
- Slow time to market when adjusting or launching products, because changes require developers or external vendors
- Limited or clunky broker portals that frustrate your distribution partners
- Cumbersome reporting caused by siloed, inaccessible data
- An inability to leverage automation, APIs, or AI
- High total cost of ownership from legacy infrastructure
These are operational inconveniences that also erode profitability, damage partner relationships, and limit your ability to compete and grow.
Designed for the Canadian P&C Insurance Industry
Modular Solutions serves the full spectrum of the Canadian P&C insurance industry. Whether you’re an MGA scaling a niche program, a broker managing programs, or an insurer or mutual looking to modernize, our platform is designed by insurance professionals to meet your needs.
MGAs
Running an MGA means managing speed, complexity, and accountability all at once. With Modular Solutions, you can launch and update products without waiting on developers, manage your broker distribution with an industry-leading portal, and produce accurate bordereaux reporting for your capacity providers all while keeping operational costs under control.
Modular Solutions gives MGAs a no-code, fully configurable platform to manage the full policy lifecycle, automate manual tasks, and access real-time data. Our platform supports automated and accurate bordereaux reporting, including integration with Lloyd’s of London, and includes a broker portal (Gateway Module) that empowers your distribution partners to quote, bind, and manage policies efficiently. As a member and sponsor of CAMGA, we support Canada’s MGA sector.
Brokers with Programs
For brokers managing programs or binding authority, a standard broker management system simply wasn’t designed for your complexity. You need the configurability to build and update your own products, the tools to manage capacity and underwriting rules, and the ability to offer your own branded client experience without building software from scratch.
Modular Solutions gives program brokers the end-to-end tools to administer their programs, automate policy issuance and documentation, manage claims, and reporting. Our Gateway+ feature even enables direct-to-consumer quote, bind, and issuance, putting your product directly in front of your end clients.
Insurance Software for Brokers with Programs →
Insurers, Carriers & Mutuals
Insurance companies and mutual insurers face a unique challenge: the need for enterprise-grade capabilities paired with the flexibility to serve their communities and distribution networks efficiently. Legacy systems make this harder than it needs to be.
Modular Solutions was built to replace those systems. Our platform handles all P&C lines of business — from personal and commercial to farm, specialty, and complex products — and gives insurers and mutuals the configurability, automation, and reporting they need to thrive. As a member and sponsor of CAMIC, we understand the regulatory environment and community-driven values of Canada’s mutual insurance sector.
Nine Integrated Modules. One Unified Platform.
What makes Modular Solutions different from point solutions or legacy systems is that everything works together. Our nine fully integrated modules cover every aspect of your insurance operations so that your team, your data, and your workflows all live in one place.
Policy Module
Manage the full policy lifecycle — submissions, proposals, quoting, binding, issuance, endorsements, renewals, cancellations, and reinstatements — from a single interface. Automated document generation handles applications, certificates, declarations, and wordings. Every client detail and document is stored and accessible in one place.
Product Module
Design and configure your insurance products end-to-end without writing a single line of code. Build comprehensive rating engines, configure underwriting rules, manage document templates and wordings, and control product versioning. When the market shifts, your team can update products and rates immediately — no developer required.
Claims Module
Manage the entire claims process from first notice of loss through to settlement. Assign adjusters and vendors, update reserves, track claims financials, manage recoveries and salvage, and ensure renewals are rated with current claims information. Fully integrated to the Policy Module for complete lifecycle visibility.
Gateway Module (Broker Portal)
Offer your broker and agency partners a modern, branded portal where they can quote, bind, issue, and manage policies including changes, renewals, cancellations, payments, pink cards, and certificates. Gateway+ extends this further, enabling direct-to-consumer quote, bind, and issuance directly through your partners’ websites.
Intelligence Module
You own your data and Modular Solutions makes sure you can use it. Access a suite of pre-built reports covering sales, operations, underwriting, finance, claims, and reinsurance, or build custom reports for your specific needs. Real-time, 24/7 access to your data warehouse supports accurate bordereaux reporting with Lloyd’s of London integration included.
Finance Module
Streamline your accounting operations with full financial configuration, integrated payment processors and premium financing, A/P and A/R reconciliation, and direct integration to leading accounting software. Your finance team has the tools they need — connected to the same data as the rest of the platform.
Reinsurance Module
Manage your capacity provider and reinsurer relationships with full contract management, automated capacity assignment through a rules engine, and real-time bordereaux and analytics. Track aggregate exposure, contractual obligations, and claims recoveries without manual spreadsheets.
Reinsurance Module →
Stakeholder Module
Manage your broker and agency relationships with the flexibility to handle complex many-to-many relationships between offices and broker codes.
Admin Module
Configure and manage your platform settings, employee roles and permissions, automated activities, email event triggers, and organizational structure all without IT support.
What Makes Modular Solutions Different
There’s no shortage of insurance software on the market. Here’s what sets Modular Solutions apart.
Configurable Without Code
Your team can build and update products, adjust workflows, and configure the platform without developer support. This improves your responsiveness to the market and eliminates dependency on external vendors for day-to-day changes.
Handles All P&C Lines of Business
From simple personal lines to complex commercial, farm, specialty, and association programs — Modular Solutions supports them all. We currently support over 160 product types.
Genuinely Affordable
Enterprise-level capabilities without the enterprise price tag. After implementation, pricing moves to a subscription model, keeping your costs predictable and manageable.
Built by Insurance Professionals
Modular Solutions was designed by insurance professionals and technology experts who understand the real-world complexities of the industry. We’re not a generic software company that built an insurance module — we built this specifically for the insurance industry by experienced insurance professionals.
100% Implementation Success Rate
Implementation is done in-house by our team of experienced insurance and technology professionals. We have never had a failed implementation. Our services include data migration, product design and configuration, custom development, and a “train the trainer” model so your team is empowered from day one.
AI-Powered, Where It Counts
Our embedded AI assistant is designed to make your processes faster and easier. One key AI-powered feature is document ingestion: Modi automatically ingests emailed and PDF quote and claims submissions, eliminating manual data entry and improving intake speed and client responsiveness. We continue to evaluate and roll out new AI capabilities as the technology matures.
Secure & Cloud-Hosted in Canada
Our platform is cloud-hosted in Canada with Tier 3 infrastructure, full redundancy, geo-replication, high-resolution backups down to the minute for the past 90 days, multi-factor authentication, role-based access controls, data encryption at rest and in transit, and 99% uptime. Your data is protected — and it stays in Canada.
Connect Your Entire Ecosystem with the Solutions Exchange
Modular Solutions doesn’t operate in isolation. Our Solutions Exchange is a growing library of pre-built API integrations with third-party providers, including payment processors, premium financing, accounting software, evaluators, sanctions checking, risk management tools, and more.
Need to connect to a system that isn’t in the Exchange? If they have an API, we can likely build the connection.
See Solutions Exchange Partners →
Frequently Asked Questions About Policy Administration Systems
What is a policy administration system?
A policy administration system (PAS) is software that manages the full lifecycle of an insurance policy — from quoting and binding through endorsements, renewals, cancellations, and claims. It serves as the system of record for policy data and automates the workflows, document generation, financial processing, and reporting that insurance operations depend on daily.
Who uses a policy administration system?
Policy administration systems are used by insurance companies, mutual insurers, managing general agents (MGAs), and brokers with programs or binding authority. Each uses a PAS to manage their book of business, automate policy transactions, and meet the reporting and compliance requirements of their capacity providers and regulators.
What is the difference between a policy administration system and a broker management system?
A broker management system (BMS) is primarily designed for retail brokers managing client relationships and placing business with multiple insurers. A policy administration system manages the underwriting, issuance, and lifecycle of policies directly — including product configuration, rating, document generation, and capacity management. Brokers with their own programs or binding authority typically need a PAS, not just a BMS, because their operational requirements go beyond what a BMS is built to handle.
What lines of business can a policy administration system manage?
Modern policy administration systems can handle all property and casualty (P&C) lines of business, including personal lines (home, auto, recreational), commercial lines (CGL, E&O, D&O, commercial property), farm and agricultural products, and specialty lines (association programs, events, cyber, hole-in-one, and more). Modular Solutions currently supports over 160 product types, including highly complex commercial and farm products.
How long does it take to implement a policy administration system?
Implementation timelines depend on the number and complexity of your insurance products, the volume of data being migrated, and the internal resources you assign to the project. Implementation is handled entirely in-house by our team, which helps control cost, timeline, and quality.
Does a policy administration system require coding to configure products or make changes?
Not with Modular Solutions. Our platform is fully configurable without any coding. Your team can build new products, update rates and rules, adjust workflows, and manage documents without developer support or reliance on a third-party vendor. This is one of the key advantages of a modern, no-code PAS over legacy systems.
What is a bordereaux, and how does a policy administration system help produce them?
A bordereaux is a detailed report submitted by an MGA or coverholder to their capacity provider or reinsurer, summarizing all policies written under a binding authority arrangement. Producing accurate bordereaux manually is time-consuming and error-prone. A policy administration system automates bordereaux production by maintaining real-time, accurate policy data and generating formatted reports on a scheduled or on-demand basis. Modular Solutions includes automated bordereaux reporting with direct Lloyd’s of London integration.
Can a policy administration system integrate with other software?
Yes. A modern, API-driven PAS connects to accounting platforms, payment processors, premium financing providers, rating tools, document signing platforms, data analytics tools, and more. Modular Solutions offers a Solutions Exchange with pre-built integrations and can support custom API connections for other third-party systems.
Is a cloud-based policy administration system secure?
Yes, when built to modern standards. Modular Solutions is cloud-hosted in Canada with Tier 3 infrastructure, data encryption at rest and in transit, multi-factor authentication, role-based access controls, security protocols, high-resolution backups, and 99% uptime. For Canadian insurers and MGAs, data residency in Canada is an important compliance consideration — and your data stays here.
Ready to See What a Modern Policy Administration System Can Do for Your Business?
Whether you’re replacing a legacy system, launching a new program, or looking for a platform that can grow with your organization — Modular Solutions is built to move at your speed. Our team of insurance and technology professionals will walk you through the platform and show you exactly how it fits your operation.
Designed and built in Canada. Trusted by MGAs, brokers, and mutuals coast to coast.