Insurance & Insurtech
Real-Time Data Systems for
Insurance Innovation.
- ISO 27001 Certified
- ISO 22301 Certified
- DORA Aligned
- GDPR Compliant
- Trusted by Companjon
HST Solutions delivers data engineering, real-time streaming, and AI services for insurers and insurtechs across Ireland, the UK, and Europe, including Kafka event architecture, claims automation, and partner analytics. ISO 27001 certified. DORA aligned.
Why Insurers and Insurtechs Bring Us in
- Data arrives faster than you can process it
- Legacy systems can't support real-time
- AI projects stall in notebooks
- Partner integrations multiply complexity
You don't need another innovation lab. You need data systems that process in real-time and AI that ships to production.
Who Brings in HST for Insurance
Insurtechs scaling embedded insurance
Insurers modernising claims processing
Underwriting teams drowning in manual data entry
Analytics teams who can't get data fast enough
CTOs preparing for scale
If that sounds familiar, we've solved it before.
What is Insurtech?
Insurtech (insurance technology) refers to technology innovations designed to improve efficiency, reduce costs, and enhance customer experience in the insurance industry. This includes AI-powered underwriting, automated claims processing, embedded insurance distribution, telematics-based pricing, and real-time data analytics.
The global insurtech market is projected to reach $638 billion by 2035, growing at 41.45% CAGR. In Ireland specifically, 122 insurtech companies operate across 17 counties, with 92.9% citing AI as critical to their business.
HST provides the senior data and AI engineers who build insurtech platforms from real-time streaming to production ML with the architecture to scale from startup to market leader.
Technology Stack
We build for insurance velocity. When a partner sends 1,000 quotes per minute, your system needs to keep up.
What We Build for Insurance
- Real-Time Data Streaming
- Kafka/Kinesis pipelines for API gateway traffic
- Partner data ingestion at scale
- Event-driven architecture for instant processing
- Bronze/silver/gold data lake patterns (Databricks, Delta Lake)
- Near-realtime dashboards and alerting
- AI & Machine Learning
- Claims triage and routing automation
- Fraud detection models
- Underwriting risk scoring
- Document processing (OCR, NLP)
- Customer segmentation and propensity models
- Partner & Distribution Platforms
- Embedded insurance API development
- Multi-partner data normalisation
- White-label quote and bind systems
- Partner performance analytics
- SLA monitoring and reporting
- Legacy Modernisation
- Core system integration layers
- Batch-to-streaming migration
- Data warehouse modernisation
- API-first architecture adoption
Case Study
Companjon — Real-Time Partner Streams
Companjon provides embedded insurance products through partner channels — e-commerce, travel, mobility. Each partner generates continuous API traffic that needs real-time processing for analytics, reporting, and operational insight.
- Challenge
- 100% of API gateway traffic needed mirroring without latency impact
- Multiple partners with different data formats and SLAs
- Near-realtime analytics required for partner performance
- Product teams needed self-service access to behaviour data
- What We Built
- Kafka-based streaming pipeline mirroring all API gateway traffic
- Python consumers streaming to Databricks (bronze/silver/gold layers)
- Near-realtime partner behaviour and product performance dashboards
- Data governance and access controls for cross-functional teams
- Technology: Kafka | Databricks | Python | Delta Lake | AWS
- Result
- 100% API traffic captured in real-time with zero latency impact on production.
- Product and partner teams now have near-realtime visibility into behaviour patterns, enabling data-driven decisions on partner performance and product iteration.
Ireland:
Europe's Insurtech Hub
Ireland is positioning itself as a global centre for insurance innovation:
- 122 insurtech companies
- 11 of top 15 global insurers
- 92.9% of Irish insurtechs
- 86% planning international expansion
- Central Bank Innovation Sandbox
Major insurtech founding members in Ireland include AA, Allianz, Aviva, AXA, FBD, Irish Life, VHI, Laya, SCOR, Unum, and RSA.
HST operates in this ecosystem — we understand Irish insurance regulation, European data requirements, and the technology standards global insurers expect.
Regulatory & Compliance Expertise
| Regulation | What We Deliver |
|---|---|
| DORA |
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| Solvency II |
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| GDPR |
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| Central Bank of Ireland |
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| IDD (Insurance Distribution Directive) |
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| PRIIPs |
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We’re ISO 27001 and ISO 22301 certified, and DORA aligned — the security, business continuity, and ICT risk management standards regulators expect from insurers and their technology partners.
Why insurers choose HST over alternatives
| Big 4 / Consultancies | Offshore Teams | HST | |
|---|---|---|---|
| Insurance domain |
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| Real-time expertise |
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| AI to production |
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| Accountability |
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| Speed |
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We've built real-time insurance platforms. We know the domain.
Services for Financial Services
| Service | Application in Fund Admin |
|---|---|
| Data Engineering |
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| AI/ML Engineering |
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| Cloud Migration |
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| DevOps & CI/CD |
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| Custom Software Development |
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Pricing
Precision Pod
€5–6k/month
Single seat
- 1 Senior Data/AI Engineer
- PM included (up to 6–8h/month)
- Architecture reviews (up to 2h/week)
- DevOps/QA assist
- 3-month minimum, then 30-day notice
Pair Pod
€10–11k/month
Two engineers
- 2 Senior Engineers (e.g., Data + ML)
- PM included (up to 10h/month)
- Architecture reviews (up to 4h/week)
Mini-Team
€15–16k/month
Three engineers
- 3 Engineers (e.g., Data + ML + Backend)
- PM included (up to 15h/month)
- Architecture reviews (up to 6h/week)
- Swap guarantee in first 2 weeks.
* Anything beyond the included caps is an add-on or an upgrade. No hidden overages.
Frequently Asked Questions
What is embedded insurance?
Embedded insurance integrates coverage into non-insurance purchases adding travel insurance at flight booking, device protection at electronics checkout, or rental coverage in mobility apps. It requires real-time API integration, instant quote generation, and seamless policy binding. HST builds the data infrastructure that powers embedded insurance distribution.
Can you build real-time data systems for insurance?
Yes. Real-time is core to our insurance work. We’ve built Kafka-based streaming pipelines processing 100% of API gateway traffic with zero latency impact. Our engineers understand event-driven architecture, streaming data lakes (bronze/silver/gold), and the sub-second processing requirements of modern insurance.
Do you have experience with insurance AI and machine learning?
Yes. We build production AI systems for insurance claims triage, fraud detection, underwriting risk scoring, and document processing. We don’t just build models; we deploy them to production with monitoring, retraining pipelines, and integration into operational workflows.
What's the difference between insurtech and traditional insurance technology?
Traditional insurance technology focuses on core systems policy administration, claims management, billing. Insurtech adds innovation layers AI-powered automation, real-time analytics, embedded distribution, usage-based pricing. HST works at this innovation layer while integrating with core systems.
Do you work with the Central Bank of Ireland's requirements?
Yes. We build systems that meet Central Bank expectations for data governance, security, and audit trails. We’re DORA aligned, ISO 27001 and ISO 22301 certified the security, business continuity, and ICT risk management standards regulated insurers require from technology partners.
How fast can you start?
7–10 business days from signed agreement to engineer embedded in your team.
Give us 20 minutes. We'll show you how we've built real-time systems for insurtech.
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