The verdict in three sentences
For an insurance brokerage in Dubai managing 3,500 property, casualty and health policies, custom policy management software costs USD 30,000 to 70,000 (about AED 110,000 to 257,000) in 2026, depending on the number of insurers connected and the depth of the claims module. It pays back through 6% of cancellations avoided thanks to renewal reminders and commission reconciliation in 2 hours instead of 3 days. Rollout takes 4 to 5 months, portfolio migration included.
What the budget pays for
A broker lives off its portfolio: every missed renewal is a lost commission, every insurer statement left unreconciled is a forgotten receivable. The software must handle commission scales that vary by insurer and line, endorsements, claims and client relationships. Indicative 2026 breakdown:
| Module | Scope | Budget (USD) |
|---|---|---|
| Client and policy portfolio | 3,500 policies, endorsements, documents, multi-line | 6,000 to 13,000 |
| Renewals and reminders | Alerts D-60, D-30, D-15, SMS, email, WhatsApp | 4,000 to 9,000 |
| Commissions per insurer | Scales per line, statement import, variances | 6,000 to 14,000 |
| Claims | Notification, tracking, documents, settlement times | 4,500 to 11,000 |
| Quotes and comparison | Motor, home, group health rates | 4,000 to 10,000 |
| Client portal and reporting | Certificates, policies, dashboards | 3,500 to 8,000 |
| Migration and training | Excel and legacy import, 2 sessions | 2,000 to 5,000 |
| Total | Scoping, development, rollout | 30,000 to 70,000 |
Recurring: UAE or EU hosting (USD 130 to 400 per month), reminder SMS (about USD 0.02 each) and maintenance at 15% of the budget per year. Off-the-shelf broker platforms often charge USD 50 to 100 per user per month, with limited adaptation to local insurer statements.
Expected gains
2026 orders of magnitude for a brokerage with 3,000 to 4,000 policies and an average commission of USD 60 per policy per year:
| Indicator | Before | After 12 months | Annual value |
|---|---|---|---|
| Cancellation rate | 14% | 8% | 210 policies kept, USD 12,600 |
| Commission reconciliation | 3 days a month | 2 hours | 34 days freed per year |
| Commission variances recovered | Not tracked | 1.5% of commissions | About USD 3,200 |
| Claim notification time | 5 days | 1 day | Client satisfaction |
| Certificates sent | Manually | Automatically | 6 hours a week saved |
| Cross-selling | Rare | Targeted campaigns | More policies per client |
Automatic statement reconciliation often uncovers unpaid commissions: on USD 210,000 of annual commissions, 1.5% of variances recovered is about USD 3,200.
Project timeline
| Phase | Duration | Deliverable |
|---|---|---|
| Scoping and statement analysis | 3 weeks | Scales for 6 to 10 insurers modelled |
| Portfolio and renewals | 5 weeks | Reminders live on a pilot line |
| Commissions and claims | 5 weeks | Automatic reconciliation in testing |
| Migration of 3,500 policies | 2 weeks | Full portfolio imported |
| Training and go-live | 2 weeks | Team of 8 trained |
Mini case study
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Layla, managing partner of a brokerage in Dubai (3,500 property, casualty and health policies, 8 staff, USD 210,000 in annual commissions), invests USD 46,000. Reminders bring cancellations from 14% to 8%, or 210 policies kept at USD 60 commission, USD 12,600 a year. Automatic reconciliation frees 34 working days, about USD 6,000, and recovers USD 3,200 in variances. Retained policies keep paying commission in later years: cumulative gains exceed USD 46,000 within about 2.5 years, and the portfolio keeps more value every year after that.
FAQ
How much does insurance broker software cost in Dubai in 2026?
Between USD 30,000 and 70,000 for 3,500 property, casualty and health policies. A version limited to portfolio and renewals starts around USD 15,000.
Does it import insurer statements?
Yes, each insurer's Excel or PDF statements are imported and matched automatically against the scales. Reconciliation drops from 3 days to 2 hours a month.
Can reminders go out by WhatsApp?
Yes, renewal reminders go out by SMS, email or WhatsApp at D-60, D-30 and D-15. They prevent around 6% of cancellations.
Is policyholder data protected?
Yes, the software follows the UAE personal data protection law, with access rights per staff member and an audit log. Health data is encrypted.
How long does implementation take?
Plan 4 to 5 months, including 2 weeks to migrate the 3,500 policies. The pilot line is live from the second month.
Let's scope your project. Tell us your number of policies, partner insurers and staff, and we will price a scope between USD 30,000 and 70,000 with a 4 to 5-month plan. Detailed quote within 48 h. WhatsApp +221 77 596 93 33.
Mohamed Bah
Fondateur, Kolonell
Passionate about digital and entrepreneurship in Africa, Mohamed has been helping Sénégalese businesses with their digital transformation since 2020. Founder of Kolonell, he believes every SME deserves a professional and accessible online présence.
