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2 min read

Primer on Insurtechs: The Role of Insurtech in the Insurance Distribution Chain

By Eva Ivanova on Apr 16, 2021 1:10:31 PM


Topics: Insurance SAAS information
5 min read

The World of Insurtech: A Growing and Exciting Ecosystem

By Cristian Joe on Apr 2, 2021 12:51:03 PM

The last 5 years has witnessed an explosive growth in ‘Insurtechs’, start-up tech businesses funded by a combination of silicon valley VC firms and non traditional sources of capital seeking outsized returns. These tech-driven, insurance-focused start-ups are establishing a presence at every level of the insurance value chain from providing tools to streamline underwriting to automating claims handling. The flood of investment together with the foothold that these new upstarts are obtaining is leaving the traditionally stable insurance world reeling. 

Topics: Insurance SAAS information
4 min read

Identifying and addressing unused code

By Michael C. on Mar 29, 2021 2:55:39 PM


As software applications grow, they can have areas that become unused. Identifying and addressing this code can give customers a cleaner experience, make engineering more efficient, and reduce surface area to attacks.

Topics: Insurance SAAS information
3 min read

BindHQ: Ideal Customers and Upcoming Product Features

By Eva Ivanova on Mar 26, 2021 11:50:22 AM

This is our third and final post in the interview series with Cristian, our CEO at BindHQ. 

Topics: Insurance SAAS information
2 min read

BindHQ: Competitive Advantage

By Eva Ivanova on Mar 24, 2021 12:55:25 PM

Today, we continue with our interview series with Cristian Joe, our CEO, as we discuss BindHQ’s competitive advantage in the marketplace.

Topics: Insurance SAAS information
3 min read

Data Mining Source Code History

By Michael C. on Mar 23, 2021 6:55:43 PM

Questions like “where are we?” and “where are we going?” only exist coherently within the context of “where have we come from?”. In the same way, understanding the history of a software project can help us to understand its trajectory and structure. 

3 min read

BindHQ: Beginnings

By Eva Ivanova on Mar 22, 2021 10:29:40 AM

Today we have the pleasure of interviewing our CEO, Cristian Joe, about our company’s story and its development. 

Topics: Insurance SAAS information
2 min read

CCPA: A Primer for MGAs, Insurtechs, and Insurance Businesses

By Cristian Joe on Mar 19, 2021 12:57:45 PM

If your MGA or Insurtech business conducts any business in California, you should be aware of the California Consumer Privacy Act (CCPA), a state law which places certain obligations on companies regarding consumer rights and data privacy. Even if your business is not based in California, the regulations apply to many companies who provide services to California residents. This means that any personal and commercial insurance client information for California-based clients or prospects, which is stored in your Agency Management System, is covered by the law and you need to know how to handle it from an operational perspective.

6 min read

Engineer Attention Budgeting

By Cristian Joe on Mar 17, 2021 9:30:08 AM

The metaphor of the budget is surprisingly helpful to engineers.

Topics: Insurance SAAS information
2 min read

Your Agency Management System: The Ultimate Witness to Your MGA’s Activities

By Cristian Joe on Mar 15, 2021 7:09:36 PM

As an MGA executive, there’s a lot resting on your shoulders. On any given day, you need to wrestle with multiple reports ranging from those that give you the 30,000 foot view of your MGA’s performance, down to reports providing the granular details that enable you to manage your MGA’s book of business effectively. Be in no doubt - you need an Agency Management System you can trust – one which handles your data efficiently, acts reliably whenever you need any documents, and serves as the ultimate witness to your agency’s activities.

Topics: Insurance SAAS information
5 min read

Firmly Grounded, Cloud-Hosted: Why Your MGA Should Move to Cloud-Hosting

By Eva Ivanova on Mar 11, 2021 3:03:30 PM

Here at BindHQ, we’re deeply invested in your success. Just like you, we come from traditional roots, founded by successful finance and insurance professionals rather than tech executives out of Silicon Valley looking for the next hot deal to enter and exit in 2 years. We are here to stay, and we want to be your partner.

Topics: Insurance SAAS information
3 min read

Dear MGA Owner: Is your AMS doing its job?

By Eva Ivanova on Mar 9, 2021 12:31:42 PM

Whether it’s frustrations from working with legacy AMS systems or grappling with disjointed, in-house attempts to store data in various Word or Excel documents, MGAs today run up against numerous tech-related challenges. Information and document storage, data analysis, regulatory compliance, audits and reporting - all of these aspects deserve your consideration. Trade-offs must be made. 

Topics: Insurance SAAS information
2 min read

With or Without an AMS: Improving Your Agency Operations

By Eva Ivanova on Mar 4, 2021 1:38:38 PM

As your MGA scales its operations, it is critical for you to upgrade your tools in order to be able to handle an increased volume of data and to grow your book of business accordingly. A state-of-the-art agency management system (AMS) plays an important role in that conversation. While digital improvements are taking over the insurance supply chain at every level, you do not want your MGA to be left behind its competitors.

Topics: Insurance SAAS information
2 min read

Relaunching the BindHQ Blog

By Cristian Joe on Sep 3, 2020 12:54:14 PM

Our sales and marketing team have spent the last few weeks redesigning the BindHQ customer facing website - like all projects, we were balancing trade-offs between getting it perfect - and getting it launched. Recognizing that the perfect is the enemy of the good, we pulled the trigger on Monday.

Topics: News Insurance SAAS
4 min read

Tools to Make Remote Working Easier

By Cristian Joe on Apr 10, 2020 7:49:00 AM

For our industry, the COVID-19 pandemic has brought about a tremendous amount of change in a very short amount of time. With varying degrees of lockdowns and “shelter in place” orders ongoing, most companies have gone from being office-based to relying on distributed teams working remotely. This has, unsurprisingly, brought with it a whole host of new challenges.

Topics: News information
1 min read

How we're navigating the Covid-19 pandemic

By Cristian Joe on Mar 23, 2020 8:30:00 AM

At Owsy, the health and well-being of our people - our colleagues, clients, and partners - is our priority.  We know first-hand how important it is to have a knowledgeable and trusted partner, and we are meticulously following the recommendations of the World Health Organization (WHO), our respective local governments, and health authorities.

Topics: News
1 min read

BindHQ Feature Update

By Cristian Joe on Dec 11, 2019 5:07:00 PM

We've just released a series of updates to help you keep your accounts clean and speed up sending out agency statements 👏
Topics: News
5 min read

Replacing an MGA's Core System

By Cristian Joe on Jul 23, 2018 7:44:00 PM

A detailed review of an AMS (agency management system) is an opportunity for an enterprise to closely examine its business and make strategic decisions about the kind of agency it wants to become. Modern Agency management systems should allow independent agents to evolve to support the changing insurance landscape. Most Agency systems are in place for 5 to 10 years.

Topics: Case Studies Insurance
3 min read

Reducing costs via Digitization

By Cristian Joe on Jul 9, 2018 3:44:00 PM

There are very few ways a C level executive of a mature insurance business can dramatically change the cost structure of their business today. The current economic climate forces agencies, MGA’s and insurers to face challenges including low interest rates, greater price transparency, few growth opportunities and sector consolidation. This has resulted in the management of costs as a key competitive advantage.

Topics: Insurance
1 min read


By Cristian Joe on Jun 5, 2018 10:08:39 PM


Here at Owsy we’re focused on making our users as effective as possible. We design, build, iterate and experiment with the goal of helping insurance companies do great things. This blog is intended to showcase some of the techniques we use to create products like BindHQ and communicate how we work as a whole.

We hope you enjoy it.

For those looking to work with us the reading materials below can provide some insight into our methodologies.


Organizational Structure

Distributed Agile Patterns

Getting Real

The LeSS framework



Microservice Architecture

Move fast & break nothing


Sales & Strategy

Spin Selling

Product Market Fit

Startups = Growth


Topics: News Insurance