The Operating System
for Insurance
By the Numbers
Built at enterprise scale.
Insurance runs on
a thousand disconnected tools.
Carriers, FMOs, agents, and agencies all use different platforms. The result? Friction everywhere.
Fragmented systems
Every carrier, every product, every channel runs on different software.
Scattered data
Policy information lives in email threads, spreadsheets, and portals.
Lost time
More time connecting systems than serving customers.
The solution
The Shopify of insurance businesses.
openOS is the unified platform where you host your business, manage operations, and deploy products direct to consumer. All from one place.
Layered Architecture
Built in layers. Designed to scale.
Open OS follows a classic operating system architecture: infrastructure at the bottom, core services in the middle, and user-facing apps on top.
App Platform
Apps are sandboxed, permissioned, and signed. Install from curated stores or build your own.
Core OS Services
10 shared services that every app uses, all connected via the same data fabric.
Infrastructure
Serverless, scalable backend with Row-Level Security and enterprise SSO.
Each layer provides a well-defined interface to the layer above, just like a traditional OS.
Core OS Services
The kernel that powers every app.
Ten shared services that every app on Open OS uses. Click on any node to explore.
All services share the same data fabric and event bus, enabling tight collaboration.
Your AI Agent
Ask anything. Do anything.
OPE is the AI assistant that lives inside Open OS. Query data, take actions, browse portals, and automate workflows through natural conversation. All within enterprise security.
Query Any Data
Ask questions in natural language. OPE searches across all your apps, documents, and databases instantly.
Take Actions
OPE doesn't just answer. It acts. Update records, send notifications, and create tasks, all through conversation.
Agentic Browsing
OPE navigates carrier portals, submits forms, and retrieves information autonomously, with your approval.
Cross-App Intelligence
Connects insights across all your applications. OPE sees the full picture, not just one app at a time.
Enterprise Security, Built In
Permission-Bound
OPE respects your RBAC/ABAC policies. It can only access and modify data you're authorized to see.
Human-in-the-Loop
High-risk actions require explicit approval. You review before OPE executes sensitive operations.
Zero Data Leakage
All processing happens within your security boundary. No data sent to external parties.
Full Audit Trail
Every query, action, and decision is logged with complete context for compliance.
OPE integrates with all Open OS apps: OURAS, Euclid, Claims, and everything you build with Noodle.
Build apps the fun way.
Noodle is our TypeScript-based framework for building apps inside Open OS. Same React you love, with windows, permissions, and AI built in.
TypeScript + React
Familiar patterns, zero learning curve.
OS-Native
Windows, permissions, events built-in.
Permission-Aware
Auto-respects user access rights.
AI-Ready
OPE integration out of the box.
Developer SDK
Hooks, services, superpowers.
Build apps with a powerful SDK that handles permissions, events, windows, and AI. Focus on your business logic.
Frontend SDK
React hooks and components for building window-based apps
@openos/noodleuseWindowManage window lifecycle and state
useWindow(windowId?: string)
useOrganizationAccess current org context
useOrganization()
usePermissionsCheck and enforce access rights
usePermissions()
useEventBusSubscribe to cross-app events
useEventBus(namespace?: string)
useDataQuery with automatic RLS filtering
useData<T>(endpoint, options?)
useAgentInteract with OPE AI assistant
useAgent(config?: AgentConfig)
Service SDK
Server-side utilities, API routes, and background jobs
@openos/noodle-servercreateAppRouterType-safe API routes
createAppRouter(config)
withAuthMiddleware for auth + RLS
withAuth(handler, options?)
EventEmitterPublish domain events
new EventEmitter(namespace)
StorageClientEncrypted file operations
new StorageClient(bucket)
AuditLogHIPAA-compliant logging
AuditLog.record(event)
JobQueueBackground task processing
JobQueue.enqueue(job)
CLI Commands
npx create-noodle-app my-appScaffold a new Noodle app
noodle devStart dev server with hot reload
noodle buildBuild for production
noodle deploy --org crown-coDeploy to Open OS cloud
Packages
@openos/noodle2.4.1Core React SDK
@openos/noodle-server2.4.1Server utilities
@openos/noodle-cli2.4.0CLI tooling
@openos/noodle-types2.4.1TypeScript definitions
Pre-Built Components
Zero Configuration
Apps automatically inherit organization context, user permissions, and theme settings. No setup required.
Your quoting infrastructure.
Zero lines of code.
Build, deploy, and manage carrier quoting APIs entirely within Open OS. Give your brokers and downlines direct access through APIs or custom interfaces, without writing a single line of code.
How It Works
Build Your Own API Engine
Carriers can create custom quoting APIs within the platform. No external development teams required. Define your products, rules, and pricing logic in a secure, managed environment.
Direct Broker Access
Give your entire distribution network instant access to your quoting engines through secure APIs or custom-built interfaces. Brokers, downlines, and partners all connected.
No-Code Interface Builder
Build quoting interfaces for your team without writing a single line of code. Drag, drop, configure. Anyone on your team can manage it.
Real-Time Quote Management
Monitor, adjust, and optimize your quoting in real-time. See what works, adjust pricing rules on the fly, and respond to market conditions instantly.
From Product to Production
Define Your Products
Configure your insurance products, coverage options, and pricing rules in our visual product builder.
Build Your API
Our platform automatically generates secure, scalable APIs for your quoting engine. No code required.
Distribute Access
Grant API access to brokers and partners, or build custom quoting interfaces for your distribution network.
Monitor & Optimize
Track quote volume, conversion rates, and performance. Adjust rules in real-time to stay competitive.
The Business Impact
Eliminate the need for specialized development teams to build and maintain quoting systems.
Launch new products and update pricing in days, not months.
Everyone on your team can manage quoting. No technical expertise required.
All your quoting engines, APIs, and interfaces in one secure, managed environment.
Lower your labor. Lower your costs. Make your business more effective.
The universal quoting engine that keeps it simple, manageable, and accessible to everyone on your team.
An ecosystem of apps.
Built on shared rails.
Apps on Open OS are sandboxed, permissioned, and signed. Install from curated stores or build your own with our SDKs.
App Stores
System Store
Core apps approved by Open Insurance: OpenQuote, ERP, CRM, and policy admin.
Partner Store
Third-party integrations including carrier quoting engines, e-signature, and payment processors.
Private Store
Your own apps: D2C storefronts, custom workflows, and proprietary product configurations.
Developer SDKs
Frontend SDK
React / TypeScriptBackend SDK
Node / PythonConnector SDK
Any languageEvery app declares its permissions, routes, and capabilities in a signed manifest. No hidden data access. No surprise side effects.
Production Applications
15+ apps. Already shipped.
A complete ecosystem of productivity, system, and insurance-specific applications, all running in the desktop environment.
Insurance & Healthcare
OpenQuote
Universal quoting engine. Tap into carrier APIs, deploy products D2C, compare rates instantly across multiple carriers.
OURAS
Risk navigator for lead underwriting. CSV upload, multi-dimensional scoring, portfolio dashboard.
Voice Agent
Real-time conversational insurance assistance through speech with VAD, STT, LLM, and TTS pipeline.
Core Productivity
System & Admin
Every app runs in a sandboxed window with its own lifecycle, permissions, and state management.
Security & Compliance
Trust built into every layer.
Open OS is designed for regulated industries. Privacy-by-design, least privilege, and full auditability are non-negotiable.
RBAC + ABAC Hybrid
66 granular permissions across clinical, administrative, system, and data access categories with JSONLogic policy expressions.
Encryption Everywhere
TLS 1.3 in transit, AES-256-GCM at rest, column-level masking for PII and PHI fields.
Immutable Audit Log
Every permission change, role assignment, and access decision logged to append-only tamper-evident storage.
Row-Level Security
PostgreSQL RLS enforces organization-scoped data isolation at the database level. No cross-tenant leakage.
Break-Glass Protocol
Emergency access with full disclosure, human-in-the-loop approval, tracked and reviewed post-incident.
13 Role Templates
Pre-configured healthcare-specific roles from physicians to auditors, with time-based and relationship-based policies.
Compliance & Certifications
The Complete Picture
Your business, powered by Open OS.
Infrastructure as a service for the modern enterprise. Build apps, manage operations, and scale. All from one unified cloud platform.
Infrastructure as a Service
Enterprise-grade cloud infrastructure that scales with your business. No servers to manage, no DevOps headaches.
Build & Deploy Apps
Create powerful applications with our SDK or no-code builder. Launch products that live where your business operates.
Instant Compliance
SOC 2 Type II, HIPAA, ISO 27001. All baked in from day one. Become high-trust certified overnight, not in months.
Empower Your Organization
Give every team member the tools they need. Manage permissions, workflows, and collaboration effortlessly.
Monetize Through Elements
Turn your apps into revenue streams. Publish to our marketplace and let other organizations discover and pay for your solutions.
AI-Native Platform
Every tool enhanced by AI. From OPE agent to smart workflows, intelligence is woven into every interaction.
Ready to Transform?
One platform.
Infinite possibilities.
Open OS gives your organization a unified, secure, AI-native foundation. Focus on what matters: serving your customers.