We Make Your Insurance Technology Better.

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You’ve made commitments.
We help ensure you meet them.

You have a backlog a mile long, and the pace of change requests coming from your business customers show no sign of slackening. Whether it’s the development or configuration of existing systems, we can provide you the resources you need to ensure you deliver on your promises.


Your business customers ask for a lot. We make it easy to say, “Yes”.

Competitive advantage lies in the fringes between your core systems. Whether you want to better integrate your policy admin system to your CRM, introduce robotics automation to process loss runs, find a better way for agents to collaborate with underwriters during the quoting process, or something else entirely, we can help.

Buy what tools you can, let us build what you can’t.


Forget the hype. We enable you to be your own insurtech firm.

Innovation doesn’t require partnering with industry outsider startups. It doesn’t need to involve a room full of suits who want to tear apart everything you’ve built, and it certainly doesn’t require a huge investment of time and money.

You pick the good idea and let us figure out the best technologies and methodologies required to implement it quickly and inexpensively.

Get To Know Us.

You shouldn’t do business with people that you haven’t met.   Until we have that pleasure, here’s the next best thing, Combined Ratio’s “Real Talk” vlog series.  

About Us

Based in Hartford, Connecticut, Combined Ratio is an InsurTech services provider specializing in maximizing the value commercial lines property and casualty (P&C) insurance companies have invested in existing IT infrastructure. Combined Ratio’s experienced onshore and offshore development teams easily accelerate the pace of change within insurance organizations by rapidly clearing IT backlogs and change requests, creating custom software solutions, performing system enhancements and upgrades, and delivering opportunities for innovation with competitive pricing options and significant expertise optimizing operations. Whether the challenge is integration or configuration, Combined Ratio helps insurance organizations figure out the best technologies and methodologies required for quick, inexpensive implementations.
Michael Jones

Michael Jones

Chief Executive Officer

Luke Magnan

Luke Magnan

Chief Operating Officer

Vitaly Sergeev

Vitaly Sergeev

Chief Technology Officer

Dmitry Zhgarev

Dmitry Zhgarev

Director of Software Development

Nanette Pouliot

Nanette Pouliot

Director of Services

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Your insurance technology means well, sometimes it just needs a nudge in the right direction.  Let us help.  

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