First-of-its-Kind Digital SOV Platform: Powering Smarter Insurance with Real-Time Risk Intelligence
Industry
Insurance
Platforms
Web and Mobile (Android & iOS)
Services Provided
Custom mobile app development, Web development, Product engineering, UI/UX design
Built enterprise-grade web and mobile app- live hazard data, geocoding, and location scoring.
Overview
A group of insurance subject matter experts approached Zerozilla with an ambitious goal: to redefine how insurance providers and buyers create SOVs, interact with environmental risk and hazard data. By integrating geospatial analytics and real-time event monitoring, they envisioned a product that delivers risk intelligence straight from the map.
The project spanned both mobile and web platforms, aimed at delivering real-time hazard alerts, location-specific risk assessments, vendor service integrations, and a scalable revenue engine, all within a serverless environment built for performance.
Problem
Insurance stakeholders lack reliable, location-based hazard data that is both comprehensive and delivered in real time. Existing tools are fragmented, reactive, or don’t offer granular control to insurers or users.
The client wanted to bridge this gap by identifying risks by location coordinates, tracking environmental events, pushing alerts in real time, and incorporating partner data for hazard mitigation services. The challenge? Building a fully serverless system capable of high-performance geolocation, AI-based risk scoring, and seamless integration with multiple vendors.
We started by mapping the client’s core goals- geospatial risk data, real-time notifications, and vendor monetization- into product functions. The vision was clear: deliver actionable risk data that insurance providers and buyers can trust.
Choosing the Technology
The system had to be real-time, scalable, and lightning fast. Serverless infrastructure was a no-brainer. We selected Google Cloud tools and Firebase for backend and data flow, and Flutter and Next.js for a seamless cross-platform experience.
Technology Stack
The frontend used Next.js, Flutter, and Google Maps, while the backend ran on Node.js, Python, Firestore, Spanner, and Firebase Functions. Earth Engine, Gemini, Stripe, and Firebase Cloud Messaging handled AI, payments, and alerts.
Tools Used
Project management was handled using JIRA, with team collaboration through Google Workspace. Testing involved Java Selenium for automation, JMeter for performance, REST Assured for API testing, and OWASP ZAP for security.
Methodologies Involved
The team followed Agile methodology with bi-weekly sprints, maintained continuous feedback loops with stakeholders, and refined requirements through iterations with domain experts.
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