Contract Builder Platform for Specialty Insurance

Summary

Chunk Creations partnered with Artificial Labs as a core contributor to Contract Builder — a platform for digital underwriting and contract management in the London specialty insurance market. Over a three-year engagement, the work delivered foundational systems including the document editor, branding engine, content management, and conditional logic framework.

This long-term partnership shaped the platform's frontend architecture from early development through production maturity, serving brokers and underwriters managing complex specialty insurance contracts.

The Challenge

The London specialty insurance market — handling complex risks from marine cargo to cyber liability — traditionally relied on paper-based processes and legacy systems. Artificial set out to digitize contract creation and underwriting workflows.

The platform needed to:

• Handle document complexity — Insurance contracts contain hundreds of configurable sections with conditional visibility, validation rules, and compliance requirements
• Support real-time collaboration — Multiple stakeholders (brokers, underwriters, compliance) working simultaneously
• Enable brand customization — Each carrier requires custom headers, footers, and styling while maintaining regulatory compliance
• Scale for enterprise — Serve Lloyd's syndicates and major carriers with demanding reliability requirements
• Integrate with market infrastructure — Connect with industry platforms for seamless digital trading

Key Deliverables

Document Editor System

The core of Contract Builder — a sophisticated document construction system where insurance contracts are assembled from configurable content blocks.

We architected a modular system that handles complex configuration requirements while supporting different permission states and workflows. The architecture enables the product team to add new content types without requiring structural changes to the codebase.

Branding Engine

Insurance carriers require custom document branding while maintaining compliance with Market Reform Contract (MRC) standards.

We delivered a comprehensive branding system with precise print-ready dimensions, image management with drag-and-drop functionality, dynamic content insertion for policy data, and status workflows. Carriers can now maintain brand consistency across all generated contracts while meeting compliance requirements.

Rich Text Editing

Contract content requires rich text editing with domain-specific features — mentions, dynamic data fields, custom formatting — while maintaining document structure integrity.

The engagement delivered deep work on the editor system, including refactored content handling, toolbar integrations, image support with resizing, and improved user experience for non-technical users editing complex insurance documents.

Conditional Logic Framework

Insurance contracts have complex conditional logic — certain sections appear only when specific conditions are met. For example, showing specific exclusions only when coverage includes certain risk categories.

We implemented a sophisticated visibility configuration system that enables underwriters to configure conditional rules through the UI, reducing time-to-market for new contract templates without requiring custom development.

Data Display & Forms

Contract management requires displaying large datasets with complex requirements — responsive layouts, expandable rows, and proper hierarchy for navigating contract portfolios.

The engagement also delivered dynamic form infrastructure with schema-driven generation, validation systems, and repeater components for variable-length sections — reducing form development time and ensuring consistent UX across the platform.

Developer Experience

As the codebase grew, We invested in developer infrastructure: build system migration for improved performance, design system initialization with documentation, code quality tooling, and CI/CD improvements. These investments enabled faster development cycles and better onboarding for new team members.

Impact

Over three years, this partnership helped transform Artificial from an early-stage platform to a production system serving major market participants. Key outcomes include:

• Production-ready architecture — Core systems designed in year one continue to support features shipped in year three
• Enterprise adoption — Platform now serves Lloyd's syndicates and major insurance carriers
• Scalable patterns — Established architectural patterns adopted across the codebase by other contributors
• Reduced development friction — Infrastructure investments enabled faster feature delivery over time

Why This Matters

The London insurance market moves billions in premium annually. When Contract Builder experiences issues, it's not just software bugs — it's delayed policy renewals, compliance risks, and blocked underwriting capacity.

This engagement demonstrates We' approach to long-term partnerships:

• Sustained ownership — Not just feature delivery, but architectural stewardship over years
• Domain expertise — Deep understanding of insurance workflows and compliance requirements
• Full-stack frontend — From build tooling to rich text editing to complex state management
• Quality investment — Testing infrastructure and documentation that outlast any single feature

Building software for regulated industries requires understanding that code becomes part of critical business infrastructure.