Insurtech security testing

Why insurtech platforms get breached

Insurtech platforms hold massive amounts of sensitive data. You collect medical records. You collect car registration numbers. You collect home addresses. Hackers want this data. They sell it on the dark web.

But data theft is only half the problem. The other half is direct financial fraud. Insurtech platforms use complex code to calculate premiums and process claims. Hackers exploit this code. They lower their monthly premiums to zero. They submit fake accident photos and force the system to pay them instantly.

Automated scanners cannot stop insurance fraud. A scanner checks if your server uses old software. It does not check if a user can change their risk profile in the API to get cheaper car insurance. We act like real hackers. We hunt for the fatal logic flaws that destroy your loss ratio.

The anatomy of an insurance claim attack

Hackers exploit the gap between your frontend mobile app and your backend server. Let us look at a real-world claims attack.

A user crashes their car. They open your mobile app to file a claim. The app asks for photos and an estimated repair cost. The user types "50,000 Naira" into the app. The app sends a request to the server: `claim_amount=50000&policy_id=998877`.

The hacker intercepts this request using a tool like Burp Suite. They stop the request before it reaches your server. They rewrite the data. They change it to: `claim_amount=5000000&policy_id=998877`.

They forward the tampered request to your server. If your server trusts the frontend data, it approves a 5 million Naira payout. The hacker gets the cash instantly. This is a classic business logic flaw. We test your APIs to ensure your server never trusts the frontend data.

What we test in an insurtech security review

We perform deep, aggressive testing on your entire insurtech infrastructure. We test the mobile app, the broker portal, the APIs, and the admin dashboard. We cover every single angle.

Premium generation and pricing logic

We attack the core engine of your business. We change the risk parameters before we send them to the server. We try to inject negative numbers to see if we can trick the system into paying us to hold a policy. We test if we can buy a premium policy but pay the price of a basic policy. We find every gap in your mathematical logic.

Claims processing fraud

We attack the claims endpoint. We test your integration with third-party verification providers. We upload fake photos. We try to reuse old claim IDs to get paid twice. We force your system to reject tampered claim requests. We secure your payout pipeline.

Broken Object Level Authorization (BOLA)

Insurtech apps hold highly sensitive health and financial data. We test every single API endpoint for BOLA. We log in as User A. We change the user ID parameter in the URL to User B. If your server gives us User B's medical history, you have a critical data leak. We hunt down every single BOLA flaw to stop mass data breaches.

Broker and agent isolation

Insurance brokers manage hundreds of clients. We test your broker dashboard. We log in as Broker A. We try to view Broker B's client list. We try to steal Broker B's commissions. We check if an attacker can manipulate the broker portal to grant themselves super admin access. We lock down your multi-tenant architecture.

Admin portal vulnerabilities

Your internal admin portal controls everything. We try to bypass the login screen. We try to steal admin session cookies. We check if an attacker can manipulate a claims adjuster into clicking a malicious link that approves a fake claim automatically. We lock down your back office completely.

The tools we use to break your platform

We use the exact same toolchain that advanced financial hackers use to break into insurance platforms.

• Frida and Objection: We hook into the live memory of your iOS and Android apps. We bypass SSL certificate pinning. We read your encrypted local storage.
• Burp Suite Professional: We route all mobile and web traffic through Burp. We intercept and modify every single claim request before it hits your backend server.
• Jadx and Ghidra: We decompile your Kotlin and Swift binaries. We read your raw code to find hidden API endpoints and hardcoded encryption keys.
• Custom Python Scripts: We write bespoke Python scripts to exploit complex race conditions. We test what happens when a user clicks "Submit Claim" fifty times in one exact millisecond.

The final delivery and remediation process

We do not just find the bugs and walk away. We give your engineering team the exact tools they need to fix the code quickly and permanently.

You receive a massive, detailed technical report. We rank every vulnerability by risk level using the CVSS framework. We provide the exact HTTP request logs. We write out the exact steps to reproduce the attack. Your engineers can copy our steps and watch the bug happen on their own screens.

We give you precise code snippets to fix the flaws. We show you how to implement strict server-side validation for all claim amounts. We show you how to secure your webhook endpoints. We show you how to enforce robust database row locking to prevent race conditions.

We jump on a video call with your developers. We explain the risks plainly. We answer every single question. After you deploy the fixes, we retest the application to prove the bugs are gone forever. We issue a clean security certificate.

Regulatory compliance and NAICOM audits

Insurtech platforms face massive regulatory scrutiny. You collect private medical data. If you leak this data, regulators will shut you down.

We map every single vulnerability we find to the major compliance laws. We map our tests to the NAICOM (National Insurance Commission) cybersecurity guidelines. We map our tests to the NDPA (Nigeria Data Protection Act) privacy rules. We map our tests to the OWASP Top 10 standard.

Our Head of Compliance Oversight reviews your final report. We ensure the document totally satisfies your underwriting partners, your investors, and your regulators. You prove that you take customer data privacy seriously. You close your enterprise deals faster. You operate without fear of catastrophic fines.