The Insurance Software Revolution Has Begun: CRS OSPolicy is changing the Game with its No Licensing Fee Open-Source Solution

Michael Jones, Co-Owner and CEO, Combined Ratio Solutions
Luke Magnan, Co-Owner and Chief Insurance Officer, Combined Ratio Solutions

Hartford, CT – June 3, 2025 – Combined Ratio Solutions (CRS) is leading the charge in reshaping the insurance industry with the introduction of CRS OSPolicy. This open-source policy administration system is designed to eliminate traditional limitations and redefine the deployment of new business lines.

“We are sick and tired of watching our clients and companies across the insurance industry get ripped off by software providers. The insurance market has suffered enough from restrictive, high-cost recurring licensing fees and ineffective software solutions. With CRS OSPolicy we are dismantling the status quo, offering an open-source, license-free alternative that puts insurers in control,” said Michael Jones, Combined Ratio Solutions Co-Owner and CEO.

Insurers face increasing challenges due to outdated, costly, and rigid technology, driving the need for a customizable, scalable, and vendor-agnostic solution. CRS OSPolicy meets this demand as an innovative, license-free platform designed for rapid deployment in approximately 90 days. Unlike traditional policy administration software, often expensive, slow to implement, and rigid, CRS OSPolicy offers a fast, customizable, and license-free forever alternative. We offer a low-cost solution for implementation, hosting, managed services, and comprehensive end-to-end support, all tailored for the P&C insurance industry.

“CRS OSPolicy isn’t another policy administration tool, we see this as a revolutionary movement that the insurance industry will be very interested in adopting. We designed our platform to adapt to real-world commercial insurance challenges easily, and it does not include a host of unnecessary bells and whistles. No vendor lock-ins, no bloated costs, instead we focus on customization, rapid deployment and efficiency,” said Luke Magnan, Combined Ratio Solutions Co-Owner and Chief Insurance Officer.

What sets CRS OSPolicy apart? CRS OSPolicy is license-free forever, meaning insurers can leverage its powerful capabilities without recurring fees, or vendor lock-ins. Its seamless and advanced integration ensures effortless compatibility with existing systems, eliminating complex workarounds. CRS OSPolicy integrates with standalone rating engines, billing systems, claims management tools, business intelligence dashboards, reinsurance systems, and more allowing insurers to adapt without friction.

Built for speed and flexibility, CRS OSPolicy is designed for rapid customization and deployment. With an Angular frontend and .NET backend hosted on Azure Kubernetes Service (AKS), it offers a scalable, resilient, and adaptable solution that meets the evolving needs of the insurance industry. This isn’t about software—it’s a rebellion against an unfair system and business practices. This is a revolution for the insurance industry. With OSPolicy insurers will have powerful administrative tools combined with easy customization giving them what they need to break free and achieve their business growth goals,” added Jones.

For more information, contact us below.
visit CRS OSPolicy Website or call 866-658-9099.

Michael Jones, Co-Owner and CEO, Combined Ratio Solutions
Luke Magnan, Co-Owner and Chief Insurance Officer, Combined Ratio Solutions

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