Morning Data
Morning Data is a London-based software provider delivering API-driven policy administration, digital onboarding, and compliance solutions (Novus, Helix, Eos Hub, Contract Checker) to MGAs, brokers, captives, and coverholders in the global specialty insurance market, operating as a subsidiary of Verisk since June 2023.
- Company typePrivate
- Founded1983
- HeadquartersLondon, United Kingdom
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Morning Data does
Morning Data Limited is a London-based software provider, founded in 1983, that delivers API-driven insurance technology solutions to the global specialty insurance and reinsurance market. The company serves four primary customer segments: Managing General Agents (MGAs), wholesale and retail brokers, captive insurers, and coverholders. Its flagship product, Novus, is an end-to-end policy administration platform for specialty intermediaries operating in the Lloyd's of London and London company markets. This is complemented by Helix (policy administration for captives), Eos Hub (digital onboarding and broker engagement), Contract Checker (MRCv3 and CDR compliance validation), Rulebook (quote-and-bind rating engine), and native integration with the Whitespace placing platform. Together these products form the 'Connected Four' ecosystem, anchored by the Paradigm data model which Morning Data donated to ACORD in 2021 to establish industry-wide data standards.
The underlying technology is an API-driven, cloud-hosted architecture with structured data capture throughout the insurance lifecycle, eliminating rekeying between systems. The platform incorporates built-in compliance with Lloyd's Blueprint Two, MRCv3, and CDR v3.2 standards, and supports out-of-the-box deployments in as little as four weeks. Distribution is through a consultative direct enterprise sales motion targeting specialty intermediaries globally, supplemented by partnerships with Verisk, VIPR, Whitespace, and Diot-Siaci-affiliated entities.
Morning Data operates as a private subsidiary of Verisk following its acquisition by Verisk Specialty Business Solutions in June 2023. The company maintains offices in London (22 Bishopsgate) and Dorset with a team of 25+ staff, and continues to operate with its existing management including CEO Kirstin Duffield. Revenue is generated primarily through recurring software subscriptions, with solutions scalable from five users for smaller brokers to enterprise deployments for large international wholesale brokers and MGAs.
Morning Data firmographics
Firmographics- Name
- Morning Data
- Legal name
- Morning Data Limited
- Website
- https://morningdata.co.uk
- Company type
- Private
- Founded year
- 1983
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Morning Data is a London-based software provider delivering API-driven policy administration, digital onboarding, and compliance solutions (Novus, Helix, Eos Hub, Contract Checker) to MGAs, brokers, captives, and coverholders in the global specialty insurance market, operating as a subsidiary of Verisk since June 2023.
- Ownership category
- akta.pro rank
Morning Data industry classification
Industry- Product category
- Insurance Software
- NAICS
- Computer Systems Design and Related Services (54151), Custom Computer Programming Services (541511)
- SIC
- Services-Prepackaged Software (7372), Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- Data Modeling & Semantic Layer / Business Glossary (HDAEADAJ)
Keywords
Where Morning Data is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices2 records
Markets served
Morning Data business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Software Subscriptions: Morning Data provides software solutions including Helix (policy administration for captives), Novus (policy administration for brokers/MGAs), Eos Hub (digital onboarding), and Contract Checker. Solutions are offered as cloud-hosted subscriptions with scalable pricing models.
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
Morning Data product offering
Product offeringCore offering
Morning Data develops and delivers cloud-hosted insurance software for MGAs, brokers, captives and coverholders, anchored by the Novus and Helix policy administration platforms and surrounded by Eos Hub digital onboarding, Contract Checker compliance validation and Rulebook quote-and-bind automation. Solutions are built on the Paradigm data model and offered as scalable subscriptions with 4-week out-of-the-box implementations.
Product overview
Morning Data offers a platform-plus-modules architecture centered on its Connected Four ecosystem. The core platform is Novus, an end-to-end policy administration system for specialty intermediaries (MGAs, brokers, coverholders) in the Lloyd's and London company markets. This is complemented by: Eos Hub, a digital broker hub providing configurable applications for onboarding, subjectivities, accounts, and Contract Checker; Contract Checker, a rules-based validation engine for MRCv3 and CDR compliance; and Whitespace integration for seamless connection to the insurance placing platform. Additional products include Helix (policy administration for captives), Rulebook (quote-and-bind rating engine), and Paradigm (foundational data model donated to ACORD in 2021). The ecosystem is anchored by Paradigm's data model ensuring cohesive data across all products via a common Master Reference Library.
Differentiator
Problem solved
Functional benefit
Brands
- Paradigm: Paradigm is Morning Data's data model that was donated to ACORD in 2021, forming the foundation of their product suite for data capture and ingestion.
- Connected Four
- Helix
Products and services
- Novus End-to-end policy administration platform for MGAs, brokers and coverholders in the Lloyd's and London company markets. Provides a single source of truth for all risk data, high-quality complex reporting, governance and access controls, cloud hosting and scalable pricing.
- Helix Policy administration system used by the captive insurance community worldwide. Provides a trusted platform for captive management that can produce reporting for local regulatory requirements, with reliable and easy-to-manage system implementation.
- Eos Hub Digital broker hub containing configurable applications (Onboarding, Subjectivities, Accounts, Contract Checker). Enables digital engagement with clients, collection and presentation of data between client and broker, and feeds into policy admin systems to reduce manual re-entry.
- Contract Checker Microservice rules engine for contract validation. Validates contract data against business and data standards rules including MRC v3 and CDR v3.2, with pre-defined rulesets available out of the box and a purpose-built low-code UI via the EOS application.
- Rulebook Quote-and-bind rating engine with a pre-configured user-friendly front-end. Offers a ready-built foundation of standardized questions and workflows aligned with reporting standards, empowering non-developers to fully customize without technical burden.
- Whitespace Integration Integration connecting Novus to the Whitespace placing platform. Users can transfer data from Novus to create digital MRC documents in Whitespace without rekeying, with two-way integration reducing friction, errors and repetition while maintaining a single source of truth between core and placing platforms.
- Connected Four Data-first, end-to-end PAS solution bundling Eos Hub (self-service and automation), Novus (policy administration), Contract Checker (MRCv3 and CDR compliance) and Whitespace integration. Designed for brokers and MGAs fitting SME budgets, providing a future-proof solution that streamlines administration, compliance and digital trading.
Quantifiable outcome
- Out-of-the-box implementations can be deployed in as little as 4 weeks
- +1 more outcomes
Companies that use Morning Data
Customer profileNamed customers3 records
Segments5 records
Ideal customer profiles4 records
Morning Data technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
AI capability4 records
Feature3 records
Morning Data partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core.
- DS Global MarketscoreDS Global Markets, the Diot-Siaci Group's strategic platform for structuring and placing insurance solutions, has selected Novus as their core solution to support rapid expansion and digital transformation ambitions. Located in London's financial district, it connects the group's local expertise with the full capabilities of the London market.
- AG LondoncoreAG London, a newly established independent London wholesale broker backed by Assurex Global Partner firms, has chosen Whitespace with Novus as its core broking platform. The partnership enables a data-first approach with secure, seamless handling of structured data through award-winning technology.
- VIPR (Vipr)coreVerisk and Vipr announced partnership to collaborate on integration between Intrali bordereaux management and Novus core platform solutions. These two market leaders are joining forces to deliver an integrated solution for the Delegated Insurance market, combining VIPR INTRALI (bordereaux management) and Novus (core accounting platform) for enhanced efficiency and data management.
- VeriskcoreIn June 2023, Morning Data was acquired by Verisk Specialty Business Solutions, the London Market division of Verisk. Morning Data and Verisk share a vision of a data-lead insurance market. Morning Data is now part of the Verisk portfolio offering purpose-built solutions across the insurance lifecycle.
- WhitespacecoreWhitespace Software integration with Novus allows users to transfer data from Novus to create a digital MRC document in Whitespace without rekeying. The integration provides single version of truth between core and placing platforms, reduces frictional costs and errors, and ensures consistent validity checks using industry data standards.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Morning Data competitors and assessment
Company assessmentDirect peers
- Insurity: Insurity is a US-based insurance software vendor providing policy administration, claims, and analytics solutions for P&C insurers, MGAs, and mutuals. It directly competes with Morning Data's Novus PAS in the specialty insurance intermediary market, with overlapping coverage of MGA and broker workflows.
- Duck Creek Technologies: Duck Creek provides a cloud-native suite of insurance core systems (policy, billing, claims) for P&C insurers globally. It competes with Morning Data's Novus in the broader PAS market and shares the cloud-hosted SaaS delivery model.
- EIS Group: EIS provides a cloud-native core insurance platform (policy, billing, claims) for life, accident & health, and P&C insurers, including specialty markets. It competes with Morning Data's Novus in the specialty insurance PAS segment with similar SaaS delivery and API-driven architecture.
- Majesco: Majesco delivers cloud-native insurance core software (Policy, Billing, Claims) for P&C and L&A insurers, with a strong focus on mid-market and digital-first insurers. It competes with Morning Data's Novus in the modern cloud PAS category serving specialty insurers and MGAs.
- Applied Systems: Applied Systems is a leading insurance technology provider focused on broker and agency management software (Applied Epic, Applied TAM). It directly competes with Morning Data's broker-targeted offerings (Novus, Eos Hub) in the wholesale and retail broker segment.
Broad incumbents
- Guidewire Software: Guidewire is the dominant incumbent in P&C insurance core systems, serving large global insurers with PolicyCenter, BillingCenter, and ClaimCenter. While it operates at a larger scale and broader market than Morning Data, both target the same core PAS category, and Guidewire is actively expanding London Market-specific capabilities that compete with Novus.
- Sapiens International: Sapiens offers insurance software solutions for property/casualty, life, and reinsurance markets worldwide, including policy administration platforms. As a broad incumbent with global coverage, it competes with Morning Data for specialty insurance intermediary deals, particularly at larger MGA and broker accounts.
Emerging players
- Whitespace Software: Whitespace is an insurance placing platform with native digital MRC document creation, deeply integrated with Morning Data's Novus. While it is a close technology partner, it also represents an adjacent/emerging category that overlaps with Morning Data's digital onboarding and policy admin workflows for the London Market.
- VIPR Technologies: VIPR provides bordereaux management and data validation solutions for the delegated authority market. As an integration partner of Morning Data (combined INTRALI + Novus offering), VIPR is an emerging adjacent player whose capabilities partially overlap with Morning Data's Contract Checker and policy admin features.
Others
- SSP (Sequel Business Solutions): SSP is a London Market-focused insurance software specialist (now part of Verisk Specialty Business Solutions alongside Morning Data). As a sibling Verisk entity offering broker and MGA software, it is the most directly comparable Verisk portfolio peer and represents both internal collaboration and potential channel conflict for Morning Data.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Morning Data social profiles
Digital presenceMorning Data financial estimates
Financial estimateRevenue estimate
Valuation estimate
Morning Data leadership team
Management profileNumber of profiles
Profiles2 records
Morning Data funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Morning Data M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Morning Data
What does Morning Data do?
Morning Data develops and delivers cloud-hosted insurance software for MGAs, brokers, captives and coverholders, anchored by the Novus and Helix policy administration platforms and surrounded by Eos Hub digital onboarding, Contract Checker compliance validation and Rulebook quote-and-bind automation. Solutions are built on the Paradigm data model and offered as scalable subscriptions with 4-week out-of-the-box implementations.
Is Morning Data a public or private company?
Morning Data is a private company. It is classified as corporate owned and is currently operating.
When was Morning Data founded?
Morning Data was founded in 1983. It employs 11 to 50 people.
Where is Morning Data based?
Morning Data is headquartered in London, United Kingdom, in the Europe region.
How does Morning Data make money?
One revenue line is on record: software Subscriptions.
Who are Morning Data's main competitors?
Direct peers on record are Insurity, Duck Creek Technologies, EIS Group, Majesco and Applied Systems. Broad incumbents are Guidewire Software and Sapiens International. Emerging players are Whitespace Software and VIPR Technologies. SSP (Sequel Business Solutions) is listed as an others.
Does Morning Data have an API?
No public API is recorded for Morning Data.
What industry is Morning Data in?
Morning Data's product category is Insurance Software. Its primary akta.pro industry code is HDAEADAJ, Data Modeling & Semantic Layer / Business Glossary. Its NAICS code is 54151 and its SIC code is 7372.