Design System
Three Insurance - Agent Portal
Designed a agent portal for THREE Insurance (Berkshire Hathaway), streamlining quotes, policies, and endorsements with custom UI flows.
Industry
Insurance
Headquarters
Omaha, Nebraska, United States
Founded
2019
Company size
700+
Overview
THREE, a Berkshire Hathaway-backed insurance company, needed a streamlined, responsive digital portal to serve both insurance agents and internal administrators. The platform had to reduce operational friction in managing small business policies, eliminate manual bottlenecks, and increase efficiency for underwriters, agents, and policyholders alike.
The complexity of small business insurance workflows—including pre-qualification, submissions, endorsements, and policy updates—required a highly structured, modular interface that could scale. At the same time, it needed to reflect the transparency and trust that the Berkshire Hathaway name carries.
Core Challenges
Create a highly efficient portal that enables:
Agents to quickly quote and bind business policies
Underwriters to review, endorse, and manage policies
Clear role-based flows (agent vs. underwriter-only flows)
A unified experience that reduces errors, accelerates workflows, and supports complex tasks (like endorsements and reinstatements)
Screen
6
Weeks
Role
The Process
1. Discovery & Research
We started by mapping all primary insurance operations in collaboration with underwriters and operations staff. Special attention was paid to submission bottlenecks and frequently repeated manual actions.
2. Architecture & Flow Mapping
Developed detailed flow maps for each core process:
Pre-qualification
Quote Submission
Policy Overview & Actions
Endorsements (mid-term or renewal)
Cancellation & Reinstatement
Workers’ Compensation (underwriter-only)
Each flow was documented with specific entry/exit criteria and system constraints.
3. Ideation & Wireframes
Rapid ideation was followed by mid- and high-fidelity wireframes to visualize step-by-step tasks. Key UI choices included:
Vertical navigation to accommodate large form sets
Task-driven layouts (vs. general dashboards)
Context-aware action states (e.g., disabling areas during endorsement)
4. Design System Development
The portal used the MUI React library with heavy customization for:
Insurance-specific components (e.g., risk rating matrix, billing tables)
Role-based UI masking
Consistent interaction patterns across tasks
5. Prototyping & Handoff
Interactive prototypes were shared with THREE stakeholders weekly, ensuring alignment and real-time iteration. Final designs were documented and handed off with detailed component specs.
Key modules delivered:
Pre-qualification: Fast-track flow to check eligibility before quoting
Quote Submission: Multi-step process to bind new policies
Policy View: Access business info, pricing breakdown, billing
Endorsements: Edit policies with focused, guided UI
Workers' Compensation: Underwriter-only feature with gated access
Cancellation / Reinstatement: Controlled flow with trackable user actions
Design Decisions That Made an Impact
Endorsement Mode: Disabled all irrelevant sections to reduce risk of incorrect edits—visually emphasized the current editable state.
Submission Efficiency: Prioritized data grouping and minimized scroll by creating form blocks with auto-save and inline validations.
The Outcome
The portal became a single point of access for agents and underwriters, delivering:
Faster underwriting decisions via streamlined quote and pre-qualification flows
Reduced manual errors through constrained, guided UI paths
Improved task completion rates for policy changes, especially endorsements
Stronger trust and transparency, backed by Berkshire Hathaway’s standards
It now actively powers daily operations at THREE and stands as a scalable foundation for future product expansion.
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