The infrastructure gap is widening. Every quarter you wait costs more to close.
The average policy administration system in the US P&C market was installed in 1993. The average age of a new auto policyholder today is 26.
McKinsey estimates that automation-resistant claims processes cost the US P&C industry nearly $5B per year in avoidable leakage and duplicate payments.
Carriers still running mainframe-era rating engines take an average of 9 months to file a new product. Cloud-native competitors do it in 11 weeks.
"The carriers that modernized between 2018 and 2022 are now writing new business in 11 weeks. The ones that didn't are still waiting 9 months for a rate filing. That gap doesn't close on its own."
The same transformation pattern, executed at increasing scale.
Every engagement follows a proven three-layer migration architecture. The pattern repeats. The risk doesn't compound.
Replaced a 1997 ISO rating engine with a cloud-native Guidewire PolicyCenter implementation. Parallel-run migration over 14 months, zero renewal disruption.
Full Duck Creek Administration migration from a homegrown VB6 system. Scaled from 12 states to 31 states within 18 months of go-live.
Decommissioned a 1988 COBOL administration system and replaced with a modern, API-first platform. First new product filed in 11 weeks post go-live.
From 18-day settlement to 4 hours. The same claim. A different platform.
Implemented ML-based triage routing and automated coverage adjudication. Integrated ISO ClaimSearch for fraud detection at FNOL. Settlement via instant payment rails.
Straight-through processing for 94% of claims under $15,000. Human-in-the-loop reserved for complex liability and total-loss determinations only.
Numbers that don't require adjectives. The work speaks in specifics.
All metrics measured 12 months post-go-live. Client names withheld by NDA. Carrier segments and geographies disclosed.
Across 14 carrier engagements. No mid-migration data loss. No policy gaps. No downtime.
100% on-time delivery rate.
Gulf Coast MGA scaled from 12 to 31 states post-migration.
New product filed post-go-live at Midwest life insurer.
Parallel-run architecture eliminates cutover risk.
Measured 12 months post-go-live across 6 claims automation engagements.
Per carrier, in the first full year after automation go-live.
Download the Carrier Modernization Readiness Assessment
A 12-page diagnostic framework used by our principals in every initial engagement. Identifies your highest-priority modernization risks, quantifies the cost of delay, and maps a sequenced roadmap to cloud-native architecture.
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