Property and casualty insurance software that runs beside your core
Policy and claims already work with AI agents, and the other modules follow
Plan your first moduleHow we put property and casualty insurance software to work- Change
- Add a warehouse, mid-term
- Rated
- Premium change drafted, +$1,180
- Reinsurance
- Ceded share updated on the treaty
- Waiting on
- Your underwriter's approval
A property and casualty software platform you adopt one module at a time
Personal, commercial, and specialty lines, in any currency
Write and change policies
New business, endorsements, renewals, cancellation, reinstatement, and rewrite, with agents drafting each change.
Handle claims from first notice
Adjusters, claims authority, payees, and letters, with agents taking intake and paperwork.
Group claims by catastrophe event
Every claim from one storm sits under one event, so you see the exposure together.
Bill and collect premium
Installments, payments, delinquency, and commissions in the billing module.
Cede risk to reinsurers
Treaties, layers, and facultative cover, with cessions and recoveries tied to policies and claims.
How we put property and casualty insurance software to work
Four steps, from the first module chosen to agents your teams rely on
- Days 1 to 5
Pick the module that pays first
We map one process as it runs and pick where a module or an agent pays first.
- Weekly rounds
Build beside your core
The first module is set up beside the system you run, connected through APIs.
- Go-live
Move one line or one state
Start with a slice of the book, so the rest keeps running untouched.
- After go-live
Operate, then add the next module
We run it with you against the agreed KPIs, then take on the next module.
When property and casualty insurance software is the right fit
And when another kind of help would serve you better
- Your core is hard to change and a full replacement feels too risky
- Catastrophe events swamp your claims team every season
- Policy, claims, and billing each hold their own copy of the customer
- You need a rating engine only, and the rest of your core works well
- You write one personal line in one state and your system keeps up
- You want a big-bang core replacement on a fixed date
Property and casualty insurance software in detail
What each module covers, and where AI agents already work
Why property and casualty insurers need a different kind of core
Climate losses, rising repair costs, and higher service expectations arrive at the same time. A catastrophe season can bring thousands of claims in a week, and pricing has to keep up with new risks such as cyber.
Older cores were built as one block, so changing a rate, a form, or a claims step means a project. InsureEdge lets you change one module at a time instead.
Underwriting, rating, and policy administration
Policy administration covers new business, endorsements, renewals, cancellation, reinstatement, and rewrite across auto, property, liability, and specialty lines. Rating rules sit with the product, so a rate change applies to every quote after it.
Policy already works with AI agents. An agent reads a submission or a change request, drafts the endorsement and the premium change, and your underwriter approves it.
Claims processing and catastrophe events
Claims cover first notice, adjusters, claims authority, catastrophe events, payees, and letters. When a storm hits, its claims sit under one event, so you see exposure and progress together.
Claims also work with AI agents today. Agents take first notice, check coverage, draft letters, and route each claim, and adjusters decide.
- First notice on phone, email, and portal
- Claims authority checked on every payment
- Catastrophe events tracked as one group
Billing, distribution, and reinsurance
Billing handles invoicing, payments, delinquency, commissions, premium finance, and the general ledger. Distribution covers agencies, producers, appointments, licensing, and commission plans.
Reinsurance handles treaties and layers, facultative cover, cessions, recoveries, and statements of account. Agents for these three modules follow policy, claims, and accounts.
Integration with your core and outside data
Every InsureEdge function is an API. That's how one module runs beside Guidewire, Duck Creek, Majesco, Sapiens, Insurity, EIS, OneShield, or a system you built yourself.
Outside data, such as weather feeds or property records, reaches rating and claims through the same APIs. Your teams work in InsureEdge's own screens, your portals, or our Workbench.
Compliance across states and jurisdictions
Forms, rating, and claims steps follow rules by state or country, and every change records who made it and when. Roles and approvals set who can bind, endorse, or pay above a limit.
Hosting can be shared, dedicated, or in your own environment. That helps when a regulator wants data kept in one country.
Questions about property and casualty insurance software
What property and casualty leaders ask us before they start
Does it integrate with our core systems and outside data sources?
Yes. Every function is an API, so InsureEdge connects to your policy, claims, and quoting systems and to outside data such as weather feeds. Rating and claims then work from current data, which helps you price and settle more accurately.
Can it be set up for insurers of different sizes?
Yes. A regional carrier might start with one module for one line, and a multi-line group might run several modules across countries. Workflows and rules are configured, not custom-coded, and reporting is set up per business.
Does it help us adapt to new risks such as cyber and catastrophe events?
New products, rating rules, and data sources are added as configuration, so you can price a new cover without a core project. Claims group a catastrophe's losses under one event, and agents take on intake when volume spikes. Your adjusters keep every decision.
How long does implementation take, and how is data migrated?
It depends on the module and the state of your data. We start with a five-day review, build in weekly rounds, and move one line or one state at a time. Data is extracted, cleaned, and checked against the source before anything moves, and both systems run until the figures agree.
How does it keep us compliant across states and jurisdictions?
Jurisdiction rules apply to policy forms, rating, claims steps, and reporting, so your team doesn't track them by hand. Every change is recorded with who made it and when. That gives you one audit trail across every state you write in.
Do we have to replace our core to use it?
No. Each module runs on its own beside the core you have, or all of them run together. You start with the module that holds you back most and keep the rest where it is.