We move submissions, policies, and claims on to their next step.
We run defined insurance work, from submission preparation and policy administration to claims coordination and reconciliation.
What the operation depends on
Each insurance decision depends on the work around it.
Brokers, underwriters, claims handlers, and finance teams need complete information and steady follow-through, so that what they decide gets done.
Who it serves
Scope the service to your business.
Carriers
Defined operations around your underwriting, policy, claims, and finance systems.
MGAs and delegated businesses
Submission and policy administration within your delegated authority and carrier terms.
TPAs and service partners
Bounded claims stages or administrative services that fit your responsibilities.
What we run
Services across the insurance lifecycle.
Each service ends in a unit of work you accept. Start with one.
UnderwritingOS
Insurance Underwriting Operations
Unit of workA complete submission, ready for your underwriter
PolicyOS
Policy Operations
Unit of workA completed policy transaction
ClaimsOS
Claims Operations
Unit of workA completed claims stage
OnboardingOS
Customer and Business Onboarding
Unit of workA completed onboarding or refresh case
ReconcileOS
Reconciliation Operations
Unit of workA closed reconciliation cycle
RiskOS
Risk and Actuarial Operations
Unit of workA completed close or model cycle
Who does each stage
The insurance lifecycle, from submission to reserving.
We run eight of these stages. Your team or your partners handle reinsurance.
Insurance · 11 stages
Submission and clearance
We clear the submission, normalize the statement of values, and analyze loss runs.
Underwriting decision
Your underwriters select, price, and bind within your limits.
Your decision
Quote, bind, issue
We administer quote and bind and track subjectivities.
Policy servicing
We issue policies and process adjustments, renewals, and cancellations.
Delegated authority and bordereaux
We prepare premium bordereaux to each carrier’s requirements.
Premium credit control
We bill premiums, follow up arrears, and issue lapse notices.
Claims handling
We take first notice, verify coverage facts, and coordinate evidence.
Coverage and settlement
Your claims team decides coverage, reserves, and settlement.
Your decision
Recoveries
We pursue subrogation and salvage through to closure.
Reinsurance
Your team or your partners
Reserving and reporting data
We prepare reserving triangles and IFRS 17 and Solvency II data.
Where to start
Start with the line and workflow that repeat.
A commercial-lines submission queue or an endorsement process makes a focused first service.
We scope engagements across the United States, Latin America, and Europe.
Your first operation
Bring us one operation.
Tell us the process, the volume, and what “done” looks like. We will come back with a scope, a deployment plan, and a proposal.