Insurance (P&C)
Data-driven underwriting, optimized claims, and modernized core platforms for Property & Casualty carriers - designed to lift combined ratio and customer experience together.
Secure Traces insurance solutions modernize Property & Casualty core systems, automate claims, and layer AI-driven underwriting and fraud analytics onto existing policy administration platforms. Built for P&C carriers, reinsurers, and MGAs, the practice improves combined ratio and customer experience together while producing the NAIC-aligned model governance and audit trails that state regulators expect.
NAIC Model Law
SOC 2
ISO 27001
State DOI
The challenge
The insurance reality
Policy administration, billing, and claims often span decades of accumulated systems. Every rate change, product launch, or new distribution channel has to be threaded through that legacy core, and speed to market suffers for it.
Meanwhile underwriting expects richer signals, claims expects straight-through processing, and regulators expect a defensible explanation for every automated decision. Those three demands only reconcile with disciplined model governance.
Days → hours
is the realistic cycle-time shift when intake, triage, and settlement are automated with human review retained.
How we help
Four ways we move insurance forward.
Core platform modernization
Incremental decomposition of policy admin and billing, with no big-bang cutover risk.
Claims automation
AI-assisted intake, document extraction, and triage with adjuster review retained on exceptions.
Underwriting analytics
Telematics, IoT, and third-party signals enriched in real time at the point of quote.
Fraud & risk AI
Network and behavioral models that surface suspicious patterns with explainable reason codes.
Outcomes
What we deliver for insurance leaders.
Straight-through claims
AI-assisted intake, triage, and settlement across P&C lines.
Better risk selection
Signals from telematics, IoT, and third-party data enriched in real time.
Compliant velocity
Model governance and audit trails aligned to NAIC guidance.
Snapshot
A mid-market P&C carrier, 9 months
3.5x
faster first-notice triage
18%
lift in fraud detection rate
100%
decisions with audit trail
Representative outcome. Contact us for verified case studies.
FAQ
Insurance questions, answered.
Do we have to replace our policy admin system?
No. We decompose capability incrementally around the existing core so value lands in quarters, not multi-year replacement programs.
How do you keep automated decisions defensible?
Every model produces reason codes and a versioned audit trail aligned to NAIC model-governance expectations.
Which lines do you support?
Personal and commercial P&C, including auto, property, workers' compensation, and specialty programs.
How is fraud analytics deployed?
As a scoring service alongside claims intake, so investigators receive prioritized referrals rather than raw alerts.
Other industries