What insurance technology services does Secure Traces provide?

Secure Traces provides P&C core system modernization, claims automation, underwriting and pricing analytics, fraud detection, agent and broker portals, data platform modernization, and NAIC-aligned model governance. Programs run across Guidewire, Duck Creek, and homegrown core platforms, and typically include the AI, integration, and cybersecurity work required to operationalize the change.

What is P&C core system modernization?

P&C core system modernization is the multi-year program of replacing or wrapping legacy policy administration, billing, and claims systems with modern, API-first platforms - often Guidewire, Duck Creek, or a cloud-native core. Done well, it enables straight-through processing, faster product launch, real-time analytics, and a lower cost per policy while keeping regulators and reinsurers satisfied.

How does AI improve claims processing?

AI accelerates claims by automating first-notice-of-loss intake, extracting structured data from documents and images, triaging severity, detecting fraud signals, and recommending settlement ranges. Straight-through processing handles simple claims end-to-end while complex claims land on adjusters with a fully populated file. The measurable outcomes are shorter cycle time, lower loss-adjustment expense, and higher customer satisfaction.

Can you integrate with existing policy administration systems?

Yes. Secure Traces integrates with Guidewire (PolicyCenter, ClaimCenter, BillingCenter), Duck Creek, Insurity, Majesco, and legacy mainframe cores via APIs, event streams, ESB, and file interfaces. The pattern is typically an API and event layer in front of the core so AI, portals, and analytics workloads never depend directly on legacy interfaces.

How do you handle insurance regulatory reporting?

Regulatory reporting is treated as a first-class data product: a governed data platform ingests policy, claims, and financial data, applies NAIC and state-specific rules, produces statutory statements (Yellow Book, Schedule P, and market-conduct filings), and preserves lineage for examination. Model governance for pricing and fraud AI is documented to NAIC Model Bulletin #4 expectations.

Underwriting, claims & analytics

Insurance (P&C) Technology

End-to-end P&C technology services enabling operational efficiency, data-driven underwriting, and optimized claims lifecycle management.

Secure Traces insurance technology services modernize Property & Casualty core systems, automate claims, and add AI-driven underwriting analytics and fraud detection on top of existing policy administration platforms. Built for CIOs and COOs at carriers and MGAs, the practice improves combined ratio, accelerates straight-through processing, and delivers NAIC-aligned model governance auditors can defend.

Core ModernizationData & AnalyticsClaimsUnderwritingCloud

Explore capabilities Capability Statement

Capabilities: 5
Delivery: Global
Engagement: Managed

Underwriting, claims & analytics

Operational efficiency and data-driven underwriting for P&C.

Discover

Deep-dive assessment and current-state architecture review.

Engineer

Design, harden, and deploy with senior practitioners.

Operate

24×7 managed operations with measurable SLAs.

What we deliver

Capabilities engineered for measurable impact.

Practice scope

Integrated capabilities - designed, delivered, and operated by senior practitioners.

Capability

Core Systems Modernization & Custom Application Development

Tailored technology that modernizes legacy P&C platforms across underwriting, policy administration, claims processing, and customer engagement.

Operational impact

Enables insurers to modernize operations, accelerate product innovation, and improve customer experience through scalable platforms.

Key capabilities

Custom application development for policy, billing, and claims systems
Legacy system modernization and re-platforming
API development and system integration
Workflow automation and digital process transformation
Cloud-native application architecture
User experience and customer portal development

Capability

Data Engineering & Advanced Analytics for P&C

Unify structured and unstructured data across underwriting, claims, actuarial, and customer systems to enable data-driven decision-making.

Operational impact

Enhances risk evaluation, operational visibility, and strategic decision-making by transforming fragmented data into actionable insight.

Key capabilities

Data architecture design and implementation
Data ingestion, transformation, and pipeline development
Data lake and warehouse implementation
Claims and risk analytics platforms
Predictive analytics for underwriting and loss modeling
Real-time reporting and business intelligence dashboards

Capability

Claims Technology Optimization & Automation

Streamline claims lifecycle management - reduce processing times and improve accuracy through automation and intelligent workflows.

Operational impact

Improves operational efficiency and customer satisfaction by accelerating claims while strengthening fraud detection.

Key capabilities

Claims intake and processing automation
Fraud detection analytics and anomaly monitoring
AI-assisted claims triage and decision support
Integration with third-party data providers
Document management and intelligent processing
Customer communication and status tracking systems

Capability

Digital Underwriting & Risk Assessment Solutions

Enhance underwriting through advanced analytics, automation, and integrated risk intelligence tailored to P&C operations.

Operational impact

Improves underwriting accuracy and speed while reducing operational complexity and enhancing risk management outcomes.

Key capabilities

Automated underwriting workflows
Risk scoring and predictive modeling integration
Third-party data enrichment and analytics integration
Policy lifecycle automation
Decision-support tools for underwriters
Regulatory compliance and audit-ready reporting

Capability

Cloud Transformation & Platform Integration

Modernize infrastructure and integrate core platforms through cloud transformation and secure ecosystem integration.

Operational impact

Accelerates digital transformation by enabling scalable, secure, and interconnected ecosystems tailored for P&C insurance.

Key capabilities

Cloud migration and architecture design
Integration with core insurance platforms and SaaS solutions
API-led connectivity and microservices architecture
Secure data exchange and partner integration
DevOps and continuous delivery pipelines
Performance optimization and scalability planning

AI Governance = Cybersecurity 2.0

Governance patterns for AI in regulated environments like insurance.

Read article

Get started

Discuss your underwriting, claims & analytics roadmap with our team.

Tell us where you are today and we will outline the fastest path forward - scope, milestones, and measurable outcomes for underwriting, claims & analytics. No obligation, just a clear plan.

Related practices

Explore related services.

Adopt AI securely and responsibly

Artificial Intelligence Solutions & Services

Proactive defense, intelligent detection

Cybersecurity

Protect critical infrastructure

OT SOC - Operational Technology Security

At a glance

P&C core system modernization paths

P&C core system modernization paths
Path	Timeline	Risk	Best for
Full replatform (Guidewire, Duck Creek)	24-36 months	High	Carriers with legacy monolith
Progressive modernization + APIs	12-18 months	Medium	Mid-size carriers & MGAs
AI wrap around existing core	3-6 months	Low	Faster claims & underwriting wins
SaaS core (cloud-native)	9-15 months	Medium	Greenfield lines & new entrants

What's included

Specific deliverables you can hold us to.

Every engagement scope is written as a concrete list of artefacts and services - not aspirations. Below is the baseline set included in a standard underwriting, claims & analytics engagement.

Guidewire, Duck Creek, Insurity, and Majesco implementation and extension
Legacy core wrap: API and event layer around mainframe or homegrown cores
Claims automation: FNOL, triage, document intelligence, and settlement support
AI-driven underwriting, pricing, and fraud detection
Third-party data enrichment (LexisNexis, Verisk, telematics, IoT)
Agent, broker, and policyholder digital portals
Data platforms for actuarial, regulatory, and executive reporting
NAIC-aligned model governance, documentation, and validation
Statutory reporting (Yellow Book, Schedule P, market-conduct filings)
Cloud migration and cybersecurity for insurance data estates

How we deliver

A phased engagement built for outcomes and audit trails.

Phase · Weeks 1-4

Discover

Line-of-business, core-platform, and integration inventory
Value-stream analysis across policy, billing, claims, underwriting
Modernization path selection (replatform, wrap, or SaaS core)
Data governance and model-risk baseline

Phase · Months 2-12

Deliver

Core system configuration, extensions, and integrations
Claims and underwriting AI models with human-in-the-loop review
API and event layer for straight-through processing
Data lakehouse for actuarial and regulatory reporting

Phase · Ongoing

Operate

Managed support for core platforms and integrations
Model monitoring for drift, bias, and adverse selection
Quarterly regulatory review and control attestation
Enhancement backlog against combined-ratio and NPS targets

Who this is for

Built for a specific buyer and situation.

Company size: P&C carriers, reinsurers, and MGAs with $100M+ direct written premium
Industries: Personal lines, commercial lines, specialty, workers' compensation, reinsurance
Situation: CIOs and COOs at P&C carriers modernizing legacy cores, launching new lines on cloud-native platforms, or layering AI onto existing policy administration systems to improve combined ratio and cycle time.

Tooling & partners

Named platforms we engineer with.

Guidewire InsuranceSuite (PolicyCenter, BillingCenter, ClaimCenter)P&C core platform
Duck Creek Policy / Billing / ClaimsP&C core platform
Insurity, Majesco, EISAlternative core platforms
MuleSoft / Boomi / KafkaAPI and event integration
Databricks / SnowflakeInsurance data lakehouse and analytics
LexisNexis / Verisk / TransUnionThird-party risk data enrichment
Shift Technology / FRISSFraud detection AI (integration partners)
H2O.ai / DataRobotActuarial and underwriting modeling

Standards & frameworks

NAIC Model Bulletin on the Use of AI Systems by Insurers
NAIC Model Law #668 Insurance Data Security
NAIC ORSA guidance
SOC 1 / SOC 2
ISO/IEC 27001:2022
GDPR and state privacy laws (CCPA/CPRA, VCDPA)
ACORD data standards

FAQ

Underwriting, claims & analytics FAQs

Common questions about Secure Traces underwriting, claims & analytics services.

Insurance (P&C) Technology

Capabilities engineered for measurable impact.

Core Systems Modernization & Custom Application Development

Data Engineering & Advanced Analytics for P&C

Claims Technology Optimization & Automation

Digital Underwriting & Risk Assessment Solutions

Cloud Transformation & Platform Integration

AI Governance = Cybersecurity 2.0

Discuss your underwriting, claims & analytics roadmap with our team.

Explore related services.

Artificial Intelligence Solutions & Services

Cybersecurity

OT SOC - Operational Technology Security

P&C core system modernization paths

Specific deliverables you can hold us to.

A phased engagement built for outcomes and audit trails.

Discover

Deliver

Operate

Built for a specific buyer and situation.

Named platforms we engineer with.

Underwriting, claims & analytics FAQs

What insurance technology services does Secure Traces provide?

What is P&C core system modernization?

How does AI improve claims processing?

Can you integrate with existing policy administration systems?

How do you handle insurance regulatory reporting?

Ready to advance your underwriting, claims & analytics strategy?