Improve the combined ratio at every step from submission to subrogation.
Faster commercial submissions, straight-through personal-lines claims with fraud caught before payment, endorsements and renewals without re-keying, and reserving that connects to live claims development.
P&C Control Tower
LiveCombined ratio
94.1%
↓-2.6ptsClaims STP rate
68%
↑+11ptsLoss ratio
61.4%
↓-2.1ptsSubro recovered
$14.2M
↑+22%Combined ratio, last 10 quarters
AegisNow serves personal and commercial P&C carriers from quote to claim: underwriting with loss-run and exposure ingestion, a modern policy admin core with a no-code product factory, billing across direct and agency bill, straight-through claims with fraud and SIU scoring plus subrogation and salvage recovery, and a governed actuarial platform for pricing, reserving and capital — one data fabric with the combined ratio in view.
Confidence-gated adjudication clears routine claims so adjusters focus on complex losses and recovery.
Illustrative, capability-framed outcome — your results depend on your data, scope and configuration.
The pressures that define p&c insurance
Every p&c insurance programme answers to a distinct set of loss modes and regulators. AegisNow maps both onto one governed core — so a single filing artifact can satisfy many regimes.
Loss-ratio deterioration
from stale rates and loss trends
Claims leakage, fraud
and missed subrogation recoveries
Catastrophe exposure
and reinsurance program adequacy
Slow product and rate changes on legacy admin systems
Expense-ratio pressure
from manual servicing and billing
Rate filing and market-conduct scrutiny
across states
Mapped to one filing library
Obligations from each regime auto-map to shared artifacts, so evidence collected once satisfies many regimes at exam time.
- State DOI rate & form filings
- NAIC RBC
- Unfair Claims Practices
- Solvency II (EU groups)
- IFRS 17 / PAA
Built for p&c insurance, on one governed core
Each module is composable and shares the same data fabric, Cortex AI brain and evidence ledger — so coverage compounds across the vertical instead of fragmenting.
Underwriting Workbench
Rate, decide and refer on one governed underwriting desktop.
Smart Claims
Every decision on the file has an author, a rule and a record.
Policy Administration
Service the book, launch products and run MGA programs on one core.
Billing & Collections
Collect every premium, settle every commission, on time.
Actuarial Platform
Every assumption versioned, every run reproducible, every sign-off logged — and uncertified data refused.
Customer 360
One view of every policyholder, household and interaction.
We stopped treating every claim the same. The clean ones clear themselves, and our adjusters spend their time where judgement actually matters.
68%
of clean claims now straight-through processed
The challenge. A large multiline P&C carrier handled every claim through the same manual queue regardless of complexity, so straightforward claims waited behind complex ones and fraud was typically caught only after payment. Cycle times were long, leakage was high, and each decision was hard to reconstruct for disputes.With AegisNow. The carrier deployed Smart Claims with confidence-gated auto-adjudication, fraud and SIU scoring, and document intelligence for estimates and loss records — routing clean claims straight through while sending complex cases to specialists with the reasoning attached, all on a tamper-evident evidence chain.
Illustrative scenario; the organisation is described by sector only. No fabricated names, logos or certifications.
P&C Insurance operations, clarified
The questions p&c insurance underwriting, claims and finance leaders ask most.
Resilience built for p&c insurance
See AegisNow mapped to your p&c insurance regulators, lines and workflows in a working environment — in one session.