Directory of core insurance platform vendors using AI

BriteCore sells a cloud native core platform for property and casualty insurance to mid size carriers and fast growing managing general agents in North America. It covers policy administration, product definition and rating, billing, claims, documents, reporting and agent and policyholder portals, and runs on Amazon Web Services. More than 100 insurers use it, including Allied Trust Insurance, Loudoun Mutual and the Great Bay Insurance Group, and a headless option lets an insurer keep its own front end on top of the core. AI arrived in May 2026 with eight copilots and a Model Context Protocol service layer, through which BriteCore's copilots, carrier built agents and third party agents reach the platform under the same authentication, access controls and audit. A provider layer reaches frontier models, including Anthropic's Claude Sonnet. The September 2026 release added a first notice of loss copilot that takes claims in conversation, a Submission & Quote Copilot that turns applications into quotable policies, an Underwriting Workbench, and the Open Agentic Core, with a Claude Cowork plugin as its first example. BriteCore was founded in 2009 and is based in San Mateo, California.

Duck Creek sells an enterprise core platform that property and casualty insurers run on, and it has built an agentic layer on top of that position. The core suite covers policy, billing, claims, rating, loss control, reinsurance, distribution management and payments, delivered through its OnDemand cloud service on Microsoft Azure, with the company repositioning itself from a system of record to what it calls an intelligent core. The AI line launched on 28 April 2026 as an insurance native agentic platform for deploying, orchestrating and governing agents across the insurance lifecycle, alongside two first applications, an Agentic Underwriting Workbench and an Agentic First Notice of Loss experience. The architecture is described in named layers covering intelligence, orchestration and governance, with traceability and auditability built in and the chief executive stating human in the loop explicitly. Two technical claims are specific: neuro symbolic reasoning as the mechanism letting agents operate inside carrier workflows and regulatory constraints, and a proprietary insurance domain ontology giving them context. Two architectural choices cut against incumbent instinct. The data foundation integrates natively with the company's own systems of record and is stated to support integration with other core systems, meaning a carrier on a competitor's core can still use it. And the gateway layer is an open framework with a marketplace and registry supporting the model context and agent to agent protocols, so agents built by the company, its partners or its customers connect on published standards. Named customers span specialty, global and regional carriers across four continents. The company holds analyst quadrant leader standing and publishes a complete trust surface, including obtainable certification and audit documents and a whitepaper on DORA, the European operational resilience requirements. Founded 2000, headquartered in Boston, and owned by Vista Equity Partners since 2023.

EIS sells EIS OneSuite, a cloud native core platform for policy administration, billing, claims and customer management across property and casualty, life and annuities, group benefits, absence management and pet insurance, running on cloud, on premises or hybrid infrastructure. Since October 2025 OneSuite has been powered by CoreGentic, which embeds AI agents, agentic orchestration and plain language control in the core, grounded in an insurer's own knowledge base and governed by core business rules, permissions and human oversight. ClaimSmart adds machine learning to claims: ClaimGuard scores each claim for fraud risk across hundreds of scenarios, and ClaimPulse automates claims handling from digital first notice of loss. In June 2025 EIS earned ISO/IEC 42001 certification for its AI management system, audited by CPSI Certifications with SOC services from CyberGuard Advantage, and it says it was the first insurance technology provider to do so. The MACH Alliance, which certifies microservices based, application programming interface first, cloud native and headless architecture, has also certified the platform. Named customers include CSAA Insurance Group, AIG Canada, which launched 27 new products in 11 months, esure, Wellfleet, Atlantic American, Renaissance Life & Health, Tokio Marine & Nichido Fire, Sompo Japan, whose ClaimGuard model is trained only on its own data, and Industrial Alliance Auto and Home, live on CoreGentic since January 2026. EIS is headquartered in San Francisco.

FINEOS sells core insurance software to life, accident and health insurers and the employee benefits market. FINEOS AdminSuite runs quote to claim, covering new business, rating, underwriting, policy, billing, claims, absence management, payments and provider management, and can be implemented as a full policy administration system or in components beside an existing one. It counts 7 of the 10 largest employee benefits insurers in the United States among its customers and a 70 percent share of group insurance in Australia, and New Zealand's Accident Compensation Corporation, which handles about 2 million accepted injury claims a year, moved its core claims, payments and provider functions to the FINEOS cloud platform in 2026. AI sits in FINEOS Actionable Data, embedded in the case manager's workspace. Generative AI summarizes incoming documents, automates processes from form contents and flags issues in case documents, and machine learning models triage claims by risk of crossing duration thresholds, identify short term disability claims likely to move to long term disability, predict claim duration and identify long term disability claims likely to settle. Insurers can adjust the level of AI assistance and automation to their own AI policies. Named customers include New York Life Group Benefit Solutions, Aviva, Sun Life Financial, Principal Financial Group, Beneva, Guardian, OneAmerica Financial and MAIB. Founded in Dublin in 1993 by Michael Kelly, FINEOS acquired Limelight Health in 2020 and is listed on the Australian Securities Exchange.

San Mateo headquartered, New York listed provider of a core system suite for property and casualty insurance, serving more than 570 insurers across 43 countries. PolicyCenter, ClaimCenter and BillingCenter form the InsuranceSuite system of record, with InsuranceNow as a separate hosted product for smaller carriers, all delivered through Guidewire Cloud Platform running on Amazon Web Services. Around the core sits an analytics and data line: Explore for near real time business intelligence over suite data, Predict for machine learning models, Compare for claims benchmarking against peer and industry data, Canvas for visualization during catastrophes, and Cyence for cyber risk analytics. The claims models analyze attributes at first notice of loss to identify potentially severe claims early, flag claims with a high likelihood of litigation, surface subrogation recovery opportunities and increase straight through processing on low severity claims. Its 2026 Qusar release introduced an Agentic Framework letting insurers build, deploy and manage insurance specific agents on the cloud platform, with company built agents for claims and underwriting alongside coding and product design assistants, and the company states that insurers can select different models for different business tasks. It has expanded pricing capability by acquisition, buying the Polish dynamic pricing vendor Quantee in April 2025, and is also an investor in and partner of Akur8. Named users include Zurich Insurance, which deployed ClaimCenter in Japan and the United Kingdom and selected Cyence for global cyber risk, plus Nationwide, Mountain West Farm Bureau, Basler and Yuzzu of the AXA group.

Insly sells modular policy administration software to managing general agents, insurers, brokers and claims administrators, built so business teams configure products without code. The product builder pairs a standalone rating engine, or a client's own Excel rater, with underwriting rules, workflows and document templates; distribution runs through broker portals, direct sales and embedded channels; an accounting module keeps a double entry, multi currency ledger; and a claims module works on its own or on the same data. Socrates Systems, a UK platform for specialist insurers that Insly bought in late 2025, still sells under its own name. Brokers get co branded or white labeled portals with permissions down to who can bind which risks, and simple risks bind automatically while the rest are referred to underwriters, with renewals and mid term changes quoted automatically. Under delegated authority, Insly takes in claims by electronic first notice or bordereau import, produces claims bordereaux and feeds loss data back into renewals. Its accounting module raises invoices from policy data, cancels for non payment and logs every user or API action without overwriting earlier entries. Nora is Insly's AI layer, and it can sit on Insly or on a client's existing software. It reads broker submissions in any format, from PDFs and spreadsheets to handwriting, maps the data into the client's template, chases missing information by email or phone and exports the finished file into the policy system, and it answers underwriters' questions from their own underwriting guide with a reference to the section. In the claims portal, an AI chat takes the first notice of loss and hands over to a live agent when needed, and every claim gets an approve, reject or needs review recommendation with a confidence score and the terms and laws it relied on. Risto Rossar founded Insly in 2013, and it is headquartered in London with offices in Tallinn and Warsaw. It reports more than 4,000 brokers on the platform, more than 200 products built, more than €1 billion of gross premium transacted and revenue of €10 million in 2025. Accelerate Underwriting, Ridge Canada, Alta Signa and Encompass are among the managing general agents (MGAs) it names, and it holds ISO 27001 and ISO 27017 certification.

INSTANDA sells a no code policy administration and digital distribution platform to carriers, managing general agents and brokers, and its franchise is product configuration rather than analytics. The premise is that business teams own the product design, distribution and adjustment lifecycle without engineering involvement, defining product structures, rates and customer journeys through configuration rather than code, and the company describes itself as the first and leading no code AI augmented platform in its market. Coverage is deliberately multi line, spanning property and casualty including complex commercial, life and health, and group protection, with the platform positioned as product agnostic rather than tuned to one line. Two AI products launched in 2026 and both are scoped toward the underwriter rather than away from them. INSTANDA MAX arrived in March 2026 for commercial and non admitted lines, allowing tens of thousands of complex assets to be underwritten under a single policy in real time at both portfolio and individual item level, using insurance grade categorization at item level, with a quote and policy query assistant and a wording assistant for clauses and endorsements. The company describes the approach as underwriter first and states the work is patent pending. INSTANDA Clear followed in June 2026, an AI supported underwriting and operations platform aimed specifically at complex cases that require human judgment rather than full automation, addressing work the chief executive describes as still fragmented across emails, spreadsheets and rigid systems, and supporting collaboration with brokers, specialists, coverholders and reinsurers. The platform is built on Microsoft Azure platform services and the company describes itself as fully cloud native. Tenancy is a published buyer choice, multi tenant by default with a dedicated single tenant stack available on request. Security is documented on a dedicated page, with ISO 27001:2022 certification across global operations, a secure software development lifecycle, and continuous protection, and a trust portal is hosted on a third party trust platform. Partnerships extend the estate rather than deepen it, including an integrated offering with ServiceNow announced in February 2026 combining no code policy administration with workflow automation, and a claims partnership with Benekiva. Scale is stated as more than 80 clients whose operations reach more than 150 countries, with Great Plains Casualty among named customers. Case evidence includes a North American technology enabled insurer launching more than 50 specialty products across multiple jurisdictions in two years, and a global reinsurance group launching 30 products with new minimum viable products stood up in eight weeks. Launched in 2015, headquartered in London, privately held, with roughly $45 million raised and about 245 employees.

Insurity sells cloud based core software and analytics to property and casualty insurers, brokers and managing general agents. The core covers policy administration, billing, claims and marine cargo, Ratio Policy AI drafts commercial lines configuration from filings, and more than 500 insurers run its software across more than 400 cloud deployments. The models sit in Insurity Analytics, which brings together Valen Analytics, SpatialKey, Maprisk and DataHouse on a data hub fed by the Valen Data Consortium, $109 billion of pooled premium across standard property and casualty lines. Insurity Predict turns that pool into predictive scores for underwriting and pricing and runs on Amazon Web Services, and UBIC cut quote times from two weeks to 45 seconds with it. The Borealis release added AI enabled self service for policyholders, and Ratio Policy AI rates commercial auto schedules of 30,000 or more vehicles in seconds while underwriters keep judgment, exceptions and approvals.

Keylane sells core administration platforms to European insurers and pension providers: Axon for property and casualty, and Plexus for life and pensions. Axon runs policy, underwriting, billing and claims on one core, with products, pricing and rules configured rather than coded. Underwriting rules apply by product, segment and channel, every decision is recorded with version control and a full trace of the rules used, and claims rules can settle and pay routine claims straight through. Axon Cyber, built with WTW's Radar pricing, packages a cyber product that insurers can launch beside their existing systems. SiteView handles digital claims journeys from first notice through settlement: claims teams configure automated workflows themselves, suppliers and every other party work in one place, digital site visits gather evidence without sending someone to the property, and claims data is analyzed for trends and possible fraud. It runs beside Axon or beside another vendor's core. The AI comes through Keylane Automate, launched in October 2026. It gives insurers a no code environment to build, run and govern AI agents and workflows on the policy, claims and product data in the core, with AI assistance inside Keylane's own screens, prebuilt agents, and governed API and Model Context Protocol (MCP) access for teams building their own. Clients choose the models, add review, confidence and approval steps where they want them, and every decision is logged with the data, model and workflow behind it. Headquartered in Utrecht, Keylane reports more than 550 customers, more than 1,100 employees across the Benelux, DACH, the Nordics and the UK, and more than 37 million policies in production or implementation. Belfius Insurance has run Axon for private and commercial lines since 2016 and moved it onto Keylane's private cloud in 2022, Debeka is implementing Axon for its property and casualty insurer, and Unigarant and Univé are long standing Dutch clients. Keylane runs its own sovereign cloud on European infrastructure and reports ISO 27001 certification and International Standard on Assurance Engagements (ISAE) 3402 Type 2 assurance.

Korint sells a modular core insurance platform to European property and casualty insurers, managing general agents and delegated brokers. Its five modules cover policy administration (Core), quote journeys and broker extranets (Reach), pricing and rules (Engine), claims (Claims) and a set of AI tools. Each runs on its own beside an existing back office or together as the full core. Reach takes a customer from quote through pricing, document checks and electronic signature to a client and broker extranet, on the insurer's own site, white labeled at a partner or inside a broker's extranet. Engine publishes rates as versioned APIs, and it can also call an insurer's existing actuarial engine in real time instead of replacing it. The AI works inside those modules. Agents read incoming documents, carry out servicing tasks such as cancellations and endorsements within a scope the client sets, and score claims for document fraud against a threshold the insurer chooses. An AI Companion answers portfolio questions in plain language and prepares batch tasks such as payment reminders, and a Model Context Protocol (MCP) connector lets a client's own agents read the portfolio and trigger actions. The AI modules can be switched on one at a time or bought on their own. Founded in 2022 and based in Paris, Korint names WTW, Aon, Marsh, Wakam, Yeet and Tutassûr among its customers. It runs on AWS in Ireland and Paris, reports ISO 27001 certification and a SOC 2 Type 2 report, and lists a $10,000 a month Standard Plan on AWS Marketplace.

Majesco sells core insurance and retirement platforms: policy, billing, claims, underwriting, rating, loss control, distribution and benefits administration for property and casualty, life, annuity and health, and retirement and pension providers. Its 2026 acquisition of Vitech added the V3locity retirement and pension administration platform. Majesco serves more than 375 customers, more than 275 of them property and casualty insurers, and 95 percent run on its cloud. AI is built into the platforms rather than sold apart. Majesco Copilot, developed with Microsoft on Azure OpenAI Service, sits inside the products as an assistant, and agents handle bounded tasks such as document and email intake, reconciliation, triage, routing and payment resolution. The Fall '26 release adds shared workspaces where staff and agents work the same case, an Intelligent Underwriting Workbench with automated risk scoring for group and voluntary benefits, and an AI framework with an agent studio, a model catalog and a Model Context Protocol server. Majesco is based in Morristown, New Jersey, and was founded in 1982. It is a Thoma Bravo portfolio company, and CVC Funds took a minority stake when the Vitech acquisition closed in January 2026.

OneShield sells core systems to property and casualty carriers and managing general agents. OneShield Enterprise is a unified policy, billing, rating, claims and reinsurance platform for personal, commercial and specialty lines, and OneShield Market Solutions is a core system delivered as a managed service. Its annual fee covers the software license, maintenance, hosting, support, implementation and a set number of managed service hours, with upgrades shipped monthly. Insurers process more than $20 billion in premiums on its platforms, and OneShield's own teams lead every implementation rather than outside integrators. Its AI Hub is an AI operating system for insurance that gives carriers private access to large language models and agentic tools, works beside OneShield's cores or any other core system and connects through the Model Context Protocol. Its library of insurance agents runs from parsing rate and form filings to triaging claims by predicted severity. A zero data retention agreement with Anthropic, its AI partner, means AI Hub inputs and outputs are never stored, logged or used for training by Anthropic. AI also sits inside the claims products. Market Solutions offers AI powered coverage verification and a Claims Document AI Assistant that summarizes documents, builds timelines and answers questions across large claim files, which the Medical Insurance Exchange of California runs with source linked evidence. Enterprise claims adds AI supported triage and routing. Named customers include PURE Insurance, a client for more than two decades, Erie Insurance, Utica First, Forrest T. Jones & Company, WestCongress, Upland Specialty Insurance and ALPS. OneShield is headquartered in Marlborough, Massachusetts.

Prima Solutions sells policy and claims administration software to French insurers, mutual insurers, provident institutions, bancassurers, wholesale brokers and delegated managers. Prima P&C runs property and casualty products from quote to settlement, with the French inter insurer claims conventions and DARVA exchanges built in, and Prima L&H covers individual and group health, provident and borrower insurance down to commissions, payment schedules and third party payment cards. Business teams configure products, rates and rules without code. Around the two cores sit Prima Distribution, a library of preconfigured components for building quote and subscription journeys; Prima Selfcare, a mobile first portal where policyholders sign, pay, cancel in three clicks and, on fleet policies, add or remove vehicles themselves; Prima Pilot, a handler workstation that pulls tasks from any policy, claims or reinsurance system and distributes them automatically; and Prima Analytics, which cleans portfolio data and simulates rates. The AI comes mostly from partners wired into those products. docTeller reads, classifies and extracts incoming documents in Prima P&C and automates changes such as new bank details or a new address. Tolk's Genii assistant answers policyholders in Selfcare and in quote journeys, and answers handlers in 26 languages from their own company's documentation inside Prima P&C. Prima lists further agent use cases, from document fraud detection to dynamic pricing and incoming email handling, and says its own teams are building models of their own. Founded in 2000 and based in Paris, Prima Solutions is part of Groupe TSS and reports more than 40 clients in more than 11 countries. Allianz France, SMACL Assurances and the MAIF group, La Mutuelle des Motards, La Médicale, Willis Towers Watson, Sanlam Allianz and, since October 2026, Le Finistère Assurance are among the customers it names. Clients run on dedicated private clouds hosted in France or on their own premises, and the company was certified to ISO 27001 in May 2026 by the certification body of the Association française de normalisation (AFNOR).

Root Platform sells an API first core for digital and embedded insurance, used by insurers, managing general agents and the retailers, banks and telecoms that distribute cover. Each product lives as a product module: pricing logic, underwriting rules, policy documents and lifecycle hooks written as code, tested in a sandbox and published through Root's low code Workbench and command line tools. Behind the APIs the platform runs quotes, applications, issuance, policy changes, premium collections, claims, complaints, customer notifications and reporting. Root is built for teams that want to own their products. Starter templates cover lines such as motor and fleet, cyber, travel, small business, pet, household, device and funeral cover. A white labeled sales and policy management portal drops a quote, buy and servicing journey into a partner's checkout, and an add on marketplace connects services such as Stripe, Peach Payments and Nedbank DebiCheck collections, Clickatell text message (SMS), the UK Motor Insurance Database and ComplyAdvantage screening. Data reaches business intelligence tools through a SQL Data Adapter built on AWS Athena, or through scheduled exports. The Claims AI assistant, still in beta, reads claim forms, death certificates and other supporting documents, typed or handwritten, and runs the extracted data against prompts that a client's claims managers write, test on a reference claim and publish for the team. It returns a reasoned approve or reject recommendation and flags risks and missing documents. AI stays off until an administrator enables it for the whole organization and for named roles, and a document is processed only when a user allows it. The recommendation then enters Root's standard claims workflow, in which an assessor recommends an outcome and a supervisor confirms it, and Root says the AI never settles, declines or pays a claim itself. Founded in 2016 by Louw Hopley and Malan Joubert, Root works from London and Cape Town and reports more than 7 million policies in force, more than £50 billion of risk covered and more than 80 live products. Admiral's embedded motor cover runs on Root, from a single itemized monthly bill for Wagonex car subscribers to electric vehicle cover with Octopus EV, and Mr Price, Telkom, Metropolitan GetUp and Guardrisk are among its South African clients. The platform runs on AWS, with a single tenant Private Stack in a region the client chooses, and Root has completed a SOC 2 Type 1 audit.

Sapiens runs the operating systems of more than 600 insurers across 38 countries. It covers a wide spread of lines: property and casualty, workers compensation, and life, pensions and annuities, plus reinsurance, financial and compliance, data and analytics, digital and decision management. Its flagship suites are IDITSuite and CoreSuite, surrounded by pre integrated components for illustrations, applications, underwriting, data and digital engagement. They are delivered on Microsoft Azure, with 5,265 experts behind them. The artificial intelligence line arrived in June 2026 under the name Insurance Agentification. It comprises three agentic products covering claims, underwriting and policy, built on what the company calls a Central Agentic Framework. That framework connects an insurer's core systems to its artificial intelligence strategy through a single governed insurance ontology. The company is explicit that this is not a chatbot layer but automation embedded in underwriting, claims, pricing, risk and billing workflows. That launch came during eighteen months of heavy corporate change. Advent International took the company private in December 2025 for approximately $2.5 billion, delisting it from Nasdaq and the Tel Aviv exchange. The acquirer's stated rationale was to accelerate a stalled shift to software as a service, then move into artificial intelligence. In January 2026 the company cut roughly 700 roles, about a tenth of its workforce, and replaced its entire management. In June 2026 a sovereign wealth fund took a significant minority stake, the global headquarters moved from Israel to central London, and the first AI Customer Experience Lab opened there, with a second planned for the United States. Sapiens was founded in 1982 and was formerly headquartered in Holon, Israel. Formula Systems retains a minority holding. Analyst standing includes a luminary placement for life policy administration in Europe and a top 50 insurance technology provider listing.

Socotra sells a cloud native core insurance platform covering policy administration, billing, rating, document generation and underwriting and operations workbenches, and it competes on architecture rather than on installed base. The design premise is that policy administration is an operating system, and the product is built to that idea: a product agnostic data model, publicly documented open application programming interfaces, modules that can be added, removed or swapped, a marketplace of connected applications, and a single version on which every customer runs, upgraded automatically with no downtime. That last choice is the commercially consequential one, because it means a capability released to one customer is available to all of them at once. The AI work arrived in two named steps. Agentic Configuration launched in October 2025, letting business teams configure and deploy insurance products through natural language rather than code, with claimed effects of halving configuration timelines, reducing development costs by 75 percent and shortening prototype iteration cycles by 90 percent. Socotra Assistant reached general availability on 11 March 2026. It is an underwriting capability embedded in the Operations Workbench that performs intelligent document import, risk assessment insights and automated summaries against live policy and billing data. It supports all products and geographies and is stated to be configurable in one week without coding. The company also publishes a Model Context Protocol server for connecting external agents to the platform, documented for setup against named commercial AI tools. Two governance commitments are published as design principles rather than aspirations, and both are specific. The assistant makes changes or takes actions only with explicit human approval. The model does not learn from an insurer's secure data, and instead learns that insurer's own risk assessment criteria and product workflows. Security disclosure is substantive. The company publishes ISO 27001 certification with its scope stated, a SOC 1 Type II assessment, and GDPR and HIPAA compliance positions. Data is encrypted at rest and in transit with customer specific keys, and penetration testing is regular. Each customer runs in a fully independent production environment. A data processing agreement is published, and an audit log of every configuration change and customer data operation is exposed through an event stream. Scale is the weak side. The company reports more than 70 product launches and 15 migrations for insurers globally across property and casualty and life markets, an order of magnitude below the incumbent core platforms. Founded in 2014 and headquartered in San Francisco, California, the company is privately held, with roughly $50 million raised and investors including Insight Partners.