OneShield
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.
Capability Axes
Capability grades
15 of 15 axes rated · 10 graded A or B
OneShield Enterprise and Market Solutions run policy, billing, claims and reinsurance without any model, and the AI Hub is sold as a layer that also works over other vendors' cores. AI adds speed to filings, claims research and underwriting intake rather than carrying the product.
Which agent actions may run unattended is not specified. AI Hub agents are designed, deployed and governed by the insurer's own teams with auditability built in, and the claims document assistant at the Medical Insurance Exchange of California answers adjusters' questions with evidence linked to the exact passage in the claim file, with depth and confidence settings the team controls, leaving the decision with the adjuster.
Accuracy, validation and monitoring figures for the agents are not published. The claims assistant attaches source level evidence to every answer and lets claims teams tune depth and confidence settings, and AI Hub use cases are tied to business measures rather than run as side projects.
Named customers report hard results, though every figure measures the policy platform rather than the AI Hub, which carries no result yet. PURE Insurance cut auto quote time from 15 to 20 minutes to 3 minutes and key entries for an auto quote by more than 70 percent, and grew its book 45 percent with no added resources for policy issuance and mailing.
Forrest T. Jones & Company binds more than 95 percent of eligible policies without an underwriter and takes more than 10,000 online submissions a year on Market Solutions, and Utica First agents reach documents immediately where they once waited 24 hours.
Erie Insurance, WestCongress, Upland Specialty Insurance, ALPS and the Medical Insurance Exchange of California are also named, Hiscox is quoted expecting greater efficiency from the platform, and insurers process more than $20 billion in premiums on it.
Training on customer data is ruled out at the model provider: a zero data retention agreement with Anthropic, OneShield's AI partner, means anything processed through the AI Hub is handled in real time and never stored, logged or reused for training. Customer environments are isolated in dedicated trust zones, so one carrier's data cannot mingle with another's.
The published privacy policy covers visitors rather than the platform, so retention, processing and subprocessor terms for carrier and policyholder data are not set out. The platform side is specific about separation: each customer environment sits in its own trust zone under a patented isolation approach, with unique encryption keys separating each customer's data from OneShield's own.
The auditor and report period are not named, and the report comes only under a nondisclosure agreement. OneShield issues SOC 2 Type II reports covering all five trust services criteria, security, availability, processing integrity, confidentiality and privacy, and runs third party penetration testing and vulnerability scanning of production and internet facing systems.
OneShield supplies software to licensed carriers and holds no license of its own. Its AI Hub library includes an agent that parses and structures filings in the System for Electronic Rates and Forms Filing, the channel carriers use to file rates and forms with state regulators.
Bias testing results and fairness metrics are not published. OneShield has registered under the Cloud Security Alliance AI Controls Matrix, a framework of more than 200 control objectives that include bias mitigation, human oversight and model transparency, and says it was the first insurance software vendor to do so.
A guarantee, indemnity or correction commitment behind an agent's output is absent. Traceability stands in its place: claims answers link to the exact source passage, so an adjuster can check and reject them before acting.
A subprocessor list is not published, and OneShield does not say which of its listed partners handle a carrier's data in a given deployment. Anthropic is named as the AI partner behind the AI Hub, with a zero data retention agreement covering what it processes, and the hub connects other tools through the Model Context Protocol. AWS, Oracle and Okta appear as infrastructure partners, and data and analytics services such as LexisNexis Risk Solutions, Verisk, TransUnion and CoreLogic as solution partners.
OneShield is the system of record rather than a connector: one platform spans policy, billing, claims, rating, relationship management and reinsurance. Named integrations run through customer projects. PURE Insurance pulls driver and vehicle data from LexisNexis into its auto quotes, Forrest T. Jones & Company takes payments through Input 1, Erie Insurance connects its own quote and application system to its policy core through application programming interfaces, and Upland Specialty Insurance syncs party, submission, rating, policy and document data between Market Solutions and its own tools. The AI Hub works with OneShield's cores or any other core through the Model Context Protocol.
Which provider hosts OneShield Cloud, and in which regions data rests, is not stated, though AWS and its Kubernetes service are listed among OneShield's infrastructure partners beside Oracle and Okta. OneShield Cloud is multi tenant with each customer in a dedicated trust zone, encrypted at rest and in transit, and OneShield also maintains on premises software products alongside its cloud and managed service offerings.
A figure, tier or unit of charge is not published for either core or for the AI Hub. Market Solutions is sold on an annual fee that covers the software license, maintenance, hosting, support, implementation and a set number of managed service hours, with no large upfront implementation fee and monthly upgrades included, and new AI capabilities arrive inside that subscription.
Property and casualty carriers and managing general agents are the buyers, and each segment OneShield names has a page of its own: commercial lines, personal lines, excess and surplus, professional liability, managing general agents and program administrators, and insurance startups. Market Solutions adds pages for managing general agents and specialty carriers. The product is built for property and casualty lines only, with no life, health or benefits offering.
Compared With
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Pricing
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