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INDUSTRIES › INSURANCE

Intelligence, operationalized for insurance

We help insurers move the numbers that matter: growth, combined ratio, compliance and capital resilience.

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Outcome levers

What do you need to move?

Accelerate growth

GWP & DISTRIBUTION PERFORMANCE

  • Premium & GWP planning by portfolio, product & channel
  • Pricing optimization & elasticity
  • Broker & intermediary performance
  • Policyholder 360 & personalization
  • Renewals & retention (lapse prediction)

Improve profitability

COMBINED RATIO & OPERATIONAL EFFICIENCY

  • Claims automation: FNOL, summarisation, triage
  • Underwriting cycle time: intake & document intelligence
  • Fraud signal detection
  • Expense & combined ratio management
  • Claims handler capacity planning

Sharpen Decisions

UNDERWRITING, RESERVING & STEERING DECISIONS

  • Combined ratio & portfolio steering view
  • Reserving & loss development analytics
  • Driver-based loss & expense forecasting
  • One version of numbers: Solvency II, IFRS 17, management

Manage risk & transform

REGULATED INTELLIGENCE, BY DESIGN

  • Solvency II & IFRS 17 reporting (CSM tracking, disclosures)
  • EU AI Act readiness for pricing & underwriting models
  • DORA operational resilience
  • Model governance, lineage & auditability

Build adaptability

CAPITAL & CAPABILITY RESILIENCE

  • ORSA scenario modelling & stress testing
  • Capital allocation & solvency planning
  • Reinsurance treaty & cession modelling
  • Continuous re-forecasting
  • AI literacy for actuarial & claims teams

A way of thinking, built to compound

We architect your insurance business's intelligence operating system. It compounds with every cycle.

Advise

Frame the path, the ambitions and the value

  • Strategy & roadmap
  • Maturity assessment & diagnostic
  • Use-case & value identification
  • Target operating model
  • Governance, risk & compliance design
  • Change & adoption strategy
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Implement

Turn the plan into a working solution

  • Solution design & prototyping
  • Development & configuration
  • Integration & deployment
  • Testing & QA
  • Security & compliance design
  • Migration & rollout
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Operate

Run, steer and compound the value

  • Managed services & operations
  • Monitoring & support
  • Continuous improvement
  • Performance steering & value management
  • Adoption, training & enablement
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Capabilities

The capabilities behind the outcomes, built for insurance

Built for insurance

Data foundations

  • Unified data: policy, claims & distribution sources
  • Master data: customer, product & broker hierarchies
  • Governance: aligned to Solvency II, IFRS 17 & EIOPA
  • AI-ready pipelines: feeding pricing & risk models

Engines

  • Snowflake
  • Databricks
  • Microsoft
Built for insurance

AI & agentic systems

  • Unified data: policy, claims & distribution sources
  • Master data: customer, product & broker hierarchies
  • Governance: aligned to Solvency II, IFRS 17 & EIOPA
  • AI-ready pipelines: feeding pricing & risk models

Engines

  • Dataiku
  • Anthropic
  • Mistral
Built for insurance

Decision performance

  • Financial planning: intake, triage & review
  • Capital & solvency planning: ORSA & stress testing
  • Close & disclosure: IFRS 17 with CSM tracking
  • Portfolio steering: combined ratio & profitability

Engines

  • Anaplan
  • OneStream
  • Power BI
  • Tableau
  • CCH Tagetik
Built for insurance

Trust & governance

  • Model governance: intake, triage & review
  • EU AI Act readiness: differentiator, not a checkbox
  • DORA alignment: operational resilience built in
  • Data quality: traceable for regulators & auditors

Engines

  • Collibra
  • Alation
  • Informatica
Learn more

THE DESTINATION: HOM™

An intelligent insurer, in your hands

Explore the model

Every engagement builds the three layers of the Human Orchestrated Model™ into your organization, trusted by regulators, actuaries and finance.

Intelligence Foundations

Plan, close and steer combined ratio, capital, IFRS 17 metrics

LEVEL ONE

Human in Command

Underwriters, actuaries & claims run copilots and agentic workflows

LEVEL TWO

Performance Steering

Governed policy, claims & actuarial data with full lineage

LEVEL THREE

FAQ

Understanding how this actually works

A quick look at the frequently asked questions we hear most.

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Don't optimize the present. Compound the future.

One-off optimizations get replaced. An architecture that improves with every cycle does not. Value is moving into the underlying architecture of the organization, and each deployment reinforces the next.

  • Build once
  • Deploy across teams
  • Improve over time