Tools

Computer-vision AI that turns smartphone photos of vehicle or property damage into line-level repair estimates and claims triage in seconds.

The incumbent US auto-claims network. CCC ONE connects 300+ insurance carriers with 25,000+ repair facilities, OEMs, and parts suppliers for estimating, routing, and payments — now with AI features layered in.

Smartphone-to-3D platform: eight photos of a home become a measured 3D model used by carriers, contractors, and adjusters to price property repairs without a site visit.

AI-native RiskOps platform unifying submission intake, underwriting decisioning, and portfolio management on one system. Pitched to carriers and MGAs as an alternative to stitching spreadsheets, PAS, and pricing engines.

Intelligent document-processing platform that extracts structured data from claims forms, medical records, police reports, and underwriting submissions — regardless of format or scan quality. Named a Leader in the 2025 Gartner Magic Quadrant for IDP.

AI platform for insurers focused on claims fraud detection, claims automation, subrogation, and financial-crime detection. 100+ customers across 25 countries; 2 billion claims analysed.

AI-powered texting platform purpose-built for insurance: FNOL, claims status, repair coordination, and policyholder messaging. Embedded in carrier and service-provider workflows via the Hi Marley Insurance Cloud.

Insurance-specific LLM stack (InsurGPT) for document extraction across submissions, claims forms, medical records, and policy documents. Positions itself as the AI-native alternative to modern IDP platforms.

Virtual auto-claims platform: photo-based FNOL, remote appraisals, and claims workflow that carriers white-label. One of the first "photo-first" entrants in US auto claims, founded 2011.

The US property-claims estimating standard. Xactimate is the default estimate-writing tool across structural repair, and XactAnalysis is the claims-workflow layer on top. Subsidiary of Verisk (NASDAQ: VRSK) since 2006.

The incumbent modern claims-administration system for global P&C insurers. Part of Guidewire InsuranceSuite with PolicyCenter and BillingCenter. ClaimCenter governs the full claims lifecycle from intake through closure.

Modern P&C claims-administration platform covering the full claims lifecycle from FNOL to closure. Duck Creek's structural alternative to Guidewire InsuranceSuite; acquired by Vista Equity Partners for $2.6B in 2023.

AI-native property intelligence built on geospatial imagery and computer vision. 50+ insurance and real-estate subscription customers; acquired by Moody's in January 2025 to feed the rater's broader risk-analytics platform.

High-resolution aerial imagery + geospatial analytics for P&C insurers. Acquired by Thoma Bravo in late 2022 for AUD $1.055B; subsequently acquired Betterview (Dec 2023) and itel (2024) to build a property-intelligence platform spanning underwriting and claims.

AI-native property intelligence and risk-management platform for insurers. Applies computer vision to aerial and ground imagery for underwriting, inspection, and claims workflows. Acquired by Nearmap in December 2023; both products now sit inside the Thoma Bravo property-intelligence portfolio.

AI-native actuarial pricing and reserving platform. Machine-learning models automate the GLM pipeline actuaries used to build in SAS or R, with interpretability and regulatory-filing outputs shipped in the product. $120M Series C at a $400M valuation in September 2024.

Real-time rating, pricing, and dynamic decisioning platform for insurers and banks. Deployed alongside Guidewire PolicyCenter and other PAS systems to externalise pricing logic from the core policy system. The modern-rung incumbent in rating-and-pricing.

AI platform for insurance distribution — recommending the right product to the right customer at the agent's or bancassurance teller's point of sale. 15 named European carriers and bancassurance partners in production, headquartered in Paris.

AI-native data platform for commercial insurance underwriting. From a business name and address, Planck generates risk-relevant signals drawn from online images, text, public records, and reviews. Acquired by Applied Systems in a $300M deal.

The incumbent modern policy-administration system for global P&C insurers. Part of Guidewire InsuranceSuite; manages the policy lifecycle from quote through renewal, with configurable product factories, rating integration, and external pricing-engine hooks.

AI-native claims management platform for P&C insurers, MGAs, TPAs, and self-insurers. Ships Clive™, an AI claims adjuster that sits on top of any CMS; Five Sigma's own cloud CMS is available as the underlying rails.

AI-native software suite for personal and commercial claims automation and fraud detection. Automates triage, coverage checks, and document review, accelerating settlement times while flagging fraud signals.

Intake and orchestration platform for insurance operations. Combines document ingestion, enrichment, and workflow orchestration for commercial underwriting, claims, and policy servicing. Strategic backing from Guidewire and Aviva Ventures.

The other modern-rung US auto-claims network, alongside CCC. Processes 50M+ transactions per year across 300+ insurance companies, 30,000+ collision repair facilities, and independent adjusters. Part of Enlyte, the Mitchell/Genex/Coventry parent brand.

AI brain for commercial underwriting. Automates and augments submission review so underwriters spend time on winnable risks; deployed in production at AXIS Capital, Zurich, Generali, Mosaic, and Skyward Specialty. $30M Series B (Jan 2026) with Guidewire and Salesforce Ventures participating.

Risk digitisation and automation platform for commercial insurance. Gives brokers, insurers, and reinsurers programmatic control over how they receive, digitise, and decision inbound risk from trading partners. Acquired by Applied Systems in 2025.

Real-time fraud and risk detection platform for P&C insurers, covering the full policy lifecycle from underwriting risk assessment through claims fraud. 300+ implementations across 45+ countries.

Cloud insurance software across P&C core suite (Policy, Billing, Claims), L&A and group core suite, and digital engagement. Acquired by Thoma Bravo in 2020 at $16/share ($729M); subsequently acquired ClaimVantage to extend into L&A and group.

Intelligent insurance technology provider across P&C, workers' compensation, and L&A. 600+ customers in 30+ countries. Israeli-founded in 1982, Nasdaq-listed through 2025, acquired by Advent International for $2.5B in December 2025.

The incumbent catastrophe-risk-modelling platform for insurers and reinsurers. 400+ models spanning natural and man-made perils across nearly 100 countries; 250+ insurance and financial-services firms on the Intelligent Risk Platform. Acquired by Moody's for $2B in 2021.

Data and analytics platform serving 99% of US personal auto and home insurers with loss history, prior policy verification, motor vehicle records, and underwriting intelligence across auto, home, commercial, and life lines.

Catastrophe-risk modelling platform for insurers, reinsurers, and brokers. 100+ models spanning natural and man-made perils across nearly 100 countries. Founded as Applied Insurance Research in 1987; acquired by Verisk in 2002; rebranded from AIR Worldwide to Extreme Event Solutions in January 2022.

Property data and hazard-risk platform that powers underwriting, claims workflow, and catastrophe modeling for US P&C carriers.

Smartphone and IoT telematics platform that measures driver behavior, reconstructs crashes, and feeds real-time risk scoring into auto insurance underwriting and claims workflows.

Cloud-based agency management system for mid-market and enterprise independent insurance agencies. Manages P&C and benefits operations, policy lifecycle, pipeline, quoting, submissions, accounting, and reporting from a single platform.

Cloud-based agency management system for independent insurance brokers and agents; centralizes policy, accounting, compliance, document management, and client communications.

Next-generation SaaS platform for health-plan core administration, claims adjudication, benefits configuration, and member engagement. Serves 115+ US health plans representing 110+ million covered lives.

Healthcare payer analytics platform for payment integrity, risk adjustment, quality measurement, and clinical decision support. Serves 200+ health plans including all top 25 US plans.

Cloud-native policy-administration platform purpose-built for P&C and specialty insurers. API-first architecture, embedded AI underwriting assistant, policy-lifecycle management, claims, and billing on a single tenant.

AI-native conversational automation platform for insurance carriers: FNOL intake, claims triage, email routing, and end-to-end customer engagement journeys via SMS, email, voice, and web.

Commercial-lines submission exchange and quoting platform for agents, brokers, MGAs, and carriers. Uses AI agents to extract, enrich, score, and route submissions from prospecting to bind.

Commercial-lines appetite and eligibility platform that centralizes carrier appetite, rating, and product eligibility data for distribution partners via API and web interface.

AI-native claims intelligence platform for workers' compensation, auto, and general liability. Predictive models for triage, provider scoring, litigation risk, and fraud detection across the full claims lifecycle.

Global auto-estimating incumbent. Audatex is Solera's US brand for collision/body-shop estimating and AI-powered damage assessment. Part of a broader portfolio including claims triage (Qapter), telematics (Spireon), and contents insurance (Enservio).

Allstate-owned mobility data platform that collects and monetizes billions of miles of driving behavior, selling telematics-based scoring and targeting to auto insurers, automotive OEMs, and retail networks.

Cyber MGA and attack-surface risk platform that automates underwriting via real-time threat intelligence and proprietary loss data, issuing policies without human underwriters.

End-to-end cloud platform for life and annuity new-business workflow, underwriting, policy administration, and producer distribution.

Operating system for life insurance and annuities, combining third-party administration, policy lifecycle management, digital distribution, and CRM/agency tools across a roll-up of legacy vendors.

End-to-end actuarial pricing, modeling, and underwriting workbench. Includes Emblem (predictive modeling), Radar Base (scenario analysis), Radar Live (real-time rate deployment), and Radar Workbench (commercial underwriting portal). Used in P&C (auto, home, commercial) by major carriers. Launched as modern successor to legacy actuarial workflows; Radar 5 (2025) adds generative AI.

Cloud-native SaaS for producer licensing, appointment management, and compliance monitoring — integrates real-time NIPR and FINRA data to automate state regulatory requirements across distribution networks.