Insurance & InsurTech
Property & casualty carriers face a convergence of pressures that technology alone cannot solve. It requires architecture.
Industry Context
The P&C insurance industry is undergoing its most significant technology transformation in decades. Climate volatility is increasing claims frequency and severity. Regulators are demanding faster, more transparent claims processes. Policyholders expect digital-first experiences. And InsurTech challengers are attacking every link in the value chain.
Yet most carriers operate on core systems that are 15-30 years old. Policy administration, claims management, and underwriting platforms were designed for a different era. They cannot ingest modern data sources, support AI-driven decision-making, or enable the API integrations that distribution partners require.
The carriers that will lead the next decade are the ones investing in AI-powered underwriting, automated claims adjudication, real-time property intelligence, and cloud-native infrastructure today.
How We Help Insurance Organizations
AI Property Intelligence
We design and build platforms that process satellite imagery, inspection reports, public records, and IoT sensor data to generate property risk assessments at scale. These platforms enable carriers to price policies more accurately, identify emerging risks before claims occur, and reduce inspection costs from $300 to under $100 per property.
Claims Automation
Multi-tenant claims processing platforms that automate intake, adjudication, and payout workflows. Natural language processing for automated claims documentation, computer vision for damage assessment, and rules engines for regulatory compliance across all 50 states.
Cloud Migration for Carriers
Insurance-specific cloud migration programs that address the unique requirements of carriers: regulatory data residency, policy administration system integration, catastrophe modeling compute elasticity, and SOC 2 compliance continuity.
Data & Analytics
Unified data platforms that consolidate policy, claims, and external data into a single analytical layer. Real-time dashboards for loss ratio monitoring, reserve adequacy, and portfolio risk exposure.
Key Capabilities
- AI-powered property risk assessment and valuation
- Multi-tenant claims processing platform architecture
- Legacy core system modernization (Guidewire, Duck Creek, Majesco integration)
- Catastrophe modeling infrastructure on elastic cloud compute
- Regulatory compliance automation across jurisdictions
- Telematics and IoT data pipeline design
- Distribution API platforms for agent and broker integration
- Fraud detection and SIU workflow automation
Proof Point
A Top-10 P&C insurance carrier engaged BAG to architect an AI property intelligence platform. We designed the data pipeline, ML model architecture, and multi-cloud infrastructure to process millions of property records from inspections, public data, and satellite imagery.
Results:
- AWS migration with 90% data center footprint reduction in 12 months
- $125M+ net income growth per year post-migration
- AI platform targeting $27M ARR by Year 3
- Property inspection cost reduction from $300 to sub-$100 per property
- Platform designed for 50-state regulatory compliance from day one