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Client Stories

Time to Market Cut by 65% as World’s Largest Insurer Rolls Out New Digital Platform

A leader in mid-market commercial lines insurance, with more than £130bn in assets and over 30,000 employees underwriting £29bn annually. Its primary distribution channel is a broker network via which it offers regional and product specific variations across multiple geographies.


Commercial insurance covering property, casualty, accident, health, reinsurance and life insurance.


The insurer wanted to improve the time taken to roll out new insurance products through its broker portal, enabling flexible risk selection and pricing as well as broker-specific services such as rate changes, co-branding and white labelling. The typical implementation time for new product launches ranged between 28 and 32 weeks: this put pressure on the organization and there was a compelling need to significantly reduce time to market.


Capgemini examined the individual needs of each region and proposed a Component Based Architecture to allow for both common and product specific functionality, designing and implementing a rapid application development platform to provide next generation digital architecture. This would provide the agility needed to create and launch multiple product variations at pace, with common functionality underpinning the capacity to customize and configure broker/underwriter capabilities differently for individual products. The solution also integrated with a different system of record to support premium accounting and regulatory compliance.


The new platform reduced time to market from a minimum of 28 weeks to just 10 weeks, proven when the insurer introduced over 50 products in the UK, French, Spanish, Benelux and South African regions between 2018 and 2020.

The insurer now operates a common platform for brokers and underwriters, eliminating delays in communication and removing the risk of data discrepancies. Brokers and underwriters also have access to a self-service platform, improving efficiency and ease of use, with the insurer gaining the ability to change configuration to accommodate local factors such as language, taxation and other commercial and regulatory issues.