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Financial Services Insurance

Top 10 Best Claims Handling Software of 2026

Discover top 10 claims handling software to streamline processes. Compare features, find the best fit – start optimizing today.

Min-ji Park

Min-ji Park

Feb 11, 2026

10 tools comparedExpert reviewed
Independent evaluation · Unbiased commentary · Updated regularly
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Efficient claims handling is a cornerstone of insurer success, requiring tools that balance speed, accuracy, and compliance. With a spectrum of solutions—from AI-powered automation to industry-specific platforms—choosing the right software is critical, and this curated list highlights the most impactful options available.

Quick Overview

  1. 1#1: Guidewire ClaimCenter - Comprehensive claims management platform that automates the entire claims lifecycle for property and casualty insurers with AI-driven insights.
  2. 2#2: Duck Creek Claims - Modern, configurable claims processing solution integrating AI, analytics, and workflows to accelerate claims handling.
  3. 3#3: EIS Claims Essential - Integrated claims management system supporting P&C, life, and group insurance with straight-through processing capabilities.
  4. 4#4: Sapiens ClaimsPro - End-to-end claims solution for P&C insurers featuring digital onboarding, automation, and fraud detection.
  5. 5#5: Majesco Claims - Digital claims platform that streamlines adjudication, collaboration, and payments for faster resolutions.
  6. 6#6: OneShield Dragon Claims - Low-code claims management system enabling customizable workflows and multi-line support for insurers.
  7. 7#7: CCC Intelligent Solutions - AI-powered platform optimizing auto claims from first notice of loss through settlement.
  8. 8#8: Symbility Claims - Digital property claims solution for estimation, diagramming, and collaboration between adjusters and contractors.
  9. 9#9: Xactimate - Industry-standard claims estimating software providing accurate pricing and line-item details for repairs.
  10. 10#10: ClaimVantage - Cloud-based SaaS platform specializing in workers' compensation claims management and compliance.

Tools were ranked based on feature depth, usability, scalability, and proven value in streamlining lifecycles, ensuring a focus on both technical excellence and practical benefits for insurers.

Comparison Table

Claims handling software is a cornerstone of efficient insurance operations, streamlining workflows and enhancing accuracy. This comparison table features tools like Guidewire ClaimCenter, Duck Creek Claims, EIS Claims Essential, Sapiens ClaimsPro, Majesco Claims, and more, equipping readers to assess key capabilities, integrations, and operational fit.

Comprehensive claims management platform that automates the entire claims lifecycle for property and casualty insurers with AI-driven insights.

Features
9.8/10
Ease
8.4/10
Value
9.2/10

Modern, configurable claims processing solution integrating AI, analytics, and workflows to accelerate claims handling.

Features
9.5/10
Ease
8.2/10
Value
8.7/10

Integrated claims management system supporting P&C, life, and group insurance with straight-through processing capabilities.

Features
9.2/10
Ease
8.1/10
Value
8.4/10

End-to-end claims solution for P&C insurers featuring digital onboarding, automation, and fraud detection.

Features
9.1/10
Ease
7.6/10
Value
8.0/10

Digital claims platform that streamlines adjudication, collaboration, and payments for faster resolutions.

Features
8.6/10
Ease
7.7/10
Value
8.0/10

Low-code claims management system enabling customizable workflows and multi-line support for insurers.

Features
8.7/10
Ease
7.8/10
Value
8.0/10

AI-powered platform optimizing auto claims from first notice of loss through settlement.

Features
9.2/10
Ease
7.8/10
Value
8.0/10

Digital property claims solution for estimation, diagramming, and collaboration between adjusters and contractors.

Features
8.5/10
Ease
7.2/10
Value
7.5/10
9Xactimate logo8.7/10

Industry-standard claims estimating software providing accurate pricing and line-item details for repairs.

Features
9.4/10
Ease
7.1/10
Value
8.2/10
10ClaimVantage logo8.2/10

Cloud-based SaaS platform specializing in workers' compensation claims management and compliance.

Features
8.5/10
Ease
8.0/10
Value
7.8/10
1
Guidewire ClaimCenter logo

Guidewire ClaimCenter

enterprise

Comprehensive claims management platform that automates the entire claims lifecycle for property and casualty insurers with AI-driven insights.

Overall Rating9.6/10
Features
9.8/10
Ease of Use
8.4/10
Value
9.2/10
Standout Feature

AI-driven intelligent claims triage and Predict analytics for proactive risk assessment and faster resolutions

Guidewire ClaimCenter is a leading claims management platform for property and casualty (P&C) insurance companies, handling the full claims lifecycle from first notice of loss (FNOL) to settlement and subrogation. It offers configurable workflows, AI-powered triage, fraud detection, and advanced analytics to optimize claims processing efficiency and accuracy. As a cloud-native solution, it integrates seamlessly with Guidewire's PolicyCenter and BillingCenter for end-to-end insurance operations.

Pros

  • Comprehensive end-to-end claims automation with AI/ML for triage and fraud detection
  • Highly configurable workflows and strong integration with policy/billing systems
  • Robust analytics, reporting, and collaboration tools for complex claims handling

Cons

  • High implementation costs and lengthy deployment timelines (often 12-24 months)
  • Steep learning curve for customization and administration
  • Best suited for large enterprises, less ideal for smaller insurers

Best For

Large P&C insurance carriers managing high-volume, complex claims who need scalable, enterprise-grade automation.

Pricing

Enterprise licensing with custom quotes; typically involves multi-million-dollar implementation fees plus annual subscriptions based on users, claims volume, and modules.

2
Duck Creek Claims logo

Duck Creek Claims

enterprise

Modern, configurable claims processing solution integrating AI, analytics, and workflows to accelerate claims handling.

Overall Rating9.1/10
Features
9.5/10
Ease of Use
8.2/10
Value
8.7/10
Standout Feature

AI-powered straight-through processing for rapid, low-touch claims adjudication

Duck Creek Claims is a cloud-native SaaS platform for property and casualty insurers, managing the full claims lifecycle from first notice of loss to settlement and recovery. It leverages AI, automation, and configurable workflows to accelerate processing, reduce costs, and improve customer satisfaction. The solution supports complex, high-volume claims with features like mobile FNOL, self-service portals, and advanced analytics for fraud detection.

Pros

  • Comprehensive end-to-end claims automation with AI-driven insights
  • Highly scalable and configurable for complex P&C claims
  • Strong integration with policy systems and third-party tools

Cons

  • High implementation costs and timelines
  • Steep learning curve for non-technical users
  • Pricing opaque without custom quotes

Best For

Large P&C insurers handling high-volume, complex claims who need enterprise scalability and deep customization.

Pricing

Custom enterprise pricing, quote-based on modules, users, transaction volume; starts high for full deployment.

3
EIS Claims Essential logo

EIS Claims Essential

enterprise

Integrated claims management system supporting P&C, life, and group insurance with straight-through processing capabilities.

Overall Rating8.7/10
Features
9.2/10
Ease of Use
8.1/10
Value
8.4/10
Standout Feature

Straight-through processing (STP) engine that automates up to 70% of routine claims without human intervention

EIS Claims Essential, from EIS Group, is a modular claims management platform designed specifically for property and casualty (P&C) insurers to handle the full claims lifecycle from first notice of loss (FNOL) to settlement and subrogation. It features automation tools, configurable workflows, and analytics to improve efficiency and reduce cycle times. The solution integrates seamlessly with EIS's policy administration system and supports multi-line claims processing across personal and commercial lines.

Pros

  • Comprehensive automation for FNOL, adjudication, and payments reduces manual intervention
  • Strong integration capabilities with policy systems and third-party tools
  • Robust reporting and analytics for claims insights and compliance

Cons

  • Implementation can be lengthy and resource-intensive for complex setups
  • Higher cost structure suited more for mid-to-large insurers
  • Customization requires technical expertise

Best For

Mid-sized P&C insurers seeking a scalable, integrated claims solution to optimize operational efficiency.

Pricing

Quote-based enterprise pricing; typically $100K+ annually depending on modules, users, and deployment scale.

4
Sapiens ClaimsPro logo

Sapiens ClaimsPro

enterprise

End-to-end claims solution for P&C insurers featuring digital onboarding, automation, and fraud detection.

Overall Rating8.4/10
Features
9.1/10
Ease of Use
7.6/10
Value
8.0/10
Standout Feature

AI-powered Virtual Claims Adjuster for intelligent triage and automated decisioning

Sapiens ClaimsPro is a comprehensive claims management platform designed for property and casualty insurers, handling the full claims lifecycle from first notice of loss (FNOL) to settlement and subrogation. It leverages AI, automation, and analytics to streamline adjudication, fraud detection, and customer interactions through digital portals. The solution integrates seamlessly with core policy systems for efficient end-to-end operations.

Pros

  • Robust AI-driven automation for faster claims processing
  • Strong integration with Sapiens' policy administration suite
  • Advanced analytics and fraud detection capabilities

Cons

  • Complex initial setup and customization
  • Steep learning curve for non-technical users
  • Higher cost suitable mainly for mid-to-large enterprises

Best For

Mid-to-large property and casualty insurers needing scalable, AI-enhanced claims management integrated with existing insurance ecosystems.

Pricing

Custom enterprise pricing, typically annual subscription starting at $100,000+ based on users, volume, and modules.

5
Majesco Claims logo

Majesco Claims

enterprise

Digital claims platform that streamlines adjudication, collaboration, and payments for faster resolutions.

Overall Rating8.2/10
Features
8.6/10
Ease of Use
7.7/10
Value
8.0/10
Standout Feature

AI-powered straight-through processing that automates up to 70% of low-complexity claims without human intervention

Majesco Claims is a cloud-native claims management platform tailored for property and casualty (P&C) insurers, automating the full claims lifecycle from first notice of loss (FNOL) to settlement and subrogation. It leverages AI, machine learning, and analytics to enable straight-through processing, fraud detection, and predictive insights for faster, more accurate claims handling. The solution integrates deeply with Majesco's policy administration system and third-party tools, providing a unified digital experience for adjusters, policyholders, and vendors.

Pros

  • Advanced AI/ML for fraud detection and auto-adjudication, reducing cycle times significantly
  • Seamless integration with policy systems and low-code configuration for flexibility
  • Robust analytics and reporting for claims performance insights

Cons

  • Steep learning curve for non-technical users due to its enterprise complexity
  • Pricing is opaque and geared toward mid-to-large insurers, less ideal for SMBs
  • Customization requires professional services, adding to implementation time

Best For

Mid-sized to large P&C insurers seeking a scalable, integrated claims platform with AI capabilities.

Pricing

Custom enterprise subscription pricing; starts at $100K+ annually based on users, modules, and deployment scale—contact for quote.

6
OneShield Dragon Claims logo

OneShield Dragon Claims

enterprise

Low-code claims management system enabling customizable workflows and multi-line support for insurers.

Overall Rating8.2/10
Features
8.7/10
Ease of Use
7.8/10
Value
8.0/10
Standout Feature

Patented Dragon Model for rapid, no-code configuration of complex claims rules and processes

OneShield Dragon Claims is a robust, cloud-based claims management platform tailored for property and casualty (P&C) insurers, handling the full claims lifecycle from first notice of loss (FNOL) to settlement and subrogation. It leverages a model-driven architecture for highly configurable workflows, automation, and rules-based processing to improve efficiency and compliance. The solution integrates seamlessly with policy administration systems and third-party tools, supporting complex claims scenarios with analytics and AI-driven insights.

Pros

  • Highly configurable low-code platform for custom workflows
  • Advanced analytics, AI triage, and reporting capabilities
  • Scalable integrations with core insurance systems

Cons

  • Steep initial setup and learning curve for full customization
  • Premium pricing less ideal for small insurers
  • Primarily optimized for P&C lines, limited multi-line flexibility

Best For

Mid-to-large P&C insurance carriers needing enterprise-scale claims automation and configurability.

Pricing

Custom quote-based SaaS subscription; typically scales with users, claims volume, and selected modules (starting around $100K+ annually for mid-sized deployments).

7
CCC Intelligent Solutions logo

CCC Intelligent Solutions

specialized

AI-powered platform optimizing auto claims from first notice of loss through settlement.

Overall Rating8.5/10
Features
9.2/10
Ease of Use
7.8/10
Value
8.0/10
Standout Feature

CCC Pathways AI-driven network that automates repair guidance and matches vehicles to optimized repair methods for faster, more accurate claims resolution

CCC Intelligent Solutions, through its flagship CCC ONE platform, provides comprehensive claims handling software tailored for the property and casualty insurance industry, particularly auto claims. It enables streamlined workflows for damage appraisal, repair estimating, parts ordering, total loss valuation, and payment processing using AI-driven insights and vast industry data. The solution integrates seamlessly with insurers, repair shops, and suppliers to accelerate claims cycles and reduce costs.

Pros

  • Extensive database of VIN-specific repair data and parts matrices for highly accurate estimates
  • Robust AI and analytics for fraud detection, cycle time optimization, and predictive insights
  • Strong mobile capabilities and integrations with major insurers and OEMs

Cons

  • Steep learning curve for new users due to feature depth
  • Enterprise pricing can be prohibitive for small repair shops
  • Occasional dependency on internet connectivity for real-time data

Best For

Mid-to-large insurers, collision repair networks, and appraisers managing high-volume auto claims.

Pricing

Custom enterprise subscriptions; typically $5,000+ per month based on users, modules, and volume, with tiered plans.

8
Symbility Claims logo

Symbility Claims

specialized

Digital property claims solution for estimation, diagramming, and collaboration between adjusters and contractors.

Overall Rating7.9/10
Features
8.5/10
Ease of Use
7.2/10
Value
7.5/10
Standout Feature

Seamless integration with CoreLogic's aerial imagery and property data for automated, highly accurate roof and building measurements.

Symbility Claims, from CoreLogic, is a cloud-based claims management platform designed for property insurance adjusters to streamline damage assessments and estimating. It enables field adjusters to capture photos, videos, and notes via mobile apps, generate detailed line-item estimates using a vast pricing database, and collaborate in real-time for faster settlements. The software integrates with CoreLogic's property data and aerial imagery to enhance accuracy in roof and structure measurements.

Pros

  • Robust line-item estimating with extensive pricing database
  • Mobile app supports offline data capture and syncing
  • Integration with aerial imagery and property intelligence for precise measurements

Cons

  • Steep learning curve for new users due to complex interface
  • Enterprise-level pricing can be prohibitive for smaller firms
  • Occasional sync issues in low-connectivity areas

Best For

Mid-to-large property insurance carriers handling high-volume claims that require accurate, data-driven estimating.

Pricing

Custom enterprise pricing based on user count and volume; typically starts at $100+ per user/month with annual contracts—contact CoreLogic for quotes.

9
Xactimate logo

Xactimate

specialized

Industry-standard claims estimating software providing accurate pricing and line-item details for repairs.

Overall Rating8.7/10
Features
9.4/10
Ease of Use
7.1/10
Value
8.2/10
Standout Feature

Xactimate Sketch: Patented diagramming tool that generates precise area/perimeter calculations from custom roof and room sketches.

Xactimate is a leading cloud-based estimating software from Xactware, specifically designed for property insurance claims handling, enabling users to create precise line-item estimates for restoration and repair costs. It features an extensive, regionally updated pricing database, advanced sketching tools for roofs and structures, and customizable reports that streamline claims adjudication. Widely adopted by insurers, adjusters, and contractors, it integrates with mobile apps and third-party tools to support end-to-end claims processing.

Pros

  • Industry-standard pricing database with frequent regional updates for accuracy
  • Powerful Sketch tool for detailed diagrams and takeoffs
  • Seamless mobile access and integrations with insurer portals

Cons

  • Steep learning curve requiring extensive training
  • High subscription costs that may deter small operations
  • Occasional performance lags with large projects

Best For

Professional insurance adjusters, restoration contractors, and claims teams handling complex property damage estimates.

Pricing

Subscription-based; starts at ~$259/month for Essentials level, up to $1,000+/month for enterprise plans with advanced features.

Visit Xactimatexactware.com
10
ClaimVantage logo

ClaimVantage

specialized

Cloud-based SaaS platform specializing in workers' compensation claims management and compliance.

Overall Rating8.2/10
Features
8.5/10
Ease of Use
8.0/10
Value
7.8/10
Standout Feature

AI-powered claims triage that automatically prioritizes and assigns claims based on complexity and urgency

ClaimVantage is a cloud-based claims management software tailored for insurance carriers, self-insured employers, and third-party administrators, specializing in workers' compensation, liability, and property claims. It automates the full claims lifecycle, from first notice of loss to settlement, with features like mobile apps for adjusters and claimants, AI-powered triage, and advanced analytics. The platform emphasizes rapid claims processing and collaboration to reduce costs and improve outcomes.

Pros

  • Intuitive mobile-first design for field adjusters and claimants
  • Strong automation and AI for claims triage and workflows
  • Comprehensive reporting and analytics for data-driven decisions

Cons

  • Enterprise-level pricing may not suit small businesses
  • Steep initial setup and customization for complex integrations
  • Limited out-of-the-box support for non-workers' comp claim types

Best For

Mid-to-large insurance carriers and self-insured employers handling high-volume workers' compensation claims.

Pricing

Custom quote-based pricing starting around $50,000 annually for mid-sized deployments; enterprise plans scale with users and claims volume.

Visit ClaimVantageclaimvantage.com

Conclusion

Navigating claims handling software, the top three stand out: Guidewire ClaimCenter leads with a comprehensive, AI-driven platform automating the entire lifecycle for property and casualty insurers. Duck Creek Claims follows with a modern, configurable solution integrating AI and analytics to accelerate processing, while EIS Claims Essential shines as an integrated system supporting multiple lines and enabling straight-through processing. These tools highlight diverse innovation, each suited to distinct needs.

Guidewire ClaimCenter logo
Our Top Pick
Guidewire ClaimCenter

Explore the top-ranked options—start with Guidewire ClaimCenter to experience the pinnacle of efficient, automated claims handling, or consider its strong alternatives based on your specific requirements.