Quick Overview
- 1#1: Guidewire InsuranceSuite - Comprehensive cloud-native platform for policy administration, claims management, billing, and analytics in property and casualty insurance.
- 2#2: Duck Creek OnDemand - SaaS-based suite delivering policy administration, claims processing, and reinsurance solutions for general insurers.
- 3#3: EIS Suite - Digital insurance platform focused on policy lifecycle management, underwriting, and claims for P&C carriers.
- 4#4: Majesco P&C Core - Cloud insurance software suite for policy administration, claims, and billing tailored to property and casualty lines.
- 5#5: Sapiens CoreSuite for P&C - End-to-end insurance platform supporting policy management, claims handling, and digital engagement for general insurance.
- 6#6: OneShield Dragon - Flexible policy administration system with modular components for underwriting, billing, and claims in P&C insurance.
- 7#7: Oracle Insurance Policy Administration - Cloud-based policy administration solution for general insurance with strong integration and analytics capabilities.
- 8#8: Insly - All-in-one cloud platform for MGAs and insurers handling policies, claims, and payments in general insurance.
- 9#9: Vertafore - Agency management system for automating quoting, policy management, and compliance in P&C insurance agencies.
- 10#10: Applied Epic - Cloud-based agency management software for commercial and personal lines insurance operations and client servicing.
Tools were evaluated based on their comprehensive feature sets, user experience, technical robustness, and overall value, ensuring they meet the diverse needs of insurers and agencies in modern market conditions.
Comparison Table
Choosing the right general insurance software involves evaluating solutions that meet operational needs, and this comparison table explores key tools—including Guidewire InsuranceSuite, Duck Creek OnDemand, and Sapiens CoreSuite for P&C—to help readers assess capabilities and find the best fit. By examining features, suitability, and unique strengths, users can make informed decisions tailored to their specific insurance workflows.
| # | Tool | Category | Overall | Features | Ease of Use | Value |
|---|---|---|---|---|---|---|
| 1 | Guidewire InsuranceSuite Comprehensive cloud-native platform for policy administration, claims management, billing, and analytics in property and casualty insurance. | enterprise | 9.7/10 | 9.9/10 | 8.2/10 | 9.1/10 |
| 2 | Duck Creek OnDemand SaaS-based suite delivering policy administration, claims processing, and reinsurance solutions for general insurers. | enterprise | 9.2/10 | 9.5/10 | 8.7/10 | 8.8/10 |
| 3 | EIS Suite Digital insurance platform focused on policy lifecycle management, underwriting, and claims for P&C carriers. | enterprise | 8.7/10 | 9.3/10 | 7.9/10 | 8.4/10 |
| 4 | Majesco P&C Core Cloud insurance software suite for policy administration, claims, and billing tailored to property and casualty lines. | enterprise | 8.4/10 | 9.0/10 | 7.8/10 | 8.2/10 |
| 5 | Sapiens CoreSuite for P&C End-to-end insurance platform supporting policy management, claims handling, and digital engagement for general insurance. | enterprise | 8.7/10 | 9.2/10 | 8.0/10 | 8.4/10 |
| 6 | OneShield Dragon Flexible policy administration system with modular components for underwriting, billing, and claims in P&C insurance. | enterprise | 8.2/10 | 8.7/10 | 7.6/10 | 8.0/10 |
| 7 | Oracle Insurance Policy Administration Cloud-based policy administration solution for general insurance with strong integration and analytics capabilities. | enterprise | 7.8/10 | 8.7/10 | 6.9/10 | 7.2/10 |
| 8 | Insly All-in-one cloud platform for MGAs and insurers handling policies, claims, and payments in general insurance. | specialized | 8.2/10 | 8.8/10 | 7.5/10 | 7.9/10 |
| 9 | Vertafore Agency management system for automating quoting, policy management, and compliance in P&C insurance agencies. | enterprise | 8.1/10 | 8.7/10 | 7.2/10 | 7.6/10 |
| 10 | Applied Epic Cloud-based agency management software for commercial and personal lines insurance operations and client servicing. | enterprise | 8.2/10 | 8.9/10 | 7.1/10 | 7.4/10 |
Comprehensive cloud-native platform for policy administration, claims management, billing, and analytics in property and casualty insurance.
SaaS-based suite delivering policy administration, claims processing, and reinsurance solutions for general insurers.
Digital insurance platform focused on policy lifecycle management, underwriting, and claims for P&C carriers.
Cloud insurance software suite for policy administration, claims, and billing tailored to property and casualty lines.
End-to-end insurance platform supporting policy management, claims handling, and digital engagement for general insurance.
Flexible policy administration system with modular components for underwriting, billing, and claims in P&C insurance.
Cloud-based policy administration solution for general insurance with strong integration and analytics capabilities.
All-in-one cloud platform for MGAs and insurers handling policies, claims, and payments in general insurance.
Agency management system for automating quoting, policy management, and compliance in P&C insurance agencies.
Cloud-based agency management software for commercial and personal lines insurance operations and client servicing.
Guidewire InsuranceSuite
enterpriseComprehensive cloud-native platform for policy administration, claims management, billing, and analytics in property and casualty insurance.
Unified platform seamlessly integrating policy administration, claims processing, billing, and analytics for holistic P&C operations
Guidewire InsuranceSuite is a leading cloud-native platform for property and casualty (P&C) insurers, providing an integrated suite of applications including PolicyCenter for policy administration, ClaimCenter for claims management, BillingCenter for billing, and Illumination for analytics. It enables insurers to automate core operations, enhance customer experiences through digital channels, and leverage AI-driven insights for better decision-making. As a top-ranked solution, it supports global scalability and regulatory compliance across diverse insurance lines.
Pros
- Comprehensive end-to-end coverage of policy, claims, billing, and analytics
- Highly scalable cloud architecture with strong AI and low-code customization
- Extensive partner ecosystem and proven track record with top global insurers
Cons
- High implementation costs and lengthy deployment timelines (often 12-24 months)
- Steep learning curve for configuration and administration
- Premium pricing not suitable for small insurers
Best For
Large and mid-sized P&C insurers needing a robust, integrated platform to modernize core systems and drive digital transformation.
Pricing
Custom enterprise subscription pricing upon request; typically ranges from $500K to several million annually based on modules, users, and deployment scale.
Duck Creek OnDemand
enterpriseSaaS-based suite delivering policy administration, claims processing, and reinsurance solutions for general insurers.
Low-code/no-code Suitability Engine for hyper-personalized policy quoting and underwriting automation
Duck Creek OnDemand is a cloud-native SaaS platform tailored for property and casualty (P&C) insurers, delivering comprehensive end-to-end solutions including policy administration, claims management, billing, reinsurance, and analytics. It empowers insurers with low-code/no-code tools for rapid configuration, customization, and deployment, enabling digital transformation without heavy IT involvement. The platform integrates AI, machine learning, and advanced analytics to optimize operations, enhance customer experiences, and support regulatory compliance across the insurance lifecycle.
Pros
- Fully managed cloud-native architecture with automatic upgrades and high scalability
- Comprehensive suite covering policy, claims, billing, and analytics with strong AI integrations
- Low-code configurability and robust API ecosystem for seamless third-party integrations
Cons
- High enterprise-level pricing may deter smaller insurers
- Initial implementation and configuration can require significant time and expertise
- Customization depth may overwhelm users new to low-code platforms
Best For
Mid-to-large P&C insurance carriers seeking a scalable, modern SaaS platform to drive digital transformation and operational efficiency.
Pricing
Custom SaaS subscription model based on policies in force, users, and modules; enterprise pricing starts at six figures annually (contact for quote).
EIS Suite
enterpriseDigital insurance platform focused on policy lifecycle management, underwriting, and claims for P&C carriers.
Low-code Blueprint configuration engine that allows insurers to model and deploy complex products in days rather than months
EIS Suite is a comprehensive core system platform designed specifically for property & casualty (P&C) insurers in the general insurance market. It delivers end-to-end capabilities including policy administration, claims management, billing, reinsurance, and digital customer engagement through configurable components. The platform supports cloud-native deployment and low-code tools to enable rapid customization and scalability for complex insurance operations.
Pros
- Highly configurable low-code architecture for quick adaptations to regulatory changes and new products
- Robust integration capabilities with third-party systems and strong support for multi-line P&C insurance
- Scalable cloud-native platform with advanced analytics and AI-driven insights for claims and underwriting
Cons
- Steep implementation timeline and learning curve for non-technical users
- Premium pricing that may not suit smaller insurers
- Limited out-of-the-box support for non-P&C lines like life insurance
Best For
Mid-to-large P&C insurers seeking a flexible, enterprise-grade core system for digital transformation and operational efficiency.
Pricing
Custom enterprise licensing with annual subscriptions typically starting at $500,000+, based on modules, users, and deployment scale.
Majesco P&C Core
enterpriseCloud insurance software suite for policy administration, claims, and billing tailored to property and casualty lines.
Composable architecture with low-code accelerators for fast product configuration and innovation
Majesco P&C Core is a cloud-native, SaaS-based policy administration system (PAS) tailored for property and casualty (P&C) insurers, managing the full policy lifecycle from quoting and issuance to renewals, billing, and endorsements. It offers high configurability via low-code tools, robust API integrations, and embedded analytics to support digital transformation and multi-line business operations. The platform emphasizes scalability and composability, enabling insurers to accelerate product launches and adapt to market changes efficiently.
Pros
- Highly configurable low-code/no-code platform for rapid customization
- Scalable cloud architecture with strong API-first integrations
- Comprehensive support for multi-line P&C products and embedded analytics
Cons
- Steep learning curve and lengthy implementation for complex deployments
- Premium pricing may deter smaller insurers
- Less intuitive UI compared to some newer entrants
Best For
Mid-sized to large P&C insurers undergoing digital modernization who need a flexible, enterprise-grade core system.
Pricing
Custom enterprise subscription pricing, typically starting at $500K+ annually based on policy volume, users, and modules.
Sapiens CoreSuite for P&C
enterpriseEnd-to-end insurance platform supporting policy management, claims handling, and digital engagement for general insurance.
Low-code IDITSuite platform for rapid, business-user-driven customizations without extensive coding
Sapiens CoreSuite for P&C is a comprehensive, cloud-native insurance platform tailored for property and casualty (P&C) insurers, providing end-to-end automation across policy administration, claims management, billing, reinsurance, and distribution. It leverages AI, low-code tools, and digital capabilities to streamline operations, enhance customer experiences, and support regulatory compliance. Designed for scalability, it enables insurers to modernize legacy systems while integrating seamlessly with third-party ecosystems.
Pros
- Comprehensive end-to-end P&C functionality with strong AI and analytics integration
- Cloud-native architecture for scalability and rapid deployment
- Low-code configuration tools reduce customization costs and time
Cons
- High initial implementation costs and complexity for smaller insurers
- Steep learning curve for non-technical users
- Limited flexibility in highly niche or regional regulatory environments
Best For
Mid-sized to large P&C insurers seeking a scalable, integrated platform to digitize operations and replace legacy systems.
Pricing
Custom enterprise pricing, typically subscription-based starting at $500K+ annually depending on modules, users, and deployment scale.
OneShield Dragon
enterpriseFlexible policy administration system with modular components for underwriting, billing, and claims in P&C insurance.
ReRule™ low-code rules engine for business logic configuration without extensive programming
OneShield Dragon is a SaaS-based policy administration system (PAS) tailored for property and casualty (P&C) insurers in the general insurance sector. It provides end-to-end functionality including policy lifecycle management, billing, reinsurance, and claims integration through a highly configurable, low-code platform. The solution supports multiple lines of business (LOBs) and enables rapid product development and deployment to meet diverse market needs.
Pros
- Highly configurable low-code environment for rapid customization
- Scalable architecture handling high transaction volumes
- Strong integration capabilities with ecosystems like Duck Creek and Guidewire
Cons
- Complex initial implementation requiring significant setup time
- Premium pricing not ideal for small insurers
- Steep learning curve for non-technical users
Best For
Mid-to-large P&C insurers requiring flexible, scalable policy administration for complex multi-line operations.
Pricing
Quote-based enterprise SaaS pricing; typically starts at $200,000+ annually based on modules, users, and deployment scale.
Oracle Insurance Policy Administration
enterpriseCloud-based policy administration solution for general insurance with strong integration and analytics capabilities.
Event-driven rules engine for dynamic, low-code policy administration and real-time adaptability
Oracle Insurance Policy Administration (OIPA) is a comprehensive, enterprise-grade platform for general insurance carriers, managing the full policy lifecycle from quoting and underwriting to issuance, endorsements, renewals, billing, and claims processing. It leverages a powerful rules engine and event-driven architecture to handle complex property & casualty products across personal, commercial, and specialty lines. Deployable on-premises or in the cloud, it integrates deeply with Oracle's ecosystem for enhanced analytics and automation.
Pros
- Highly scalable for large-scale operations with proven performance
- Advanced rules-based engine for rapid product configuration without heavy coding
- Strong integration with CRM, billing, and analytics tools
Cons
- Complex implementation requiring significant time and expertise
- High licensing and customization costs
- Steep learning curve for non-technical users
Best For
Mid-to-large general insurers with complex product needs and existing Oracle infrastructure seeking robust scalability.
Pricing
Custom quote-based enterprise licensing; annual subscriptions typically start at $500K+ depending on modules, users, and deployment.
Insly
specializedAll-in-one cloud platform for MGAs and insurers handling policies, claims, and payments in general insurance.
No-code configurable rating engine that supports complex rules and real-time quoting without developer intervention
Insly is a cloud-based insurance management platform tailored for property & casualty (P&C) insurers, MGAs, and brokers, offering end-to-end automation for policy administration, underwriting, claims processing, and billing. It supports multi-line insurance products with customizable rating engines, reinsurance modules, and robust API integrations for third-party ecosystems. The software emphasizes scalability and compliance across multiple regions, making it suitable for general insurance operations.
Pros
- Highly customizable rating engine for complex products
- Strong multi-currency and multi-language support for international operations
- Comprehensive API ecosystem for seamless integrations
Cons
- Steep learning curve for advanced configurations
- Pricing can be opaque and high for smaller agencies
- Occasional reports of slower customer support response times
Best For
Mid-sized MGAs and insurers handling diverse P&C lines who need scalable, configurable software with global capabilities.
Pricing
Custom quote-based pricing starting around €5,000/month for core modules, scaling with users, products, and add-ons; no public tiered plans.
Vertafore
enterpriseAgency management system for automating quoting, policy management, and compliance in P&C insurance agencies.
Vertafore Exchange, a centralized marketplace offering hundreds of pre-built integrations with carriers, vendors, and tools for seamless ecosystem connectivity.
Vertafore provides a comprehensive suite of insurance agency management software tailored for property and casualty (P&C) lines, including flagship products like AMS360, Sagitta, and PL Rating for quoting, policy administration, and compliance. It enables agencies to manage client data, automate workflows, generate comparative quotes, and handle billing across personal and commercial insurance. With a focus on mid-to-large agencies, Vertafore emphasizes scalability, carrier integrations, and regulatory reporting to streamline operations in the general insurance sector.
Pros
- Robust feature set with strong comparative rating and policy management tools
- Deep integrations with major carriers and a vast app marketplace (Vertafore Exchange)
- Proven reliability for high-volume P&C agencies with excellent compliance support
Cons
- Outdated user interfaces in legacy products like Sagitta, leading to a steeper learning curve
- High implementation costs and customization fees
- Limited mobile accessibility compared to modern cloud-native competitors
Best For
Mid-sized to large independent insurance agencies focused on commercial and personal lines P&C business requiring extensive carrier connectivity.
Pricing
Quote-based pricing; typically starts at $500-$2,000/month per user for core AMS platforms, with additional fees for ratings, integrations, and implementation.
Applied Epic
enterpriseCloud-based agency management software for commercial and personal lines insurance operations and client servicing.
Seamless integration with 500+ insurance carriers via Applied Epic Connect for real-time quoting and policy data exchange.
Applied Epic is a comprehensive cloud-based agency management system (AMS) tailored for property and casualty insurance agencies. It handles end-to-end workflows including client management, policy quoting and issuance, billing, claims processing, and reporting. The platform emphasizes automation, carrier integrations, and data analytics to streamline general insurance operations for brokers and agencies.
Pros
- Extensive carrier integrations (over 500+ partners)
- Robust automation for quoting, binding, and renewals
- Powerful reporting and analytics tools
Cons
- Steep learning curve with complex interface
- High implementation and ongoing costs
- Occasional performance lags with large datasets
Best For
Mid-to-large general insurance agencies with high policy volumes needing deep carrier connectivity and scalable automation.
Pricing
Custom subscription pricing based on agency size, users, and revenue; typically $5,000+ per month for mid-sized agencies with implementation fees.
Conclusion
Evaluating the top general insurance software reveals a landscape of specialized and robust tools, with the top three leading in delivering exceptional value. Guidewire InsuranceSuite takes the top spot, boasting a comprehensive cloud-native platform that integrates policy administration, claims management, billing, and analytics seamlessly for property and casualty insurance. Duck Creek OnDemand and EIS Suite follow closely, offering strong SaaS-based and digital lifecycle management solutions, respectively—excellent alternatives for those prioritizing specific needs like flexibility or streamlined workflows. Regardless of the tool chosen, investing in modern software enhances operational efficiency and agility in a dynamic market.
To unlock the full potential of your general insurance operations, start with Guidewire InsuranceSuite, the top-ranked tool that sets the benchmark for comprehensive, user-friendly solutions.
Tools Reviewed
All tools were independently evaluated for this comparison