Quick Overview
- 1#1: Guidewire InsuranceSuite - Comprehensive P&C insurance platform providing policy administration, claims management, billing, and digital customer engagement.
- 2#2: Duck Creek OnDemand - Cloud-native P&C core system suite for policy, claims, billing, reinsurance, and analytics.
- 3#3: EIS Suite - Modern, AI-powered P&C insurance platform for policy administration, claims processing, and product innovation.
- 4#4: Majesco P&C Platform - Cloud-based P&C insurance software enabling rapid product launches, policy management, and omnichannel experiences.
- 5#5: Sapiens CoreSuite for P&C - End-to-end modular P&C insurance solution for policy administration, claims, billing, and reinsurance.
- 6#6: OneShield Dragon - Configurable P&C insurance platform supporting multi-line policy administration and claims management.
- 7#7: Oracle Insurance Policy Administration - Enterprise-grade policy administration system designed for complex P&C insurance operations and compliance.
- 8#8: Applied Epic - Cloud-based agency management system for P&C insurance agencies handling quoting, policy management, and client servicing.
- 9#9: Vertafore Sagitta - Robust agency management software for independent P&C insurance agencies with automation and reporting tools.
- 10#10: ClaimVantage - Modern claims management platform for P&C insurers featuring AI-driven adjudication and workflow automation.
Tools were ranked based on depth of functionality (policy, claims, billing, etc.), user experience, scalability, compliance readiness, and overall value, ensuring they meet the demands of today’s dynamic P&C insurance environment.
Comparison Table
P&C insurance software is critical for modern operations, and this comparison table examines key tools including Guidewire InsuranceSuite, Duck Creek OnDemand, EIS Suite, Majesco P&C Platform, Sapiens CoreSuite for P&C, and more. Readers will discover each solution's unique capabilities, integration strengths, and suitability for diverse business needs, simplifying the process of selecting the right software.
| # | Tool | Category | Overall | Features | Ease of Use | Value |
|---|---|---|---|---|---|---|
| 1 | Guidewire InsuranceSuite Comprehensive P&C insurance platform providing policy administration, claims management, billing, and digital customer engagement. | enterprise | 9.7/10 | 9.9/10 | 8.2/10 | 9.0/10 |
| 2 | Duck Creek OnDemand Cloud-native P&C core system suite for policy, claims, billing, reinsurance, and analytics. | enterprise | 9.2/10 | 9.5/10 | 8.7/10 | 8.9/10 |
| 3 | EIS Suite Modern, AI-powered P&C insurance platform for policy administration, claims processing, and product innovation. | enterprise | 8.6/10 | 9.2/10 | 7.9/10 | 8.3/10 |
| 4 | Majesco P&C Platform Cloud-based P&C insurance software enabling rapid product launches, policy management, and omnichannel experiences. | enterprise | 8.7/10 | 9.2/10 | 8.1/10 | 8.4/10 |
| 5 | Sapiens CoreSuite for P&C End-to-end modular P&C insurance solution for policy administration, claims, billing, and reinsurance. | enterprise | 8.6/10 | 9.1/10 | 7.7/10 | 8.2/10 |
| 6 | OneShield Dragon Configurable P&C insurance platform supporting multi-line policy administration and claims management. | enterprise | 8.3/10 | 8.7/10 | 7.6/10 | 8.0/10 |
| 7 | Oracle Insurance Policy Administration Enterprise-grade policy administration system designed for complex P&C insurance operations and compliance. | enterprise | 8.0/10 | 8.7/10 | 7.2/10 | 7.5/10 |
| 8 | Applied Epic Cloud-based agency management system for P&C insurance agencies handling quoting, policy management, and client servicing. | specialized | 8.2/10 | 9.1/10 | 7.4/10 | 7.8/10 |
| 9 | Vertafore Sagitta Robust agency management software for independent P&C insurance agencies with automation and reporting tools. | specialized | 8.0/10 | 9.0/10 | 6.5/10 | 7.5/10 |
| 10 | ClaimVantage Modern claims management platform for P&C insurers featuring AI-driven adjudication and workflow automation. | specialized | 8.1/10 | 8.5/10 | 8.0/10 | 7.6/10 |
Comprehensive P&C insurance platform providing policy administration, claims management, billing, and digital customer engagement.
Cloud-native P&C core system suite for policy, claims, billing, reinsurance, and analytics.
Modern, AI-powered P&C insurance platform for policy administration, claims processing, and product innovation.
Cloud-based P&C insurance software enabling rapid product launches, policy management, and omnichannel experiences.
End-to-end modular P&C insurance solution for policy administration, claims, billing, and reinsurance.
Configurable P&C insurance platform supporting multi-line policy administration and claims management.
Enterprise-grade policy administration system designed for complex P&C insurance operations and compliance.
Cloud-based agency management system for P&C insurance agencies handling quoting, policy management, and client servicing.
Robust agency management software for independent P&C insurance agencies with automation and reporting tools.
Modern claims management platform for P&C insurers featuring AI-driven adjudication and workflow automation.
Guidewire InsuranceSuite
enterpriseComprehensive P&C insurance platform providing policy administration, claims management, billing, and digital customer engagement.
Unified data model providing a single source of truth across policy, claims, billing, and analytics for unparalleled operational efficiency
Guidewire InsuranceSuite is a leading cloud-native platform for property and casualty (P&C) insurers, providing end-to-end solutions including PolicyCenter for policy administration, ClaimCenter for claims management, BillingCenter for billing, and integrated analytics via Analytics and Digital products. It enables carriers to digitize operations, enhance customer experiences, and scale efficiently through a unified data model and low-code configuration tools. Widely adopted by top global insurers, it supports complex regulatory requirements and accelerates innovation via its Marketplace ecosystem.
Pros
- Comprehensive coverage of core P&C processes with seamless integration across modules
- Highly scalable cloud architecture and robust API ecosystem for extensibility
- Proven reliability with market-leading insurers and strong regulatory compliance
Cons
- High implementation costs and long deployment timelines (often 2-3 years)
- Steep learning curve requiring specialized Guidewire expertise
- Premium pricing not suitable for small carriers
Best For
Large P&C insurance carriers pursuing enterprise-wide digital transformation and needing a scalable, configurable platform.
Pricing
Custom enterprise licensing, typically millions annually based on modules, users, and deployment scale; SaaS model available.
Duck Creek OnDemand
enterpriseCloud-native P&C core system suite for policy, claims, billing, reinsurance, and analytics.
Composable architecture enabling seamless mixing of policy, claims, and billing capabilities with low-code extensibility
Duck Creek OnDemand is a leading cloud-native SaaS platform tailored for property and casualty (P&C) insurance carriers, offering a unified suite for policy administration, claims management, billing, and reinsurance. It leverages low-code/no-code tools for rapid configuration and customization, enabling insurers to adapt quickly to market changes without heavy IT involvement. The platform supports end-to-end digital transformation with AI-driven insights, robust integrations, and scalability for high-volume operations.
Pros
- Fully cloud-native SaaS with proven scalability for enterprise carriers
- Powerful low-code/no-code tools for fast customization and deployment
- Comprehensive suite with AI analytics, strong integrations, and regulatory compliance
Cons
- High implementation costs and timelines for complex setups
- Steep learning curve for advanced configurations
- Pricing can be prohibitive for small insurers
Best For
Mid-market to large P&C insurers needing a flexible, scalable SaaS core system with strong customization capabilities.
Pricing
Subscription-based SaaS pricing, custom-quoted per modules/users; typically $500K+ annually for mid-sized deployments.
EIS Suite
enterpriseModern, AI-powered P&C insurance platform for policy administration, claims processing, and product innovation.
Patented Product Factory for no-code configuration of complex, multi-line insurance products
EIS Suite is a cloud-native core administration platform designed specifically for property and casualty (P&C) insurers, providing end-to-end capabilities including policy administration, billing, claims management, and digital customer portals. It features a patented Product Factory that enables rapid, no-code configuration of complex insurance products across multiple lines of business. The suite emphasizes agility, scalability, and integration with modern ecosystems like AI, analytics, and third-party services to support personalized customer experiences and faster time-to-market.
Pros
- Exceptional product configurability via the no-code Product Factory
- Robust support for multi-line P&C operations and scalability
- Strong integration capabilities with AI, telematics, and analytics tools
Cons
- Steep implementation timeline and costs for large-scale deployments
- Learning curve for full utilization of advanced configuration tools
- Less ideal for very small insurers due to enterprise focus
Best For
Mid-to-large P&C insurers needing a flexible, scalable platform for rapid product innovation and digital transformation.
Pricing
Custom enterprise pricing, typically SaaS subscription starting at $500K+ annually based on modules, users, and scale.
Majesco P&C Platform
enterpriseCloud-based P&C insurance software enabling rapid product launches, policy management, and omnichannel experiences.
Product Factory for rapid, no-code configuration and acceleration of new insurance product launches
Majesco P&C Platform is a cloud-native SaaS solution tailored for property and casualty (P&C) insurers, offering end-to-end core system capabilities including policy administration, claims management, billing, and reinsurance. It enables insurers to modernize operations with microservices architecture, low-code configuration, and AI-driven insights for faster product launches and improved efficiency. The platform supports multi-line P&C business with strong digital engagement tools for agents and customers.
Pros
- Comprehensive P&C-specific modules with low-code product configuration
- Scalable cloud architecture supporting high volumes and integrations
- Advanced AI and analytics for claims automation and risk management
Cons
- Enterprise-level pricing can be prohibitive for smaller carriers
- Implementation timelines often extend 12-18 months
- Customization requires specialized expertise
Best For
Mid-to-large P&C insurers aiming to replace legacy core systems with a modern, agile SaaS platform.
Pricing
Custom subscription-based SaaS pricing, typically starting at $500K+ annually based on policy volume and modules; quotes required.
Sapiens CoreSuite for P&C
enterpriseEnd-to-end modular P&C insurance solution for policy administration, claims, billing, and reinsurance.
Model-driven architecture enabling rapid, low-code customization across the insurance lifecycle
Sapiens CoreSuite for P&C is a comprehensive, cloud-native insurance platform tailored for property and casualty lines, providing end-to-end automation for policy administration, claims processing, billing, and reinsurance management. It leverages AI, analytics, and low-code tools to enable insurers to configure workflows rapidly without extensive coding. The suite supports multi-line operations and digital customer engagement, helping carriers streamline operations and improve agility.
Pros
- Robust end-to-end P&C functionality covering policy, claims, and billing
- AI-powered analytics and automation for faster decision-making
- Highly configurable low-code platform scalable for enterprise needs
Cons
- Steep implementation timeline and complexity for initial setup
- Premium pricing may deter smaller insurers
- User interface can feel dated in some modules despite modernization efforts
Best For
Mid-to-large P&C insurers needing a scalable, integrated platform for complex multi-line operations.
Pricing
Custom enterprise licensing with subscription models; annual costs typically range from $500K+ based on modules, users, and deployment scale.
OneShield Dragon
enterpriseConfigurable P&C insurance platform supporting multi-line policy administration and claims management.
Low-code configuration engine enabling product agility without developers
OneShield Dragon is a cloud-native SaaS platform tailored for property and casualty (P&C) insurance carriers, providing comprehensive policy administration, billing, claims management, and reinsurance modules. It features a low-code configuration engine that allows insurers to customize products and workflows without heavy coding, supporting multi-line operations across personal, commercial, and specialty lines. The solution emphasizes scalability, API-first integrations, and rapid deployment to modernize legacy systems.
Pros
- Highly configurable low-code/no-code platform for quick customizations
- Robust P&C-specific functionality including advanced rating and reinsurance
- Strong API ecosystem for seamless third-party integrations
Cons
- Lengthy implementation timelines for complex setups
- Higher cost structure less ideal for small carriers
- Steep learning curve for non-technical users
Best For
Mid-market to enterprise P&C insurers needing flexible, scalable core systems with strong customization.
Pricing
Enterprise quote-based pricing; typically $500K+ annually depending on modules, users, and deployment scale.
Oracle Insurance Policy Administration
enterpriseEnterprise-grade policy administration system designed for complex P&C insurance operations and compliance.
Event Factory rules engine for dynamic, no-code policy configuration and automation
Oracle Insurance Policy Administration (OPA) is a comprehensive enterprise platform for property and casualty (P&C) insurance, managing the full policy lifecycle from quoting and underwriting to billing, endorsements, renewals, and cancellations. It supports personal, commercial, and specialty lines with a highly configurable rules engine and multi-channel distribution capabilities. Integrated within the Oracle ecosystem, it enables seamless data management and analytics for large-scale operations.
Pros
- Scalable architecture handles high-volume transactions for global insurers
- Advanced rules-based engine allows code-free configuration
- Strong integration with Oracle Financial Services and analytics tools
Cons
- Complex implementation often takes 12-24 months
- High upfront and ongoing costs
- Steep learning curve requires specialized expertise
Best For
Large enterprise P&C carriers with complex, high-volume policy needs and existing Oracle infrastructure.
Pricing
Custom enterprise licensing; typically $500K+ annually depending on modules, users, and deployment scale.
Applied Epic
specializedCloud-based agency management system for P&C insurance agencies handling quoting, policy management, and client servicing.
Built-in comparative rater with direct carrier APIs for instant multi-carrier quotes and bind capabilities
Applied Epic is a comprehensive cloud-based agency management system tailored for property and casualty (P&C) insurance agencies, offering end-to-end automation for quoting, policy management, billing, claims processing, and client servicing. It integrates deeply with major carriers and supports multi-line operations across commercial, personal, and benefits lines. The platform emphasizes workflow automation, data analytics, and mobility to enhance agency efficiency and client engagement.
Pros
- Extensive carrier integrations and comparative rater for real-time quoting
- Robust automation tools that streamline the entire policy lifecycle
- Scalable for growing agencies with strong reporting and analytics capabilities
Cons
- Steep learning curve due to its depth and customization options
- High implementation and ongoing costs
- Occasional performance lags with large datasets
Best For
Mid-sized to large P&C agencies needing a powerful, integrated platform for complex workflows and carrier connectivity.
Pricing
Custom quote-based pricing; typically $100-$300 per user/month plus implementation fees, scaled by agency size and modules.
Vertafore Sagitta
specializedRobust agency management software for independent P&C insurance agencies with automation and reporting tools.
Sagitta Download Center for automated, real-time policy downloads and endorsements from hundreds of carriers
Vertafore Sagitta is a robust, time-tested agency management system (AMS) designed specifically for property and casualty (P&C) insurance agencies. It offers comprehensive tools for policy management, billing, commissions tracking, client relationship management, and advanced reporting. With strong carrier integrations and automation capabilities, it excels in handling high-volume, complex P&C workflows for mid-to-large agencies.
Pros
- Deep P&C-specific functionality including policy comparisons and ACORD form support
- Extensive integrations with 300+ carriers via the Download Center
- Highly scalable and reliable for large agencies with proven uptime
Cons
- Dated green-screen interface that's not intuitive for new users
- Steep learning curve and complex customization process
- High implementation and ongoing costs
Best For
Mid-to-large P&C insurance agencies with high policy volumes that need powerful, customizable automation over modern usability.
Pricing
Custom subscription pricing based on agency size and revenue, typically $150-$300 per user/month plus significant one-time implementation fees.
ClaimVantage
specializedModern claims management platform for P&C insurers featuring AI-driven adjudication and workflow automation.
AI-powered Virtual Adjuster for intelligent claims routing and low-touch adjudication
ClaimVantage is a cloud-based claims management platform tailored for property and casualty (P&C) insurance carriers, third-party administrators (TPAs), and self-insured organizations. It automates the full claims lifecycle, from first notice of loss (FNOL) intake to resolution, settlement, and reporting, with features like mobile access for adjusters, AI-driven triage, and customizable workflows. The software emphasizes efficiency through integrations with policy systems, telematics, and third-party data sources, helping reduce cycle times and improve accuracy.
Pros
- Powerful mobile app enabling field adjusters to capture photos, videos, and notes in real-time
- AI and automation tools for claims triage, fraud detection, and auto-adjudication
- Comprehensive reporting and analytics dashboards for compliance and performance insights
Cons
- Pricing can be steep for smaller insurers or low-volume users
- Steep learning curve for advanced customizations and configurations
- Limited out-of-the-box support for non-U.S. regulatory environments
Best For
Mid-sized P&C carriers and TPAs needing scalable, mobile-first claims processing with AI automation.
Pricing
Custom quote-based pricing, typically per claim or per user/month starting at enterprise levels (e.g., $10K+ annually).
Conclusion
After reviewing the top P&C insurance software solutions, Guidewire InsuranceSuite emerges as the leading choice, offering a comprehensive platform that unifies policy administration, claims management, billing, and customer engagement. Duck Creek OnDemand and EIS Suite are strong alternatives, with Duck Creek’s cloud-native architecture and robust analytics suited for modern operational needs, and EIS Suite’s AI-driven tools excelling in innovation and efficient claims processing. Each tool caters to distinct requirements, but Guidewire leads as the top performer.
Dive into Guidewire InsuranceSuite to unlock its full capabilities and discover how it can streamline your insurance operations and enhance client experiences.
Tools Reviewed
All tools were independently evaluated for this comparison