Are manual processes slowing you down?
Juggling complex policies, claims, and compliance with outdated spreadsheets is a constant, draining battle for many insurance professionals like you.
These inefficiencies lead to costly errors and regulatory risks, while also slowing down your claims resolution and frustrating your valuable clients.
In today’s competitive market, relying on these old methods means you’re falling behind. You risk losing customers to more agile competitors who respond much faster.
The right P&C software fixes this by helping you streamline your entire workflow from initial underwriting all the way to claims processing.
In this guide, I’m going to review the best property and casualty insurance software. We’ll explore the top platforms that can modernize your agency’s operations.
You’ll discover how to boost your team’s efficiency, strengthen compliance, and ultimately provide a better experience for all your policyholders.
Let’s get started.
Quick Summary:
| # | Software | Rating | Best For |
|---|---|---|---|
| 1 | Guidewire → | Large insurance carriers | |
| 2 | Sapiens → | Global insurers and carriers | |
| 3 | Duck Creek → | Insurers needing agility | |
| 4 | Applied Systems → | Mid-to-large agencies | |
| 5 | Vertafore → | Independent agencies |
1. Guidewire
Struggling with inefficient processes and outdated systems?
Guidewire’s InsuranceSuite, including PolicyCenter, ClaimCenter, and BillingCenter, directly addresses these issues.
You can streamline policy administration, claims, and billing, which is essential to overcome data silos and manual processing hurdles.
It’s time to transform your insurance operations.
Guidewire provides comprehensive P&C insurance solutions designed to drive growth anytime, anywhere. Their platform unifies digital, core, analytics, and AI capabilities delivered as a cloud service.
For instance, InsuranceSuite offers unmatched capabilities for policy administration, claims management, and billing, while InsuranceNow provides an all-in-one cloud platform for rapid implementation. This helps you efficiently manage commercial, personal, and workers’ compensation lines.
You can also leverage advanced analytics products like HazardHub, Predict, and Cyence to enhance risk assessment and pricing, giving you more data and faster quoting, binding, and coverage issuance processes. This boosts efficiency and compliance.
Engage confidently, innovate intentionally, grow efficiently.
Before diving deeper into insurance solutions, you might find my analysis of best asset management software helpful for comprehensive business management.
Key features:
- InsuranceSuite provides integrated solutions for policy administration, claims management, and billing, helping you streamline core P&C insurance operations and reduce manual efforts.
- Advanced analytics tools like HazardHub deliver comprehensive data for improved risk selection and faster, more accurate pricing and underwriting decisions.
- Guidewire Cloud platform offers agility, enabling quicker deployment, reduced downtime, and seamless updates for enhanced scalability and responsiveness.
Learn more about Guidewire features, pricing, & alternatives →
Verdict: Guidewire’s integrated InsuranceSuite and robust analytics make it the best property and casualty insurance software for carriers seeking to boost efficiency, enhance compliance, and accelerate growth by streamlining core operations and improving data-driven decision-making.
2. Sapiens
Is manual processing hindering your insurance business?
Sapiens offers IDITSuite for Property & Casualty, a core solution designed to streamline your complex policy lifecycles.
This configurable and multilingual solution helps you overcome inefficient manual processes, offering a user-friendly web-based interface for efficiency.
Discover intelligent insurance solutions.
Sapiens’ comprehensive, AI-driven solutions accelerate innovation and foster growth. Their IDITSuite for P&C, a 2025 Celent Luminary Award winner for EMEA & APAC, is designed for agility and offers cloud scalability and flexibility for meeting your business goals. You can build new products quickly with pre-packaged solutions, reducing time-to-market. The Sapiens Insurance Platform provides a future-proof, open, and integrated AI-based system that empowers insurers to differentiate and stay ahead, ensuring sustained value and improved compliance.
This platform helps you grow your business.
While we’re discussing industry-specific solutions, understanding patient engagement software is equally important for healthcare providers.
Key features:
- IDITSuite for P&C: A multilingual, multicurrency, and configurable solution with a user-friendly, web-based interface to manage your property and casualty operations efficiently.
- AI-driven innovation: Automation capabilities within their intelligent insurance solutions help you stay ahead in a competitive market and enhance risk assessment.
- Scalability and Flexibility: Cloud-based solutions and an open insurance platform ensure your business can adapt and grow, meeting your evolving business goals.
Learn more about Sapiens features, pricing, & alternatives →
Verdict: Sapiens offers robust, AI-driven solutions like IDITSuite for P&C that address key pain points such as manual processes and compliance. With over 600 customers across 38 countries, Sapiens stands out as a strong contender for the best property and casualty insurance software, enhancing efficiency, and fostering growth.
3. Duck Creek
Are your legacy systems slowing down your insurance business?
You’re likely struggling with inefficient processes and data silos, making it hard to manage policy lifecycles and claims. Duck Creek offers a low-code SaaS suite to tackle these issues.
This software helps you simplify complexity with modern, intelligent, and humanized technology. It’s built for insurers to evolve and innovate faster.
You can redefine your operational efficiency.
Duck Creek’s suite includes policy, claims, billing, and rating modules, streamlining your end-to-end insurance capabilities. These integrated products enhance risk assessment and improve customer satisfaction by providing tools for digital engagement. You can capture ever-changing P&C insurance needs with their low-code tools.
With features like Payments, you can connect to the entire global payments ecosystem for collections and payouts, regardless of your existing IT infrastructure. This simplifies complex finance processes and helps you deploy new products faster, addressing evolving consumer needs and growing distribution channels.
It’s time to humanize experiences.
Speaking of digital engagement, you might find my guide on best email management software helpful for streamlining support and scaling your operations.
Key features:
- Low-Code Configuration: Allows your developers to implement changes quickly without altering core code, speeding up product development and updates.
- Comprehensive Suite: Provides integrated solutions for policy, billing, claims, and rating, simplifying the entire insurance lifecycle from start to finish.
- Digital Engagement: Offers tools for both policyholders and producers, helping you build trust and deliver personalized customer experiences.
Learn more about Duck Creek features, pricing, & alternatives →
Verdict: Duck Creek’s low-code SaaS core systems and comprehensive suite of products make it an excellent choice for the best property and casualty insurance software, addressing challenges like slow claims resolution and inefficient processes. With 1,100+ successful implementations and over 30 million claims processed in the cloud, it helps streamline operations, enhance compliance, and ultimately grow your insurance business.
4. Applied Systems
Struggling with inefficient processes and outdated insurance systems?
Applied Systems offers robust features like Applied Epic, helping you manage your agency efficiently. This includes tools for digital agency transformation, marketing automation, and customer self-service.
Their platform centralizes daily tasks and client interactions, creating a single view of your business. This helps you streamline operations and resolve claims faster.
It’s time to truly innovate.
Applied Systems helps agencies transform daily operations and extend traditional storefronts into online insurance experiences. Their solutions like Applied Epic and EZLynx improve client experience and retention.
The platform offers agency management, marketing automation, and customer self-service options, enhancing your ability to meet customer needs digitally. It also brings the power of Salesforce to your agency for increased sales and marketing.
With capabilities like business intelligence, data analytics, and AI-powered insurance, you gain insights for better risk assessment and superior customer service. This includes personal and commercial lines quoting and application management.
Gain choice and flexibility for innovation.
Key features:
- Digital Agency solutions: Centralize your operations with comprehensive agency management, marketing automation, and customer self-service tools like Applied Epic.
- Business Intelligence & AI: Leverage data analytics and AI tools for faster workflows, increased productivity, and superior customer insights for smarter decision-making.
- Enhanced Customer Experience: Meet customers where they are with mobile apps, self-service portals, and integrated sales tools to improve satisfaction and retention.
Learn more about Applied Systems features, pricing, & alternatives →
Verdict: Applied Systems is a leading choice for best property and casualty insurance software, used by 7 out of 10 of the top agencies on the Business Insurance Top 100 List. Its comprehensive digital agency solutions and AI-powered insights help you achieve greater efficiency, compliance, and profitability.
5. Vertafore
Struggling with complex policy lifecycles and compliance?
Vertafore offers proven solutions like AMS360 and Sircon, designed to manage your agency and enhance client engagement efficiently.
Their AgencyOne platform creates a single, connected experience for independent agencies, bringing together essential tools. It’s time to streamline your operations.
Ready to boost your efficiency?
Vertafore helps you manage your agency with comprehensive systems like AMS360, QQCatalyst, and Sagitta, ensuring smooth operations. You can engage clients effectively using AgencyZoom and InsurLink, strengthening those vital relationships.
Their Sircon suite simplifies credentialing and compliance, covering licensing and distribution management for agencies, carriers, and MGAs. This ensures your business stays compliant and runs smoothly. With solutions like ImageRight and RiskMatch, you gain powerful document management and data analytics to transform your strategy and make informed decisions.
You will gain nearly an hour back in your day.
Before diving deeper, you might find my analysis of best mobile device management software helpful.
Key features:
- Integrated Agency Management: Vertafore provides comprehensive solutions like AMS360 and AgencyOne, offering a single, connected experience to manage and grow your independent agency with ease.
- Client Engagement & Automation: Tools such as AgencyZoom and InsurLink automate sales processes and provide client portals, improving customer satisfaction and fostering stronger relationships for your business.
- Compliance & Distribution Management: Sircon solutions streamline licensing, credentialing, and producer onboarding for agencies, carriers, and MGAs, ensuring regulatory adherence and efficient distribution.
Learn more about Vertafore features, pricing, & alternatives →
Verdict: Vertafore is an excellent choice for best property and casualty insurance software, providing robust solutions across agency management, client engagement, and compliance. With platforms like AgencyOne and Sircon, Vertafore addresses critical pain points by delivering integrated tools that streamline operations and enhance profitability for agencies, carriers, and MGAs.
6. Insurity
Struggling with slow claims or outdated P&C systems?
Insurity’s platform offers a P&C policy administration system that addresses these pain points directly.
I’ve found it simplifies complex policy lifecycles and significantly enhances underwriting for your P&C business. This helps you navigate compliance with ease.
It’s time to streamline your operations.
Insurity’s policy admin software keeps you current with every bureau circular change, processing even the largest policies efficiently. This means your team can handle thousands of locations or vehicles without a hitch.
Their cloud-native, open data analytics platform provides invaluable insights, leveraging the Valen Data Consortium and over 50 third-party data providers. You can launch new products faster and automate premium audits to recover missing premiums.
It really helps your business become more efficient by reducing manual workloads and quickly covering new risks, giving you a competitive edge in your market.
Boost your efficiency and compliance.
Speaking of leveraging data, check out my guide on data fabric software to see how it can unify your hybrid cloud architecture for better insights.
Key features:
- Comprehensive Policy Admin System: Manages bureau-based commercial lines with automated regulatory changes and processes large policies with thousands of locations or vehicles.
- Cloud-Native Analytics Platform: Provides deep insights using the Valen Data Consortium and 50+ third-party data providers for enhanced risk assessment.
- Automated Premium Audit: Streamlines the entire audit process, recovering missing premiums and reducing manual workloads to maximize operational efficiency.
Learn more about Insurity features, pricing, & alternatives →
Verdict: Insurity helps your business improve operational efficiency and compliance by providing a robust, cloud-native platform that automates policy administration, streamlines claims, and offers deep analytics, making it a strong contender for the best property and casualty insurance software.
7. BriteCore
Are inefficient processes holding your insurance business back?
BriteCore, a cloud-native platform, delivers greater productivity and flexibility.
It addresses slow claims and inaccurate underwriting, giving you a modern customer experience and unlocking business growth.
It’s time to truly modernize your operations.
BriteCore helps you operate your daily P&C business from a single, web-based platform, offering a cohesive and consistent experience for all users.
You can instantly access pre-configured dashboards and standard reports, creating custom views to identify new business opportunities or cost savings using AI/machine learning.
Additionally, BriteCore offers powerful low-code tools for rapid product and rating modifications and allows you to spin up new pilot programs and greenfield initiatives quickly with automated cloud deployments. It keeps your team equipped with continuous updates.
You can connect and work from anywhere.
Key features:
- Comprehensive Operations: Manage all P&C operations from a single, web-based platform with integrated core, portal, reporting, and analytics components for a unified experience.
- Data-Driven Insights: Access persona-based executive dashboards, advanced analytics, and reporting with pre-configured options and custom views to find new growth or cost-saving opportunities.
- Flexible Product Rollout: Utilize powerful low-code tools, preset templates, and intelligent workflows for fast product and rating modifications, enabling rapid expansion into new markets.
Learn more about BriteCore features, pricing, & alternatives →
Verdict: BriteCore excels as a top property and casualty insurance software by providing a comprehensive cloud-native solution that streamlines operations, offers data-driven insights, and empowers growth. Its modern platform helps address common pain points like inefficient processes and outdated systems, ensuring compliance and profitability.
8. OneShield
Are you tired of inefficient insurance operations?
OneShield provides systems and strategies designed specifically for Property and Casualty (P&C) insurers and MGAs.
This comprehensive solution streamlines your policy, billing, and claims processes, allowing you to move beyond outdated systems holding you back.
Transition to a future-proof technology foundation.
OneShield offers two platforms: OneShield Enterprise and OneShield Market Solutions, both engineered to help you move at the speed of change. OneShield Enterprise is a cloud-based solution that integrates policy, rating, billing, claims, relationship management, and reporting.
OneShield Market Solutions is a fully managed SaaS policy administration and claims solution, pre-loaded with customizable insurance content and workflows. You can streamline operations, enhance risk assessment, and improve customer satisfaction. Forrest T. Jones successfully modernized core operations, while MIEC is now streaming insurance excellence for medical professional liability insurers with OneShield’s SaaS solution.
You can truly innovate your insurance business.
Key features:
- Comprehensive Core Systems: Integrates policy, billing, rating, and claims to unify your operations and eliminate data silos for enhanced efficiency.
- Digital Distribution Capabilities: Provides robust tools for digital distribution, ensuring you can reach customers and agents effectively through modern channels.
- Flexible Deployment Options: Offers both cloud-hosted OneShield Enterprise and SaaS OneShield Market Solutions, adapting to your specific infrastructure needs.
Verdict: OneShield provides P&C insurers, MGAs, and startups with comprehensive core systems including policy, billing, claims, and relationship management. Its flexible cloud and SaaS offerings, alongside integrations like Verisk’s ISO ERC, make it an ideal choice for the best property and casualty insurance software, helping clients like HAI Group and MIEC achieve streamlined operations and growth.
9. Acturis
Struggling with slow processes and outdated insurance systems?
Acturis delivers digital transformation by providing a comprehensive Software-as-a-Service (SaaS) platform for general insurance. This solution addresses inefficiencies like manual processes and data silos.
This platform helps you become the digital broker, insurer, or MGA you want to be, enabling you to continually improve and scale your business operations. Acturis empowers insurance professionals to overcome these hurdles.
Your future in insurance starts here.
Acturis helps you streamline operations, enhance risk assessment, and improve customer experience. It acts as a trusted platform for brokers, insurers, and MGAs, supporting businesses globally across commercial and personal lines.
The platform facilitates digital trading for insurers, connecting markets and making digital interactions effortless. For MGAs, the tailored tech platform enables your organization to make your mark in chosen markets, offering the agility needed to thrive. With over 100,000 individuals in 40+ countries and £15bn of premium transacted annually in the UK alone, it’s a proven solution.
Acturis’s reliable system maintains over 99.9% availability, ensuring your operations are always online.
Become the digital insurance professional you want to be.
While focusing on digital transformation, understanding how to measure your outreach is crucial. You might find my guide on best marketing analytics tools helpful for this.
Key features:
- Digital Transformation Delivery: Provides a comprehensive SaaS platform to streamline operations for commercial and personal lines broking, insurers, and MGAs.
- Global & Reliable Platform: Powers over 100,000 individuals in 40+ countries with a system availability rate exceeding 99.9% over the last decade.
- Tailored Solutions for Key Players: Offers specific capabilities for brokers, insurers, and MGAs, enabling efficient digital trading and market penetration.
Learn more about Acturis features, pricing, & alternatives →
Verdict: Acturis offers a robust SaaS platform enabling insurance professionals to overcome challenges like inefficient manual processes and outdated systems. Its reliable, tailored solutions for commercial and personal lines, insurers, and MGAs make it a strong contender for the best property and casualty insurance software, driving efficiency and compliance.
Conclusion
Ready to ditch outdated P&C systems?
Choosing the right software is overwhelming. It’s tough when juggling complex policies, compliance demands, and trying to keep all your clients happy.
This constant pressure often leads to costly errors and regulatory risks. The wrong choice doesn’t just waste money; it actively hurts your agency’s growth and damages your reputation with policyholders.
So here’s what I recommend.
From my review, Guidewire stands out as the top choice. Its InsuranceSuite platform directly fixes those manual processing hurdles and outdated systems holding you back.
I was impressed by how its integrated suite unifies core operations, from policy administration to claims. Using the best property and casualty insurance software like this is essential.
I strongly recommend you book a free demo of Guidewire to see firsthand how it can streamline your specific workflows.
It’s a move toward greater profitability.
