Regional insurance carrier
Insurance
Insurance software built around the core you already run.
An independent engineering partner for carriers, MGAs, brokers and insurtechs. We build, integrate, modernize and support the systems around your policy, claims and billing platforms, across P&C, life, health and specialty lines.
- Independent of ERP and MES vendors
- Your code, your IP
- US · Canada · UK/EU · Middle East · ANZ
New products, states, countries and channels, without a new IT project each time.
Launches in flight
Today's queue · Automation prepares, people decide
- Submission · Harbor LogisticsMissing loss run. Request drafted.Needs approval
- Claim · rear-end collisionPhotos read. Suggested severity: moderate.Adjuster to confirm
- Commission run · March3 differences explained.Finance to approve
- Endorsement · add driverRe-rated and issued.Done
Policyholder self-service
Home insurance
Policy HO-20418
Active · renews 14 Mar
PayDocumentsStart a claim
- Add a driverAgent request · 2 min agoDone
- Claim C-1042Adjuster assignedIn progress
Illustrative screens, not client data.
Who we work with
Every line of business. Every seat in the value chain.
Pick the line you write or the kind of business you run. Each page starts with that segment's workflows, data and regulators.
By line of business
01
Property & Casualty
Personal lines, commercial auto and trucking, property. Rating, FNOL and settlement speed.
- Rating
- FNOL
- Catastrophe surge
02
Commercial & Specialty
Unstructured submissions, referrals and manual underwriting prep.
- Submissions
- Referrals
- E&S
03
Life & Annuity
New business, agent hierarchies, in-force servicing and closed blocks.
- New business
- Commissions
- In-force
04
Health & Benefits
Member and provider service, claims backlogs, eligibility and PHI handling.
- Members
- Eligibility
- PHI
By type of business
01
Carriers
Regional and mid-size insurers launching products beside an established core.
- New products
- API layer
- Modernization
02
MGAs & Program Administrators
New programs, delegated authority and bordereaux that reach the carrier on time.
- Programs
- Bordereaux
- Binders
03
Brokers & Agencies
Quoting across carriers, client portals and commission reconciliation.
- Quoting
- Portals
- Commissions
04
Insurtechs
Series B–D teams scaling a product, a platform or an embedded channel.
- Platform
- Embedded
- Scale-up
Problems we solve
From first quote to final payment, the work we're asked for most.
Six stages of the insurance value chain. Each row names the problem the way your team describes it, and what we typically build to fix it.
Distribution & quoting “Brokers wait days for a quote.” Every new partner or channel means another integration project and another spreadsheet.
What we build
Broker and agent portals, rating and quote APIs, and embedded channel integrations.
Underwriting “Underwriters re-key every submission.” ACORD forms, loss runs and broker emails are typed in by hand before anyone can assess the risk.
What we build
Submission intake and triage, an underwriting workbench, and appetite and referral rules.
Policy & billing “Endorsements and renewals need IT.” A rate change or a new form waits for the next release, and billing exceptions pile up in email.
What we build
Product and rate configuration, billing and commission services, and document generation.
Claims “Simple claims take as long as complex ones.” First notice of loss arrives by phone and email, and every claim waits in the same queue.
What we build
Digital FNOL, claims triage and routing, and an adjuster workbench.
Service “Our team answers the same calls all day.” Policyholders phone for ID cards, documents and claim status because there’s nowhere else to look.
What we build
Policyholder and member portals, mobile apps, and assistants grounded in your guidelines.
Data & reporting “Nobody trusts the same number.” Loss ratios, bordereaux and regulatory reports are assembled by hand from systems that disagree.
What we build
An insurance data platform, bordereaux automation and portfolio dashboards.
AI in the workflow
AI reads the file. Your team makes the calls.
AI reads submissions, claims, applications and statements, checks them against your own rules, and prepares the work. Pick a task to see it on the file.
Illustrative documents, not client data.
Modernize without starting over
No platform to sell. Just the right system for how you work.
Most mid-market insurers can't stop the business for a full core replacement. We build, integrate and modernize around the platform you already run, one contained change at a time.
Platform implementation partnerChapter247
Starts from a vendor's product
Starts from your workflow
Configures within the suite
Builds what the suite doesn't cover
Specializes in one platform
Works across commercial suites, mainframe and homegrown cores
Large program teams
Senior teams sized to the problem
Hands over at go-live
Can build, run and evolve the same system
We are not a Guidewire or Duck Creek implementation partner. We integrate with those platforms and build the systems around them.
-
01
Start contained
One product, channel, process or block of business.
Week 1 -
02
Keep proven systems
Your core stays. We connect around it with APIs and events.
No rip-and-replace -
03
Prove it in production
A scoped release, measured against a baseline set up front.
Measured -
04
Expand on the same foundation
Add the next product, state or process without restarting.
Step by step
- C ClarifyTarget: quote-ready submissions in hours, not days
- L Locate · most effortBroker email, ACORD 125/140, loss runs and re-keying
- E Evaluate · most effortExtraction accuracy tested on your own documents
- A ArchitectReview queue, appetite rules, push to the policy system
- R RoadmapOne line first, then the next, on the same pipeline
Engagement models
Clarity before code. Evidence before scale.
Start small and expand, or bring us in for a defined program. Models can change as the work changes.
01
Discovery sprint
Fixed scope. Map one workflow and agree what to build, with a clickable prototype.
Best forStarting with clarity
02
Fixed-scope project
Defined outcome, timeline and price for a well-understood build or migration.
Best forClear requirements
03
Dedicated team
A cross-functional Chapter247 team on your roadmap, scaling as you need.
Best forOngoing product work
04
Managed support
Maintenance, rate and form changes, and monitoring under agreed service levels.
Best forRunning what's live
Proof
Years inside one insurer's systems. Still growing with them.
Insurance buyers value continuity. Our longest insurance relationship shows what that looks like in practice.
01 / 01
Security & compliance
Built for regulated data from the first sprint.
Insurance systems carry PII, PHI and payment data. These controls are part of how we design, not a review at the end.
01
Data protection
PII, PHI and payment data stay controlled
- PII and PHI masked outside production
- Encrypted in transit and at rest keys in your cloud account
- Data residency matched to your regulators
02
Regulatory experience
Rules carried in the system, not worked around
- HIPAA team experience delivering regulated platforms
- GDPR-aware design for UK and EU clients
- State and line-of-business rules built into the workflow
03
Decision governance
Every automated step explainable to an auditor
- Human review with confidence thresholds and audit trails
- Use-case review for privacy and fairness before go-live
- Regulator expectations including guidance such as the NAIC model bulletin on AI
“Think first. Then build.” is not a delay before delivery. It is how we make delivery more dependable.
Connect
Clarity before code.
We will help clarify the workflows, data, users, risks, and build path before your team commits engineering budget.
- Workflows
- Data
- Users
- Risks
- Build path