Insurance runs on workflows: quote requests, underwriting referrals, policy changes, first notice of loss, claims assignment, renewals and endorsements. Most carriers, MGAs and brokers still move many of these between email, spreadsheets and a core system that was never designed for the exceptions. Insurance workflow automation software routes that work, applies the rules, collects documents and keeps the record.
Workflows worth automating in insurance
- Submission intake: collect broker submissions, extract details from documents, check appetite and route to an underwriter.
- Underwriting referrals: send risks outside authority to a senior underwriter with the full file.
- Claims intake and triage: capture first notice of loss, classify severity, assign an adjuster.
- Policy servicing: endorsements, cancellations and address changes with approvals.
- Renewals: reminders, re-quotes and outstanding document chasing.
- Compliance checks: licensing, sanctions screening and audit trails.
The ten tools at a glance
| Tool | Best for | Type |
|---|---|---|
| Jet Admin | Workflow apps and portals on your existing policy and claims data | AI app builder |
| Guidewire | P&C carriers replacing core systems | Core insurance suite |
| Duck Creek | Cloud core systems for P&C carriers | Core insurance suite |
| Sapiens | Carriers across P&C and life | Core insurance suite |
| Applied Epic | Insurance agencies and brokers | Agency management |
| Vertafore AMS360 | Independent agencies | Agency management |
| Appian | Complex underwriting and claims processes | BPM and low-code |
| Pega | Large-scale claims and customer service | BPM and case management |
| Formstack | Digital forms, documents and e-signatures | Forms and documents |
| UiPath | Automating legacy screens without APIs | RPA and automation |
1. Jet Admin
Jet Admin builds insurance workflow apps on the data you already have: the SQL Server or Postgres database behind a policy system, a core system API, Salesforce, Snowflake or any of 200+ integrations. Describe the workflow, such as "underwriting referrals over $1M go to the senior underwriter with the submission, loss history and broker notes; approvals update the policy record", and Jet builds the intake forms, queues, approval screens and dashboards. You can also give brokers or policyholders a portal where each sees only their own records.
Users are unlimited on every plan. Granular permissions, SSO and audit logs are on the Business plan and above; on-premise and air-gapped deployment are on the Enterprise plan, which matters for carriers that keep policy data inside their own network.
Where it stops: it is not a core policy administration or rating system. It sits on top of the systems you run and handles the workflows around them.
2. Guidewire
Guidewire's PolicyCenter, ClaimCenter and BillingCenter form the core system for many P&C carriers, with configurable workflows inside.
Where it stops: implementations are multi-year programs, and changes often need specialists.
3. Duck Creek
Duck Creek offers cloud-native policy, billing and claims for P&C carriers.
Where it stops: like any core replacement, it is a large undertaking.
4. Sapiens
Sapiens provides core systems across P&C, life and reinsurance.
Where it stops: a core platform decision, not a quick workflow fix.
5. Applied Epic
Applied Epic is a widely used agency management system for brokers, covering policies, clients and accounting.
Where it stops: workflows outside its model need workarounds or add-ons.
6. Vertafore AMS360
AMS360 manages clients, policies and workflows for independent agencies.
Where it stops: built for agencies, not carriers or MGAs with custom processes.
7. Appian
Appian is used by insurers for underwriting workbenches and claims processes with case management.
Where it stops: enterprise pricing and implementation effort.
8. Pega
Pega handles large-scale claims, service and decisioning at big carriers.
Where it stops: cost and complexity suit only large organizations.
9. Formstack
Formstack digitizes forms, generates documents and collects e-signatures for applications and claims.
Where it stops: strong on forms and documents, lighter on end-to-end process logic.
10. UiPath
UiPath automates repetitive work in legacy insurance systems through RPA, now with AI agents.
Where it stops: bots on user interfaces are brittle when screens change.
Which to use
- You want to automate the workflows around your existing systems, without replacing them: Jet Admin.
- You are replacing a core system: Guidewire, Duck Creek or Sapiens.
- You run an agency or brokerage: Applied Epic or AMS360.
- Complex enterprise processes and case management: Appian or Pega.
- Forms and documents are the bottleneck: Formstack.
- Legacy screens with no API: UiPath.
Frequently asked questions
What is insurance workflow automation?
Software that routes, checks and records insurance processes such as submissions, underwriting, claims and renewals, so fewer steps depend on email and spreadsheets.
Which insurance processes should be automated first?
High-volume, rule-based ones: submission intake, claims triage, renewals and simple policy changes.
Do I need to replace my core system to automate workflows?
No. Many workflows can be automated on top of the existing system through its database or API.
How does AI help in insurance workflows?
By extracting data from submissions and claim documents, classifying and routing work, and drafting correspondence, with people approving decisions.
Automate around the systems you already run
Start with Jet Admin for free and build an underwriting or claims workflow on your own data.