Description

A focused course, tailored for you

Building an Insurance Operations Modernisation Programme (Claims + Underwriting + AI)

Build the insurance operations modernisation programme from scratch in 12 weeks. Claims modernisation + underwriting automation + AI integration + regulator engagement.

Insurance carriers running combined-ratio defence are bundling claims modernisation, underwriting automation, and AI integration into a single operations modernisation programme. Managers that own the programme directly own the next combined-ratio improvement cycle. Here is the 12-week build.

$199 one-time

Tailored to your situation. Access within 24 hours. 30-day money-back.

Includes a hand-built implementation playbook delivered alongside course access, generated for your specific situation.

Why this course

Insurance carriers are running multi-year operations modernisation programmes that integrate three workstreams: claims modernisation (faster severity decisions, lower indemnity through better leakage controls, customer-experience improvement), underwriting automation (rate-decision speed, segmentation refinement, AI-augmented appetite), and AI integration (foundation-model use, AI risk-management per NAIC bulletins, Colorado/Connecticut/NY DFS AI rules, and EU AI Act for European exposures).

The three workstreams compete for budget and talent if owned separately. A single integrated programme owns the combined-ratio improvement, the regulator engagement, and the technology platform decisions.

This course teaches the 12-week build of the integrated programme: charter, claims modernisation architecture, underwriting automation framework, AI integration model, regulator engagement (NAIC AI bulletins, state-specific AI rules, EU AI Act), data architecture, talent and operating model, and the executive engagement. Twelve modules with deliverables. Plus a hand-built implementation playbook for your specific carrier context.

What you walk away with

A documented integrated operations modernisation charter.
A claims modernisation architecture.
An underwriting automation framework.
An AI integration model with risk-management overlay.
A regulator engagement framework (NAIC + state-specific + EU AI Act).
A data architecture for integrated operations.
A talent and operating model.
A 12-week build plan.

The 12 modules

Module 1. Insurance operations modernisation landscape 2026

Detailed walkthrough of operations modernisation drivers: combined-ratio defence (top-line, loss-ratio, expense-ratio), claims-cost containment, underwriting-segmentation refinement, AI integration (Colorado SB21-169, Connecticut Bulletin MC-25, NYDFS Circular Letter No. 7, NAIC AI Bulletin model). Peer-carrier modernisation programme status. The interaction of claims, underwriting, and AI workstreams.

Module 2. Integrated programme charter

Build the integrated programme charter: claims + underwriting + AI workstreams under a single governance structure, executive sponsorship (COO + CUO + CCO + CTO + CDO), business-case integration, success criteria across all three workstreams, and the 3-year plan. Three worked integrated charter examples from peer carriers.

Module 3. Claims modernisation architecture

Build the claims modernisation architecture: claims-handling workflow redesign, severity-determination support (AI-augmented), leakage-controls (subrogation, supplier-management, indemnity-leakage), customer-experience integration, and the FNOL-to-close cycle-time model. Three architecture patterns from peer carriers.

Module 4. Underwriting automation framework

Build the underwriting automation framework: rate-decision automation (straight-through-processing target by segment), segmentation-refinement using ML, appetite-management framework, broker-and-MGA integration, and the integration with regulatory rate-and-form filings. Three underwriting automation patterns by line of business.

Module 5. AI integration model and risk-management overlay

Build the AI integration model: foundation-model use cases (claims summarisation, underwriting assistant, customer-service agent, fraud-detection), in-house vs vendor model selection, AI risk-management overlay per NAIC AI Bulletin (governance, risk management, third-party AI, testing, documentation, AI use case inventory), and the model-risk management integration. Three AI integration patterns.

Module 6. Regulator engagement framework

Build the regulator engagement: NAIC AI Bulletin alignment (now adopted by 14+ states), Colorado SB21-169 (unfair discrimination by external consumer data and information sources), Connecticut Bulletin MC-25, NYDFS Circular Letter No. 7, EU AI Act for European exposures (high-risk classification under Annex III), and state-DOI rate-filing AI disclosure. Three regulator engagement playbooks.

Module 7. Data architecture for integrated operations

Build the data architecture: claims-data ingestion (operational + carrier-data + third-party data), underwriting-data ingestion (third-party data, behavioural-data, alternative-data), AI training-data pipeline (privacy-and-compliance-aware), real-time feature serving (for STP underwriting), and the integration across claims and underwriting platforms. Three architecture references.

Module 8. Vendor and technology stack

Build the vendor and technology stack: claims-administration platform (Guidewire, Duck Creek, Insurity, BriteCore, EIS), underwriting-workbench platform (Guidewire PolicyCenter, Duck Creek Policy, Insurity, Indico, hyperscience), AI-platform (Azure OpenAI, Google Vertex, AWS Bedrock, Anthropic Claude, in-house), data-platform (Snowflake, Databricks, BigQuery), and the integration patterns.

Module 9. Talent and operating model

Build the talent and operating model: integrated programme team (claims SMEs, underwriting SMEs, AI engineers, data engineers, regulatory SMEs), claims-handler upskill model (handle-with-AI assistant), underwriter upskill model (underwrite-with-AI assistant), and the change-management model. The model that scales modernisation without quality erosion.

Module 10. Performance measurement framework

Build the performance measurement framework: combined-ratio attribution (modernisation contribution to expense-ratio, loss-ratio, premium-growth), claims metrics (cycle-time, severity, leakage), underwriting metrics (STP rate, hit-rate, rate-adequacy), AI metrics (model performance, drift), and the integrated dashboard. The dashboard that proves the integrated programme's value.

Module 11. Executive engagement and board reporting

Build the executive engagement: COO partnership, CUO partnership (underwriting), CCO partnership (claims), CTO partnership, CDO partnership, CRO partnership (model-risk), CFO partnership (combined-ratio), and the board-of-directors reporting cadence. Lifecycle metrics that the board reads: combined-ratio attribution, AI risk-management posture, regulator engagement status.

Module 12. Your 12-week build plan

Week-by-week plan with weekly deliverables. Weeks 1-2: integrated programme charter + business case. Weeks 3-4: claims modernisation architecture + underwriting automation framework. Weeks 5-6: AI integration model + regulator engagement framework. Weeks 7-8: data architecture + vendor and technology stack. Weeks 9-10: talent and operating model + performance measurement framework. Weeks 11-12: executive engagement + board-of-directors approval. Deliverable: full programme launch pack.

How this addresses your situation

Specific modules that map to what you said you are dealing with.

Module 1 covers the landscape.

Module 2 covers the integrated charter.

Modules 3 to 5 produce claims architecture, underwriting automation, and AI integration.

Modules 6 to 8 cover regulator engagement, data architecture, and vendor stack.

Modules 9 to 11 cover talent, performance measurement, and executive engagement.

Module 12 covers the 12-week build plan.

What you get with this course

The 12-module course delivered as text plus downloadable templates.
Templates for integrated charter, claims modernisation architecture, underwriting automation framework, AI integration model, regulator engagement playbook, data architecture, vendor stack, talent and operating model, performance measurement framework.
A hand-built implementation playbook generated for your specific carrier context.
Three worked examples of integrated operations modernisation programmes at peer carriers.
Scripted talking points for the COO and CUO engagement.

What you will have in hand by Day 1, Week 1, Month 1

Day 1: Integrated programme charter scaffold drafted.

Week 4: Claims + underwriting + AI workstream architectures built.

Week 8: Regulator engagement + data architecture approved.

Week 12: Board-of-directors approval; programme launching.

Before and after

Before

Your carrier runs claims modernisation, underwriting automation, and AI integration as separate workstreams. Budget competes. Talent competes. Regulator engagement is fragmented.

After

Integrated operations modernisation programme is running. Claims, underwriting, and AI workstreams are coordinated. Regulator engagement is unified. Performance is measured against combined-ratio contribution.

What happens if you do not address this

Carriers running fragmented modernisation lose to integrated peers. Regulators (NAIC, state DOIs, EU AI Act) are tightening AI expectations. Combined-ratio defence requires integration.

Who it is for

For Managers, Senior Managers, and Directors at P&C carriers running combined-ratio defence and operations modernisation.

Who this is NOT for. Pure research roles. Firms with no insurance operations. Life and health carriers (this is P&C-specific).

How it arrives

Text-based course via LMS, plus downloadable templates and the hand-built implementation playbook.

Time investment. Roughly 22 hours of reading and 200 to 400 hours of team effort across the 12-week build.

Why $199 is the right number

External insurance modernisation consultants charge $500K-$3M for programme builds. Big4 insurance advisory engagement runs $1M-$5M. Specialist insurance-tech firms charge $300K-$1.5M. $199 buys the focused playbook plus the implementation document for your specific carrier context.

FAQ

Will this replace hiring an insurance modernisation consultant?

Partially. It teaches you the programme build. You may still want specialist input for vendor-selection deep dives.

What if my carrier is mutual (not stock)?

Module 11 covers mutual-carrier governance considerations.

Does this cover the NAIC Climate Risk Disclosure Survey overlap?

Module 6 covers climate disclosure as adjacent regulator engagement.

What about specialty lines (D&O, cyber, marine)?

Module 4 covers specialty-line underwriting variants.

What is in the implementation playbook for me specifically?

An integrated programme charter scaffold tailored to your carrier; architecture decisions matched to your existing tech stack; a 12-week build plan.

30-day money-back guarantee. If after a week of working through the materials this is not what you needed, reply to the receipt email and a full refund is processed. No questions, no forms.

Within 24 hours your account in the learning environment is provisioned and the tailored implementation playbook is delivered alongside it.