Your legacy systems
are costing you tomorrow.

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THE PROBLEM

The systemic challenges costing carriers, MGAs & brokers millions

Legacy environments weren't built for today's speed. Whether you're a carrier, MGA, or broker — every day you wait, competitors widen the gap.

Data Silos

Fragmented information between underwriting, claims, finance, policy administration systems, and agent portals prevents holistic decision-making and kills AI adoption.

Manual Processing

Manual workflows in underwriting and claims drag turnaround times, inflate loss-adjustment expenses, and slow broker response across the policy lifecycle.

Legacy Systems

Decades-old core platforms and brittle integrations block real-time data exchange, throttle product launches, and limit experimentation across the business.

Compliance Burden

Shifting state regulations, audit demands, and reporting overhead consume engineering capacity that should be funding growth and modernization.

OUR APPROACH

End-to-end transformation across the insurance value chain

Five pillars that convert complexity into competitive advantage — for carriers, MGAs, and brokers alike.

Digitize
01
Digitize
Eliminate manual handoffs and paper-based processes. We convert legacy workflows into streamlined digital experiences — from policy issuance to FNOL and reinsurance — that reduce errors and accelerate processing speed.
Automate & Empower Agents
02
Automate & Empower Agents
Modernize policy issuance and claims settlement through intelligent automation. Agent portals with quote-to-bind workflows, commission visibility, and producer dashboards free your team from admin — putting more time into selling, servicing, and growing the book.
Analyze
03
Analyze
Real-time dashboards with visibility into loss ratios, premium trends, producer performance, and specialized reports. Track analytics and utilize reports to identify profitable segments, and optimize pricing.
Optimize
04
Optimize
Continuous optimization processes for speed and efficiency, leading to data-driven decision making and iterative improvements that compound value over time.
Enable Brokers & MGAs
05
Enable Brokers & MGAs
Modernize submission intake, automate quoting workflows, and integrate with carrier portals to reduce submission turnaround. Empower brokers and MGAs to launch programs faster — with full commission visibility, CRM integration, and custom portal builds.

Measurable Impact

20–40%
OPEX Savings
95%
In-good-order rate
25–30%
Testing cycle reduction
25–30%
Deployment speed gain
900%+
WCAG test cases automated

OUR SOLUTIONS

Solutions Across the Insurance Value Chain

From distribution to settlement, Celsior delivers targeted solutions that improve efficiency, accuracy, and growth across every insurance workflow.

Agent & Distribution Experience

Producer enablement, sales visibility, onboarding efficiency

We anchor on agent productivity and sales visibility, delivering streamlined portal workflows and comprehensive producer compensation management.

Policyholder Digital Self-Service

Modern member portals, mobile-first servicing, lower call volume

We build self-service experiences that let policyholders quote, bind, pay, and report claims without picking up the phone — reducing call-center load while raising NPS.

Claims Modernization & FNOL

Faster first notice of loss, straight-through processing, fraud signals

We modernize the claim journey end-to-end — digital FNOL, automated triage, and AI-assisted adjudication — to shrink cycle time and leakage across personal and commercial lines.

Data, Analytics & AI

Executive dashboards, decision support, policy and investment intelligence

We turn fragmented policy, claims, and investment data into trusted executive dashboards and AI-driven insights that support pricing, reserving, and capital decisions.

Cloud & Integration

Legacy modernization, API-first integration, resilient cloud foundations

We migrate carrier platforms to modern cloud foundations and weave APIs across policy, billing, claims, and third-party ecosystems for a connected, resilient stack.
Solution illustration
AGENT PORTAL WORKFLOWS
  • Quote → Submit → Bind workflows
  • Lead capture and onboarding automation
  • Commission visibility and statements portal
  • Omnichannel submission and servicing experiences
PRODUCER COMPENSATION & CHANNEL FINANCE
  • Commission reconciliation and payouts
  • Audit and compliance reporting
  • CRM and billing system integration
Guidewire delivery team

Unmatched Guidewire Expertise

Guidewire Specialist

6+ years. All X-Centers.
Zero shortcuts.

We've partnered with mid to large P&C carriers across the full Guidewire lifecycle — from greenfield implementation support and independent quality assurance to steady state AMS, cloud migrations, and post Big 4 SI transitions.

Guidewire PolicyCenter delivery team
PolicyCenter

Rapid Product Launches

Policy lifecycle management, rules configuration, endorsements, renewals, and state filings — with scalability built in from day one.

ClaimCenter settlement operations
ClaimCenter

Faster, Accurate Settlements

FNOL to settlement processing including benefits, bulk invoicing, adjudication workflows, and 97% API test automation coverage.

BillingCenter transaction processing
BillingCenter

Seamless Transactions

Flexible billing architecture, delinquency handling, lockbox, payment integrations (OneInc, Elavon), and 75% API automation coverage.

Guidewire cloud migration team
Cloud Migration

Migration Validation & Stability

Celsior supports Guidewire cloud migrations by independently validating compatibility, integrations, data integrity, and release readiness. Our focus is on early risk identification, migration stability, and post cutover confidence—helping carriers avoid late surprises during SI led cloud transitions.

Validated third-party integrations:

Duck Creek Specialist

Duck Creek expertise
Policy, Claims & Beyond.

3+ years delivering Duck Creek SaaS and OnDemand solutions for large enterprise insurers. We cover the full value chain — from product configuration and underwriting workflows to claims closure, billing, producer portals, and analytics.

Duck Creek Policy — product launch team
Duck Creek Policy

Launch Products Faster

Product configuration, rating rules, underwriting workflows, and lifecycle validation — enabling faster state filings and market responsiveness.

Duck Creek Claims — FNOL operations
Duck Creek Claims

FNOL to Closure

Automation-led workflows from FNOL through settlement — including CAT event management, rule-based settlements, and real-time insights for faster, accurate resolutions.

Duck Creek Billing — real-time billing
Duck Creek Billing

Flexible, Real-Time Billing

Flexible billing rules, delinquency handling, payment processing, and real-time transaction validation seamlessly integrated into core systems.

Agent and broker enablement
Duck Creek Producer / Distribution

Agent & Broker Enablement

Agent portal workflows, omnichannel submission and servicing — giving producers the digital tools they need to quote, bind, and service faster.

Data analytics and insights
Duck Creek Clarity

Data, Analytics & Insights

Analytics reporting and insight validation via Clarity — plus Snowflake-based data platform integration for enterprise-grade decision support.

SaaS and OnDemand readiness
Cloud & Quality Engineering

SaaS & OnDemand Readiness

End-to-end QE, CI/CD pipeline integration, and cloud-native architecture support ensuring stable, production-ready Duck Creek deployments at every release.

ECOSYSTEM INTEGRATIONS
One Inc Payments Snowflake CRM Agent Servicing Web & Mobile FNOL Estimation Tools Rules Engines CAT Event Management Clarity Analytics
DELIVERY SCOPE
Talent & Staffing Technology Implementation Training & Enablement Automation & QE Production Support Cloud Migration

WHY 2026

The window to modernize is closing fast

Every quarter you delay modernization is revenue lost to faster competitors.

POLICY 0

Cloud-native Policy Admin is now the industry baseline. GenAI-assisted underwriting is mandatory.

CLAIMS 0

Global insurance fraud now tops $800B annually.[6] Real-time detection, AI-driven FNOL, and behavioral analytics are no longer optional — legacy systems simply cannot integrate them.

DISTRIBUTION 0

Leading carriers now offer 2-minute quote-to-bind flows.[7] Producers are moving their book to whoever makes their job easiest. Without CRM unification and mobile-first experiences, you're already behind.

CORE SYSTEMS 0

Legacy customizations now inflate TCO by 20–40%.[8] Cybersecurity risk has tripled. Every year on a legacy core is another year of compounding cost — and compounding risk.

WHO WE SERVE

Built for every stakeholder driving transformation

Whether you're a CXO driving strategy, an ops leader fighting cycle times, an engineer buried in legacy integrations, or a broker/MGA scaling your distribution — Celsior has a dedicated playbook for your role.

Team collaboration meeting

YOUR CHALLENGES

Legacy cores blocking digital scale & slowing releases
High technical debt and cloud/API migration risks
Fragmented data limiting AI & automation adoption
Talent shortages and pressure to deliver more with less

WHAT CELSIOR DELIVERS

Modernization risk assessments and core systems health checks
Cloud and integration readiness validation for safer migrations
Data quality, reconciliation, and readiness assurance
Automation assisted quality with predictable delivery governance

YOUR CHALLENGES

Long cycle times draining operational efficiency
Manual processes creating bottlenecks and errors
Lack of real-time visibility into operations
Compliance tracking across siloed systems

WHAT CELSIOR DELIVERS

End-to-end workflow automation reducing cycle times by 40%+
Straight-through processing for high-volume transactions
Real-time dashboards with operational KPIs
Automated compliance and audit trails

YOUR CHALLENGES

Complex legacy integrations slowing development
Manual testing bottlenecks in release cycles
Poor test coverage and flaky automation scripts
Lack of CI/CD maturity for insurance platforms

WHAT CELSIOR DELIVERS

Pre-built integration accelerators for Guidewire, Duck Creek, and more
97%+ test automation coverage across all LOBs
Stable, reusable automation frameworks
Full CI/CD/CT pipelines with Jenkins, AWS Lambda

YOUR CHALLENGES

Scaling distribution without tech infrastructure
Carrier connectivity and data exchange complexity
Slow quote-to-bind processes losing business
Limited analytics on book performance

WHAT CELSIOR DELIVERS

Turnkey digital distribution platforms
API-first carrier integrations for real-time quoting
Streamlined quote-to-bind workflows
Embedded analytics and book-of-business insights

YOUR CHALLENGES

Vetting vendors with true insurance domain expertise
Managing cost overruns on transformation programs
Ensuring consistent delivery quality across vendors
Balancing speed-to-value with long-term partnerships

WHAT CELSIOR DELIVERS

Insurance-specialized teams with proven P&C track record
Fixed-scope accelerators reducing TCO
100% on-time delivery with high QA audit scores
Flexible engagement models from staff aug to managed delivery
IP & Accelerators

Proprietary Accelerators

Purpose-built IP for insurance-specific challenges, ready to deploy and scale across your operations.

Get Started

FNOL Fraud Detection Context Graph

A human-in-the-loop fraud detection accelerator that surfaces fraud risk signals and suggested investigative questions during FNOL processing. The system never auto-denies claims — it augments human decision making with AI-powered triage while maintaining complete decision traceability in a context graph.

  • AI-powered fraud risk signal surfacing
  • Suggested investigative questions for adjusters
  • Human-in-the-loop decision workflow
  • Full traceability recorded in context graph
  • Reduces false positives while catching real fraud
Request Architecture Overview

AI-Powered FraudSense V2.0

A production-ready AI fraud detection solution combining document processing, behavioral analytics, and machine learning models to identify suspicious claims patterns. Designed for ‘pilots to production’ deployment in 2026 with dataset-agnostic architecture.

  • AI-driven document processing and triage
  • Routine claims cycle time reduction
  • Behavioral pattern and anomaly detection
  • Dataset-agnostic, configurable model approach
  • Pilots to production narrative for 2026
Request Solution Brief

ENGAGEMENT MODELS

Flexible Engagement Models

We adapt to your needs — from staff augmentation to full GCC setup.

Staff augmentation team collaborating in an office

Staff Augmentation

Including Transferable Talent

 Engineers reviewing managed capacity in a data center

Managed Capacity

SLA-Based Delivery

 Team members upskilling around a workstation

Workforce Upskilling

Capability Building

 Professional leading project-based managed services delivery

Project-Based /
Managed Services

End-to-End Delivery

 Co-innovation hub team celebrating a breakthrough

Co-Innovation Hub

Joint Innovation

 Global capability center leadership team

GCC – Build Operate Transfer

Global Capability Center

PROVEN IMPACT

Key Solutions Delivered Across US Insurers

Real outcomes for real insurers — from policy issuance modernization to enterprise data warehouses and AI-driven operations.

Instant Policy Issuance

< 2 min POLICY ISSUANCE

Enabled issuance of Life and Medicare policies in under two minutes, streamlining customer experience and operational efficiency.

Policy issuance approval

Sales Data Visualization

360° SALES VISIBILITY

Provided actionable insights empowering agents with clear, data-driven perspectives for better sales outcomes.

Sales analytics dashboard

Extensive Test Automation

75–100% AUTOMATION COVERAGE

Leveraged extensive UI and API automation to ensure robust code coverage insights across insurance platforms.

Test automation in progress

Data Cleansing Solution

↑ Accuracy DATA QUALITY

Improved data accuracy for more reliable decision-making across policy, claims, and underwriting operations.

Data quality review

Seamless Multi-Tool Integration

Unified ECOSYSTEM

Multi-tool integration for secure signing, address verification, and medical and claim history checks.

Integrated tool ecosystem

Agent Commission Management

↓ Errors COMMISSION OPS

Simplified commission tracking to improve agent satisfaction and reduce errors across producer networks.

Agents reviewing commissions

Commercial Insurance Product Management

Multi-LOB PRODUCT COVERAGE

Ensured consistent management and maintenance of diverse insurance products across commercial lines.

Commercial product planning

Investment & Hedging Applications

Real-time TRADING INTELLIGENCE

Created investment & hedging applications for trading and related collateral management and valuation systems.

Trading and investment charts

Enterprise Data Warehouse

L1–L3 SUPPORT COVERAGE

Built Enterprise Data Warehouse to process business data and leverage it for operational, reporting, and analytical purposes.

Enterprise data warehouse servers

New Product Launch in 2 Weeks

< 2 Wks NEW PRODUCT LAUNCH

Delivered a modular, customized solution enabling new product launches in under two weeks — dramatically accelerating time to market.

Product launch planning

Insurance Application Suite

Full Suite APPLICATION COVERAGE

Created comprehensive insurance applications for Agents, Policy Management, Policy Holders, and Claims processing.

Insurance application suite

Automated Sales Processes

↑ Efficiency SALES OPERATIONS

Streamlined sales operations to boost efficiency in the sales workflow with automation and integration.

Automated sales workflow

Client Results

Trusted by carriers,
mutuals & distributors

20+ years of insurance delivery. Real outcomes across P&C carriers, mutual insurers, regional distribution organizations, and large enterprise accounts — on Guidewire, Duck Creek, and custom platforms.

Mid-Size P&C Carrier
Regional Mutual Insurer
Large Distribution Org

"35 Guidewire integrations delivered across PolicyCenter, BillingCenter, and ClaimsCenter — with 96% API test automation coverage. Automation scripts stabilized across states and LOBs, enabling 100% on-time releases with high QA audit scores."

Mid-Size P&C Carrier

Agent Digital, Analytics & Guidewire QE

"After a Big-4 SI exited post-transformation, Celsior stepped in as our steady-state Guidewire partner — handling enhancements, integration troubleshooting, and performance optimization across all core modules. Their cost-effective AMS model gave us platform stability without the premium Big-SI price tag."

Regional Mutual Insurer

Guidewire Platform Engineering & Steady-State AMS

"CRM-integrated digital lead portals built on Microsoft Dynamics 365 enabled agents to capture customer data before every meeting. Mobile-optimized self-service apps transformed how agents engage with customers in the field."

Large Distribution...

Agent Distribution & Core Modernization

Book a Call

Let's find where you're losing speed.

A 30-minute strategy call with our insurance modernization team. No pitch. No commitment. We'll identify your biggest operational bottleneck and show you what a 90-day impact looks like.

Free Core Systems Health Check

Evaluate your GW/DC/Socotra configurations, integration health & upgrade readiness.

90-Day Transformation Roadmap

Walk away with a concrete plan — not just a slide deck of recommendations.

ROI & TCO Analysis

We'll quantify the cost of inaction — and the upside of moving now.

30-Day Pilot Option

Start with a scoped pilot. Prove the value before committing to a full engagement.

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