Capgemini-提高承保準(zhǔn)確性和效率-承保工作臺(tái)優(yōu)勢(shì)（英）

Elevateunderwritingaccuracyandefficiency

TheUnderwritingWorkbenchadvantage

2

TheUnderwritingWorkbench

enablesmorebusinesstobe

handledbyunderwritersasit

increasesspeedandefficiency

andimprovesoutcomes.

Keyinsights

?Legacysystemsaffecttheaccuracyofdataandthespeedatwhichriskassessments

canbeconducted—bothkeyunderwritingfunctions.

?TheUnderwritingWorkbenchisaholistic

ecosystemwheretherightsoftwareworkstogethertopropelyourbusinessintothe

nextgenerationofunderwriting,defined

byefficiency,accuracyandtalentattraction.

?ImplementinganUnderwritingWorkbenchinvolvesaphasedapproach,addressing

challengeslikedatasilos.Keycapabilitiesincludeadata-drivenenterprise,open

ecosystemandfutureoperatingmodels.

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Today’sunderwritersgrapplewithanarrayofchallengesthatundermineboththeir

efficiencyandexpertise—daily.Globalinstability,climatechange,andemerging

technologieshaveledtocomplexrisksthatdemandagilityinassessmentandprecise

dataforanalytics.Atthesametime,manualprocessesconstrainedbysiloedand

potentiallyinaccuratedataimpactspeedanddecisionaccuracy.

Accordingto

Capgemini’sWorldPropertyandCasualtyInsuranceReport2024,

41%ofunderwriters’timeiscurrentlyfocusedonadministrativeandoperational

activities,constrainingtheircapacityandtriggeringvaluechainchallengesinpricing

andbroker/customerexperience.Underwritersnotedthatrelevantthird-partydata

insightsandpredictivemodelsareessentialtoaccuratelyassessandpricerisk,yetless

than37%ofinsurershaveadvancedthirdpartydatacapabilitiesandonly27%have

advancedpredictivemodelingcapabilities.

ACIOstruggles

withimplementing

technologytosupportunderwriters.Howareyoudealingwithlegacyandtechnicaldebt

indeliveringquotes

inatimelymanner?

Thechiefunderwriting

officermustimprovetheriskassessmentprocesswhilesimultaneously

approvingrequestsfor

quotes.Howcanyou

ensurepricingaccuracy?Howareyouhelping

yourexpertunderwriterswritemorebusiness?Canyouattractnewtalent

withyourcurrentsystem?

Anoperationsleadis

strugglingwithspeedinguptheunderwriting

processandtargeting

opportunitiesfor

improvement.Howdo

youdothiswhilestill

meetingobligations

aroundknowyour

customer(KYC),

strugglingwithsanctionschecksandmore?

TheCEOofaninsurance

companyischarged

withgrowingbusiness

withoutincreasing

headcount.Howareyou

modernizingwithout

transforming?

Complexprocessesandoutdatedsystemsoftenobscurethedataunderwritersneed

togainacompletepictureofthetotalrisk,whichcanleadtoanautomaticdecline

andorslowresponsetimes.Bothtranslatetolostbusiness.Theresult?Frustration,

inefficiencyandmissedopportunities.

Andlurkingaroundthecorneristhemassretirementofagenerationofunderwriters

whoselegacyknowledgemayjustdisappearwiththem.

Toaddressthesechallengesandmoveyourbusinessintothenextgenerationof

underwriting,legacyprocessesandsystemsmustbedealtwithcollectivelyby

leadershipacrossyourorganization.Eachviewthechallengesoftheunderwriterfrom

adifferentangle:

Butwhatiftherewasawaytostreamlinetheunderwritingprocesstocreate

efficiencyanddataaccuracy,empowerunderwriterstodevotemoretimetocore

tasksandhigh-levelanalysis,achievegrowthwithoutrequiringmoreheadcountand

attracttoptalent?

Enter:TheUnderwritingWorkbench

TheUnderwritingWorkbenchservesasaunifiedplacewheretools,dataandunderwritingprocessalign.Thisrobustplatformautomatestasks,providestimelyandoptimizeddata,createsefficienciesandfacilitates

collaboration,allinone.

Evenifunderlyingsystemsinvolvemultiplepolicy

adminsolutions,theworkbenchallowsagradualshiftfromlegacytechnology,providingaroadmapfortotaldigitaltransformation.Morethanatool;it’sagame-

changerintoday’scompetitiveworldofP&C

underwriting.

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WithanUnderwritingWorkbench,youcan:

Unlockcapacity

Automateadministrativetaskmanagementandutilizeartificialintelligence(AI)tointegratenon-coretasksthatenhanceproductivity,allowing

underwriterstofocusmoreonhigh-level

underwritinganalysis.

Acceleratetimetomarket

Speedupunderwritingwithoutcompromisingaccuracyinriskassessmentandpricing.SmartsubmissionassessmentacceleratestheprocessbyapplyingrulesandAItomatchasubmissionwiththeappropriateunderwritingexpertise,allowingunderwriterstospendmoretimeoncomplextasks.

Driveconsistencyandprecision

Aggregatedataandanalyticalinsightsfrom

internalandexternalsourcesincludingclaims,losscontrol,open-sourceintelligenceandthirdpartiestoempowerdata-backedunderwritingthatensuresconsistencyindecision-making.

Integratebenchmarkpricingwithpredictiveanalytics,includingCATmodelingand

profitabilitymarginsneededforpropertyand

heavycasualtyexposures,toapplyinsight-drivenriskassessmentandpromotegreaterpricing

precision.

Improvebrokerexperience

Real-timecollaborationprovidesa360-degreeviewofthecustomerandagenttobetter

manageandmonitorindividualrisksand

portfoliosthroughthepolicylifecycle,makingiteasierforbrokerstodobusinesswithyou.

Attracttoptalent

Advancedtechnologypositionsyourbusinessasaforward-thinkinginsurer,drawinginthenextgenerationofbest-in-classunderwritingtalent.

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Caseinpoint:How3insurersunlocked

thepoweroftheUnderwritingWorkbench

SeehowtheUnderwritingWorkbenchrevolutionizedunderwritingforthree

insurerswithdigitalefficiency,accuracyandinnovation:

Dataqualitytransformation

Atop-fiveLondonmarket

globalcommercialinsurer

performedastrategicoverhaul

ofitsunderwritingprocessesby

implementinganUnderwriting

Workbenchforaccuratedata

gatheringbyadoptingalightbuildapproachusingAPIs.Thisnotonlyaddressedreplicationchallengesbutalsoenhancedtheoverall

agilityoftheunderwritingsystemforimproveddataaccuracyand

thus,ratingtests,enablingfasterpolicyprocessingandanotablereductioninoveralloperationalcomplexitiesasaresult.

Reducedunderwriting

complexity

Underwritersincreasedtheir

outputwithoutaddingpersonnelatthisglobalspecialtyinsurerin

theLondonmarketwithhelpfromCapgemini.Soonafter,theinsurerarchitectedaroadmaptosourcecorrectdataattherighttime

acrosssoftwaretoolsandAIfor

emailtaskautomations.ThenewUnderwritingWorkbenchcateredtothediverseneedsofsupport

staffandseniorunderwriters,

enhancingoverallusability,

resultinginimprovedefficiency,

reducedcomplexitiesandamorestreamlinedunderwritingprocess,sotheorganizationcangrow.

Enhancedusability,

accuracy,andefficiency

AleadingEuropeaninsurer

wasunderwritingusingthree

disparatesystemstogetherwith

threedifferentratingsystems.

Processeswerestreamlined

afteroverlayinganUnderwriting

Workbenchviaasingletoolover

theentireunderwritingoperation,

providingasingle-entrypoint

toview,controlandaccessdata

anddocumentation.Theunified

platformenhancedusability,

significantlyreducedmanualdata

entryefforts,minimizingerrors

andacceleratingtheunderwriting

journey.

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Aroadmapforbuilding

anUnderwritingWorkbench

AsyougetreadytostartonthepathtowardsanUnderwritingWorkbenchforyour

organization,it’simportanttokeepinmindthatthechoiceoftechnologyisless

significantthanhowyouassembleandintegrateit.Focusonbuildingaframework

thatsmoothlyintegrateswithyourcurrentsystems,includingpolicyadministration

andsubmissionprocesses.Avoidgettingoverwhelmedbythespecificsofeachtool,

andinsteadthinkofitasaspringboardpropellingyoutowardsabrighterunderwriting

future,notacomplexprojectfromscratch.

Buildingarobustunderwritingsysteminvolvesasystematicapproach.Hereisaroadmaptoguideyourprocess:

1.Performatargetstateassessmenttoevaluatethecurrentstateofunderwritingtechanddefinethetargetarchitecture.

2.Definethetransformationmapbyprioritizingcomponentsbasedonwhichdeliverthemostvalue;consideroptionssuchasstreamliningandenhancingaccessibilityofratingandpricingengineforswiftimplementation.

3.EstablishaflexibleimplementationprocesstocustomizetheUnderwritingWorkbenchroadmapforyourorganization,tailoringstrategieswithinthe

Workbench’scentralhubtointegratealltechnologies.

4.Assessvendortechandevaluatetechnologyoptions,consideringin-housecapabilitiesoroptingforefficientlow-codesolutions.

5.Establishaprogramplanthatassemblesteamsforeffectiveimplementation.Gettingunderwriterbuy-inearlyonintheprocessiskeytosuccess.

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Areyoupreparedtoinvestinthefutureofunderwriting?

TheUnderwritingWorkbenchisn’tjustasolution;

it’sacatalystforchange,translatingtoawin-winfor

underwritersandinsurers.Underwritersareempoweredwiththetoolstheyneedtoexcel,andinsurersbenefit

fromimprovedefficiencyandprofitability.The

Workbenchwillhelpattractthenextgenerationof

talentwhileembeddingbestpracticesforafuture-proofinsuranceindustry.

Meetourexperts

AdamDenninger

GlobalIndustryLeaderforInsurance

adam.denninger@

AdamDenningerleadsCapgemini’sglobalstrategyandproductmanagement

fortheinsuranceindustryandmanagesitsrelationshipswiththeinsurance

technologyecosystem.Adamhas20+yearsofexperiencecreatingand

deliveringsolutionsattheintersectionofbusinessandtechnology.

KellyReisling

SeniorDirector,GlobalUnderwritingLead

kelly.reisling@

KellyReislingisaleaderindrivingdigitaltransformationinunderwriting.

Shehas+32yearsofexperienceinthepropertyandcasualty(P&C)insurance

industry.Sheisanunderwritingsubjectmatterexpertcontributingto

insuranceofferings,digitallandscapetransformations,andunderwriting

workbenchdevelopment.

Wen