Insurance

Compose Insurance experiences of the future through AI, Data & Cloud

Next generation insurers use AI-led systems that span functions and evolve continuously with business needs.

We work with leading Insurers to enhance speed of innovation and enterprise adaptability by modernizing systems, and integrating AI, cloud, and data to build composable applications and experiences.

80%

of common customer service issues resolved autonomously using agentic AI.

five-year growth than laggards was achieved by AI adopters in Insurance.

45%

more value by 2027, for insurers that integrate AI with FinOps.

42%

of insurers are already investing in AI.

Who we work with

Leading Property and Casualty (P&C) and Life insurers worldwide trust Encora to drive digital adoption and leadership for tech-enabled modernization across the insurance value chain trust.

How we help Insurance Carriers, Brokers and MGAs

Encora blends deep insurance expertise with AI-first solutions that boost accuracy, speed, and customer satisfaction. We help streamline claims, improve underwriting, and ensure compliance from start to finish.

Redefining Underwriting with AI

We streamline underwriting from product design to renewal, using AI to automate risk scoring, reduce bias, and accelerate quote-to-bind. Our centralized underwriting workbenches integrate with platforms like Guidewire, Instanda, and FintechOS, helping carriers deliver faster, smarter decisions.

AI-Driven Claims Transformation: From FNOL to Settlement

We reimagine claims with AI, from Agentic First Notification of Loss (FNOL) to image-based assessments and automated triage. Insurers gain faster settlements, better fraud detection, and intelligent routing, all while improving accuracy and CX.

Adaptive Experience and Digital Journeys

We build adaptive experiences for agents, brokers, and bancassurance partners: real-time quotes, self-service portals, e-signatures, and embedded insurance tools, all delivered through intuitive, AI-powered dashboards.

Smarter Customer Experience in Insurance

Our 24/7 AI support, behavior-driven journeys, and intelligent marketing tools help insurers boost retention and brand visibility. Our personalization engines enable seamless omnichannel engagement.

Modernization of Legacy Systems

We modernize core systems with composable architectures, AI-driven automation, and cloud-first design. No disruptive replacements; just faster delivery, better resilience, and complete data-readiness.

Strategic Intelligence for Insurance Leaders

From profitability tracking to ESG dashboards, we enable executive teams to act with greater speed and strategic clarity. . Our AI-driven tools provide enterprise-wide visibility, automate risk reporting, and align financial and operational strategy.

Explore our work

CREDIT UNION INSURER

How a Credit Union Insurer Streamlined Underwriting with Automation

CEE INSURER

How an Eastern European Insurer Accelerated Product Growth by 63%

LEADING GLOBAL INSURER

How a Leading Global Insurer Modernized Its Customer Portal with AWS Cloud Migration

BEAZLEY

How Beazley Became Future-Ready with AI, Data & Cloud

View all work

CLAIMS INNOVATION WITH AI

Navigating the Claims Crossroads

Discover how insurers can transform claims with AI. This guide reveals 8 high-impact leverage points and a phased roadmap to cut processing time, reduce costs, and elevate CX—using systems thinking, not siloed solutions.

Download the Blueprint

What our clients say about us

Mosaic

"We have found Encora to be very responsive to our needs. Encora consistently meets or exceeds our standards by providing us access to the best tech-leads and engineers."

Nagaraju Bandaru,

Chief Technology Officer

Newfi Lending

"One of Encora's key strengths is their ability to find the best talent. We look forward to adding significant value together in the coming future."

Alok Surana,

Omni-channel Technical Product Manager

SCM Insurance Services

"As a global organization with a depth of technical talent, Encora has assisted SCM in reducing overall IT operating costs while accelerating our ability to meet our business objectives."

Mike Ackroyd,

Senior VP of Information Technology

Opta

"We have found Encora to be very responsive to our needs, delivering high quality developers who work very effectively as an extension of our onshore team."