The Challenge of the Claims Process

For small insurers and MGAs, the claims process is often when they either earn customer loyalty or lose it. Unfortunately, claims management is also one of the biggest operational challenges for insurers: Claims processing moves too slowly, bogged down by manual paperwork, siloed communication and outdated systems. The result? Higher administrative costs, frustrated policyholders and unnecessary strain on staff.

That’s where a modern claims management solution like Internet Solutions for Insurance (ISi) comes in. By streamlining workflows, automating routine tasks and centralizing data, ISi helps insurers resolve claims faster and more accurately—all while reducing costs.

Let’s walk through the key features you’ll need in an insurance claims management software, so you can make an informed decision and transform one of your toughest challenges into a competitive advantage.

What Is P&C Claims Management Software?

Claims management software is the technology insurers use to handle every step of the claims process, from first notice of loss (FNOL) to settlement. A claims management platform serves as the backbone of an insurer’s back-end operations, by allowing insurers to track, evaluate and resolve the claim efficiently. 

By centralizing data, automating routine tasks, and guiding adjusters through standardized workflows, claims management software helps reduce errors, control costs and deliver a better policyholder experience.

The Benefits of Modern Claims Management Software

For small insurers and MGAs, the claims process can drain resources and create more work for staff or necessitate hiring more employees, if growth is the company’s end goal. A bumpy claims process can also frustrate policyholders, who may then switch carriers. 

Smaller mutual insurance companies, especially, are often challenged in adopting new technology. Modern claims management software, like ISi, directly addresses these challenges by reducing costs, speeding up settlements and providing insights that drive better business decisions.

Reduced Operational Costs

Automation eliminates manual tasks like data entry and document handling, reducing human error and the need to hire as the company grows. This allows insurers and MGAs or MGUs to streamline operations.

Faster Claim Settlements

With ISi’s automation tools, claims can move quickly from First Notice of Loss (FNOL) to final payment. By streamlining workflows and flagging next steps, insurers shorten cycle times and resolve claims without long delays.

Improved Customer Satisfaction

A faster, more transparent claims process means happier policyholders who will stay with your company. When customers are kept informed and receive prompt resolutions, their retention rates increase, as do referrals and positive reviews.

Enhanced Underwriting Capabilities

ISi strengthens underwriting by turning claims data into actionable insights. Because policy, billing, and claims all live within the same platform, underwriters gain access to the history of losses, settlements and trends without relying on separate systems. This unified data helps underwriters:

• Identify risk patterns across accounts or lines of business.
  
  

• Refine underwriting guidelines based on real claims outcomes.
  
  

• Price policies more accurately, using historical loss ratios and settlement data.
  
  

• Reduce leakage by aligning underwriting decisions with claims performance.
  
  

By closing the gap between underwriting and claims, ISi empowers small insurers and MGAs to make smarter decisions that improve both profitability and portfolio quality.

Fewer Lawsuits

When claims are paid promptly, the policyholder will not have the time to decide whether or not to hire an attorney or negotiate a higher settlement. ISi integrates with DiburseCloud for faster processing of all kinds of payments, including faster claim payments, reimbursements and even agent commissions.

By streamlining workflows, automating routine tasks and centralizing data, ISi helps insurers resolve claims faster and more accurately—all while reducing costs.

Key Features of a Top-Tier Claims Management System

Not all claims systems have the same quality and capacity. A modern claims management platform like ISi employs tools small insurers and MGAs need to process claims efficiently, reduce costs, and improve decision-making. Here are the core features that set it apart:

Automated Workflows

ISi’s built-in rules engine streamlines the entire claims process by automating routing, approvals and task assignments. This ensures that every claim follows consistent, predefined rules to reduce errors, improve compliance, and accelerate cycle times. By removing repetitive manual steps, ISi lightens the workload for staff and allows adjusters to focus on higher-value decisions instead of getting bogged down with administrative oversight. 

Integrated Data and Reporting

With ISi, all claims data is centralized in one platform, providing a complete and reliable view of your operations. Users can generate reports on loss ratios, settlement timelines, and other key performance metrics, making it easier to spot trends, evaluate performance, and make informed decisions proactively.

Fraud Detection

ISi uses advanced analytics to identify and flag suspicious claims, helping insurers reduce exposure to fraud. By detecting unusual patterns early, the system safeguards profitability and strengthens internal controls without adding manual review work. Additionally, ISi captures and organizes the necessary claims data, providing a solid foundation for risk management reporting.

Seamless System Integration

Rather than relying on an API-first approach, ISi unifies policy, billing, and document management within a single, table-driven platform. This integrated design eliminates data silos, streamlines workflows, and ensures information flows seamlessly across the entire insurance lifecycle, enabling faster, more accurate decision-making.

The Implementation Journey for Small Insurers and MGAs

Implementing a policy administration management platform can feel overwhelming, especially for smaller insurers and MGAs without large IT departments. ISi simplifies the process with flexible deployment options, structured data migration and a user-friendly design that allows for quick adoption. It won’t take years to get the system up and running. 

Modotech offers training on how to use ISi. You can submit tickets to a full-time staff of service members who can fix glitches and make any changes you cannot make on your own.

Choosing a Modern Deployment Model

ISi offers flexible hosting options that reduce the need for insurers to manage heavy infrastructure on their own. Whether deployed on-premise with a network/data center or with a cloud provider, insurers gain scalability, security, and reliability without significant IT overhead. Upgrades and enhancements are managed directly by the ISi team, ensuring the system stays current and compliant without costly in-house resources.

Data Migration and Integration

Migrating data from legacy platforms is one of the biggest hurdles in a system change. ISi provides structured processes and hands-on support to move policy, billing, and claims data into a single, unified system. This includes data validation, testing, and tailored migration strategies to reduce risk and minimize disruption. The result is a consistent, reliable foundation for all back-office operations, with ongoing support to ensure a smooth transition.

Training and Adoption

ISi is built with usability at its core, so adjusters, underwriters, and support staff can adapt quickly without a steep learning curve. To support this, Modotech provides comprehensive training during implementation and ongoing support afterward. This combination ensures teams feel confident using the system from day one, helping insurers realize immediate value and long-term efficiency after go-live.

How Claims Management Software Integrates with Your Tech Stack

To deliver real value, a claims system must connect seamlessly with the other platforms insurers rely on every day. With ISi, that integration is already built in—policy, billing and claims modules run on a single platform, ensuring data flows consistently across the entire insurance lifecycle. At the same time, ISi can connect to external tools like CRMs, giving insurers a complete, 360-degree view of their customers and operations.

PAS (Policy Administration System)

Because ISi’s policy administration and claims modules are unified, adjusters can instantly access policy details such as coverage, limits and endorsements without leaving the system. This eliminates data silos, speeds up claim verification and ensures every decision is based on accurate, up-to-date information.

CRM (Customer Relationship Management)

Many insurers use external CRM platforms for sales, service and marketing. ISi complements these tools by pushing key claims data into the CRM, enabling agents and service teams to see the full customer relationship. This integration fosters better communication, strengthens policyholder trust and ensures consistent service across all touchpoints.

The Future of Your Claims Process

For small insurers and MGAs, the claims process doesn’t have to be a constant drain on resources or a source of policyholder frustration. With ISi, you gain automated workflows that cut manual effort, integrated data and reporting for smarter decisions, built-in fraud detection, and unified policy, billing, and claims—all within a single platform.

Modern claims management software is more than a tool for efficiency. It’s a core competitive advantage, helping you resolve claims faster, deliver a better customer experience, and strengthen your underwriting over time.

Now is the time to transform how you handle claims. See how ISi can help you modernize, simplify, and future-proof your business.