How to Address Tech Shifts and Regulatory Changes in Insurance
Insurers are reimagining their operating models and core strengths as technology reshapes the industry.
We continually invest in our capabilities and build strong partnerships with insurtech companies. This helps insurers rethink their operations, deliver measurable business value and build future-ready models across the insurance value chain. By focusing on insurance operations solutions, we help insurers deliver client-centric experiences, control costs, strengthen data security and improve risk selection.
Get Better Results from Your Insurance Processes
Simplify insurance operations management for greater efficiency and client satisfaction.
Subrogation-as-a-Service
Our AI and machine learning–driven subrogation management solution helps you cut costs and identify more potential cases and recoveries. It integrates smoothly with core claims platforms, surround systems and external partners.
Point-of-sale solutions
Digital tools that bring a physical experience to life with intelligent data, content and process management. These AI-powered solutions streamline underwriting and create seamless omnichannel touchpoints, reducing friction across the sales lifecycle.
Risk marketplace
An omnichannel marketplace powered by a custom risk engine and end-to-end IoT solutions. This cloud-based insurance platform lets you explore new business models and enhance user experiences with real-time, AI-enabled product recommendations for reinsurers.
Distribution management
A configurable SaaS platform supporting the entire distribution value chain for a seamless experience. Rich features drive performance by managing hierarchy, compensation and payouts across lines of business — a vital part of insurance transformation.
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Why Choose HCLTech for Your Insurance Business Outcomes
We help insurance carriers stay ahead with solutions that adapt to changing client needs and regulatory shifts.
Domain expertise
A transformation center of excellence for insurance products and operational risk management
Partner ecosystem
Automation, core execution, distribution, underwriting and BPM for end-to-end insurance service operations
Closed-book services
FCA-regulated UK life and pensions administrator with full-service capability
Business model transformation
Delivering outcomes-based services recognized by Everest, Avasant and HFS
Insights and News
Transforming subrogation with AI-powered decisioning
HCLTech has partnered with CCC SafeKeep to develop a subrogation platform solution that will not only accelerate your process but also improve your recovery outcomes with AI-powered decisioning.
How can technology assist and streamline the insurance claims management process?
It is important to streamline the claims adjudication process with the help of AI to make the handler’s processes faster and more productive.
Ready to rethink your insurance operations?
Contact us to learn how we can help you deliver better outcomes.
Frequently Asked Questions about Insurance Operations Solutions
We help insurers streamline operations by leveraging AI-driven automation, integrated platforms and cloud insurance solutions. With deep experience modernizing core processes, we guide clients to achieve faster case handling, better data visibility and lower costs—giving them agility and efficiency in a challenging regulatory environment.
AI transforms subrogation by identifying more recovery opportunities, reducing manual workload and accelerating cycle times. Our AI-powered subrogation solutions analyze claims data in real time, uncover complex recovery scenarios and streamline negotiations—results that deliver measurable cost savings and better recovery rates for our clients.
An AI-led risk marketplace offers insurers real-time insights, personalized product recommendations and access to new digital distribution channels. We help clients leverage these platforms to explore innovative risk models, improve underwriting accuracy and accelerate business development—all while responding dynamically to evolving client and market needs.
Effective distribution management simplifies partner relationships, automates compensation and improves visibility throughout the value chain. Our SaaS solutions enable insurers to optimize sales performance, manage channel hierarchies and streamline payouts—driving revenue growth and operational excellence across every line of business.
Carriers can expect significant ROI—from faster policy issuance and reduced manual intervention to increased subrogation recoveries and better risk selection. Our solutions lower operational costs and boost performance, while supporting scalable growth—helping clients fulfill both immediate business needs and long-term transformation goals.
Value in modern insurance operations comes from data-driven decisioning, digital process automation and client-centric service delivery. We combine insurance expertise with technology insight to help clients unlock efficiencies, strengthen compliance and build scalable models that support growth, risk reduction and strong client experiences.
Using a digital point-of-sale solution streamlines underwriting and shortens the sales lifecycle. We empower insurers to deliver swift, accurate policy decisions at the point of sale, leveraging intelligent data capture and automated risk assessment for faster onboarding, minimized manual intervention and a seamless omnichannel client experience.
We enhance insurance processes by combining domain expertise with best-in-class technologies. From intelligent automation and cloud insurance solutions to specialized insurance operations management, we deliver measurable improvements in speed, accuracy and compliance—supporting clients in their transformation journeys and shaping future-ready operating models.
Clients choose us because we lead with unmatched industry knowledge, deep technology partnerships and strong global delivery. Our outcomes-based approach, certified capabilities and regulatory experience make us a trusted transformation partner, consistently recognized for driving business value, compliance and modernization in insurance service operations.
Our tools are designed for ongoing compliance, featuring robust data security, transparent reporting and customizable audit trails. We stay ahead of regulatory changes and incorporate operational risk management best practices—enabling clients to confidently meet evolving requirements while maintaining agility and business continuity.
