Achmea: Automating Business Insurance
Building intelligent business insurance request processing on Appian for the Netherlands' largest insurance group.
The Client
Achmea is the largest insurance group in the Netherlands, serving millions of customers through well-known brands including Centraal Beheer, Interpolis, and Zilveren Kruis. Their business insurance division handles complex commercial policies ranging from liability and property to professional indemnity and cyber insurance. With increasing market competition and evolving risk landscapes, Achmea needed to accelerate their business insurance operations.
The Challenge
Achmea's business insurance underwriting faced several operational challenges:
- Lengthy quote-to-bind cycles causing customer frustration and lost business
- Inconsistent underwriting decisions across different teams and product lines
- Complex risk assessment requiring data from multiple internal and external sources
- Legacy systems limiting agility to launch new products and adapt to market changes
Our Solution
Code Garden delivered a comprehensive Appian-based solution for business insurance processing:
Low-Code Platform
Implemented Appian as the core low-code platform, enabling rapid development of underwriting applications with built-in process automation and case management.
Intelligent Underwriting
Built decision tables and business rules for automated risk assessment, with straight-through processing for standard policies and intelligent routing for complex cases.
Integration Hub
Connected Appian to KvK (Chamber of Commerce), external risk databases, and internal policy administration systems for comprehensive risk profiling.
Broker Portal
Developed a self-service portal for insurance brokers to submit applications, track status, and receive quotes with real-time pricing.
Results
Faster quote generation
Straight-through processing rate
Faster new product launches
Technologies Used
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