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Three of forty, and it is appetite. Those three source 60% of your out-of-appetite binds, mostly coastal habitational, and that business runs a 92% loss ratio against 58% for in-appetite risk. That is seven points on the whole program. Rate is adequate where guidelines were followed, so the fix is distribution management, not a filing.
Insurance

Disconnected policy and claims systems are costing you margin. We make them work together.

Your book lives across policy admin, underwriting, claims, and billing systems that don’t talk to each other. We connect and govern that data so you can see where margin is leaking and fix it.

Book a Demo

See how we trace leakage across your book. 30 minutes.

4 pts
Loss ratio recovered
12%
Claims leakage identified
3–5x
Faster loss-run reconciliation

Margin is leaking across policy, claims, and underwriting systems.

Leakage Starts Before the Claim Closes

Coverage gaps, missed subrogation, and slow adjudication live in separate policy and claims systems.

By the time it hits the loss run, the money is gone and no one has a clear view of where it happened.

No End-to-End View of the Book

Risk and premium move across policy admin, underwriting, claims, and billing.

Each step lives in a different system, so loss-ratio drivers go unnoticed.

You Can’t See Where the Book Breaks

Claims leakage, underwriting misses, unrecovered subrogation — but no clear root cause.

Decisions get made on stale reports instead of real system-level insight.

SECURITY & COMPLIANCE

SOC 2 Aligned

PII Governance

On-Prem Available

Data Encryption

Access Audit Trail

We don’t touch your systems. We make them work together across the entire policy and claims lifecycle.

See Where Margin Is Lost

Margin breaks before, during, and after the claim — across underwriting, policy admin, claims, and billing.

We connect those systems so you can see exactly where leakage happens and where margin is lost.

Fix the Breakpoints Automatically

Missed recoveries, slow adjudication, and preventable leakage are surfaced and flagged in real time.

Manual checks are replaced with workflows that catch and prevent loss across systems.

Track the Book End-to-End

From quote to claim to recovery, performance is tracked across systems — not just within one.

You get a complete view of how risk and premium actually move through your book.

Quote to Recovery

See how OutcomeCatalyst unifies policy, claims, and billing data to surface leakage, flag missed recoveries in real time, and track true loss ratio in one connected view.

PROOF & RESULTS

4 pts of loss ratio recovered.

And it wasn’t a pricing problem.

INSURANCE

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CARRIER

A regional carrier had policy, claims, and billing data fragmented across three systems. Actuarial spent weeks reconciling loss runs, with no clear view of what was leaking, mispriced, or unrecovered.

4 pts loss ratio recovered

OutcomeCatalyst connected the systems and automated reconciliation across the full policy and claims lifecycle.

Leakage that was previously buried in disconnected workflows became visible and recoverable in real time.

INSURANCE

A brokerage had no unified view of claims handled across carriers. Recoveries were slipping between systems, but no system captured where or why.

12% claims leakage identified

OutcomeCatalyst connected policy, claims, and recovery systems.

The team could finally see where dollars were lost — and fix the workflow before margin disappeared.

CU

Chief Underwriting Officer

$800M Specialty Insurance Carrier

★★★★★

“Before OutcomeCatalyst, we couldn’t see where the book was leaking across systems. Now we see it clearly and fix it before it hits the loss ratio.”

Built for environments where data security, privacy, and auditability are non-negotiable.

Your CISO will ask about data handling before anything else. Here’s the answer.

DATA SECURITY

SOC 2-Aligned Data Handling

We operate in SOC 2-aligned environments with full encryption, access controls, and audit logging. All PII is handled under strict governance aligned with your organization’s compliance requirements.

PII DATA HANDLING

Regulation-Ready Architecture

We operate as a compliant data partner aligned with NAIC and state requirements. Data handling, access, and processing follow the same standards required across your organization.

AUDIT READINESS

Role-Based Access and Full Auditability

Access is restricted by role and fully logged. Every data interaction is traceable, supporting audits, compliance reviews, and internal governance.

SYSTEM INTEGRATION

Flexible Deployment Models

We support both client-hosted and managed environments. Data can remain within your infrastructure or be handled in secure, governed environments depending on your requirements.

Find where margin is lost. Recover it. Then scale it.

Quantify the Leakage

You can’t fix what you can’t see.

We map performance across underwriting, policy admin, claims, and recoveries — showing exactly where margin is lost.

Identify points of recoverable loss ratio

Fix the Root Causes

Leakage isn’t random — it comes from repeatable breakdowns.

We surface and automate fixes across underwriting, claims, and recoveries so the same issues stop happening.

Reduce leakage and missed recoveries in weeks

Scale Across the Book

Once one workflow is fixed, the same model expands across the book.

Performance is tracked end-to-end — from quote to claim to recovery — across all systems.

Margin tracked across the whole book, not just claims

OUR FAQS

The Questions Every Insurance Buyer Asks Before Saying Yes

These are the questions we get before every insurance engagement — from CFOs, CUOs, and operators. Here’s how we answer them.

No. We integrate with your policy admin, underwriting, claims, and billing systems without changing how your teams work. We read from your systems — we don’t write into core systems or require new tools. Your workflows stay the same; we just make the data consistent underneath.

You’re already losing margin. You just can’t see where.

Start with one line of business. See exactly where margin is leaking — using your own systems.

30 minutes. Your data. No generic demo.

Unified operating layer to harness artificial intelligence. Connect fragmented data, create agentic workflows, enable faster decisions across your company.

© 2026 OutcomeCatalyst. All rights reserved.

Unified operating layer to harness artificial intelligence. Connect fragmented data, create agentic workflows, enable faster decisions across your company.

© 2026 OutcomeCatalyst. All rights reserved.

Unified operating layer to harness artificial intelligence. Connect fragmented data, create agentic workflows, enable faster decisions across your company.

© 2026 OutcomeCatalyst. All rights reserved.