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Insurance

Drive Strategic Growth with Digital Insurance Transformation, Legacy Modernization, and Intelligent Automation.

Simplifying with Core Modernization & Claims Intelligence

HTC enables insurers to replace legacy burdens with digital agility—delivering AI-driven FNOL, Guidewire and Duck Creek modernization, and omnichannel CX solutions. We reduce time-to-value, enhance personalization, and improve underwriting decisions.

Cloud, AI & Personalization for Next-Gen Insurance

Core System Modernization and Cloud

Core System Modernization and Cloud

Core System Modernization and Cloud

Modernizes legacy insurance platforms like policy admin, claims, and billing by migrating to modular, cloud-native environments—enabling faster product launches, agility, scalability, and operational efficiency.

Artificial Intelligence (AI) & Machine Learning (ML)

Artificial Intelligence (AI) & Machine Learning (ML)

Artificial Intelligence (AI) & Machine Learning (ML)

Powers intelligent claims, underwriting, fraud detection, and predictive analytics—boosting policy accuracy, reducing risks, and improving real-time decisions across customer experience and insurance workflows.

Guidewire Platform

Guidewire Platform

Guidewire Platform

HTC leverages Guidewire’s PolicyCenter, BillingCenter, and ClaimCenter with cloud-first, automation-led services and accelerators to streamline policy management, improve lifecycle efficiency, and accelerate upgrades.

Duck Creek Technologies

Duck Creek Technologies

Duck Creek Technologies

Enables end-to-end modernization with Duck Creek’s SaaS-based solutions for policy, billing, and claims. HTC ensures faster implementation, integration, upgrades, and support for seamless digital insurance operations.

Digital Claims & Automated FNOL

Digital Claims & Automated FNOL

Digital Claims & Automated FNOL

AI-powered First Notification of Loss (iFNOL) accelerates claims intake via chatbots, images, or voice—reducing manual effort and driving faster resolutions, fraud detection, and enhanced customer satisfaction.

Intelligent Automation & RPA

Intelligent Automation & RPA

Intelligent Automation & RPA

Deploys RPA tools to automate underwriting, claims processing, and policy servicing—cutting costs, improving turnaround time, reducing errors, and boosting accuracy across core insurance operations.

Salesforce CRM

Salesforce CRM

Salesforce CRM

Delivers integrated CRM capabilities for insurance—streamlining underwriting, claims workflows, customer engagement, and sales through AI, workflow automation, and personalized, omni-channel experiences.

Smart Communications (SmartCOMM)

Smart Communications (SmartCOMM)

Smart Communications (SmartCOMM)

Enables hyper-personalized customer communication with prebuilt accelerators that automate policy documents, billing notices, and claims updates across digital channels—boosting engagement and CX.

Enterprise Content Management (ECM)

Enterprise Content Management (ECM)

Enterprise Content Management (ECM)

Automates enterprise content with platforms like Hyland OnBase and NewGenONE—centralizing document management, ensuring compliance, and enabling digital workflows for insurance back-office and claims ops.

Data Modernization & Analytics

Data Modernization & Analytics

Data Modernization & Analytics

Builds unified data platforms for advanced analytics, regulatory reporting, risk prediction, and real-time decision-making—supporting precision underwriting and data-driven customer experiences.

Telematics and IoT

Telematics and IoT

Telematics and IoT

Enables usage-based insurance and risk-aware pricing through connected car and home devices—improving safety, enabling real-time monitoring, and delivering proactive insights to reduce claims exposure.

GenAI (Generative AI) Services

GenAI (Generative AI) Services

GenAI (Generative AI) Services

Applies GenAI to enhance CX with AI-powered virtual agents, claims summarization, and underwriting support—driving hyper-personalization, automation, and innovative engagement across the policyholder journey.

DevSecOps

DevSecOps

DevSecOps

Accelerates secure software delivery with CI/CD, test automation, and agile DevSecOps pipelines—enabling rapid deployment, compliance, and continuous improvement across insurance platforms.

Application Maintenance and Support (AMS)

Application Maintenance and Support (AMS)

Application Maintenance and Support (AMS)

Provides hypercare, stability, and proactive optimization for insurance apps—ensuring high performance, regulatory compliance, issue resolution, and seamless platform functionality across the lifecycle.

InsurTech Integration and Ecosystem Partnerships

InsurTech Integration and Ecosystem Partnerships

InsurTech Integration and Ecosystem Partnerships

Connects core platforms with emerging InsurTechs via APIs and integrations—accelerating innovation, expanding digital offerings, and enabling agile, customer-centric ecosystem strategies for insurers.

Insurer’s Digital Backbone: Smart Services Across the Insurance Value Chain

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Advisory & Consulting Services

Advisory & Consulting Services

Strategic IT, data-governance and compliance advisory (KYC, AML, IFRS 17). We design cloud, cyber-resilience and cost models, mapping digital road-maps that future-proof insurers for rapid, regulated growth.

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Core Platform Services

Core Platform Services

Guidewire, Majesco, Duck Creek, Sapiens and SAP FS upgrades or greenfield builds. Config, integration, migration and automated QA deliver real-time policy, billing and claims on scalable, cloud-native cores.

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AI, Automation & Data Services

AI, Automation & Data Services

AI/ML, vision and NLP triage claims, flag fraud, score risk and tailor offers. Unified data lakes, MLOps pipelines and predictive dashboards convert raw insurance data into actionable insight.

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Cloud & Application Modernization

Cloud & Application Modernization

Re-platform monoliths to microservices on AWS, Azure or GCP using containers, IaC and DevSecOps. SaaS/PaaS adoption boosts resilience, performance and regulatory compliance while lowering TCO.

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Digital Transformation Services

Digital Transformation Services

Craft digital-first journeys—quote, bind, service—across portals, mobile, chatbots and embedded ecosystems. API orchestration, CX research and agile delivery speed innovation and loyalty.

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Customer Relationship Management

Customer Relationship Management

Salesforce FSC unifies policyholder data, automates lead-to-claim workflows and triggers AI next-best actions. Agents gain 360° insights, boosting acquisition, retention and lifetime value.

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Smart Communication Services

Smart Communication Services

SmartCOMM accelerators create brand-compliant bills, policies and notices. API-driven, event-based delivery enables hyper-personal, omnichannel outreach and measurable CX gains.

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Enterprise Content Management

Enterprise Content Management

Hyland OnBase, NewgenONE and IDP ingest, classify and secure documents. Automated retention, e-signature and audit trails cut risk, speed claims and support straight-through processes.

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Automation Engineering & RPA

Automation Engineering & RPA

UiPath, Blue Prism and BOTMAN bots automate onboarding, bordereau, reconciliation and regulatory checks. Intelligent orchestration, OCR and APIs lift accuracy and free human capacity.

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Application Maintenance & Support (AMS)

Application Maintenance & Support (AMS)

24×7 DevSecOps pods monitor, patch and tune Guidewire, Salesforce and custom apps. Hypercare, SLA uptime and continuous optimization cut tech debt and protect compliance.

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Business Process Services (BPS)

Business Process Services (BPS)

ISO-certified centers handle policy issuance, claims FNOL, KYC/AML, F&A and contact-center ops. Analytics and RPA shrink cycle times, reduce expense ratios and scale service securely.

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AI-Driven Claims & Underwriting

AI-Driven Claims & Underwriting

Vision AI, telematics and GenAI extract data, spot fraud, rank severity and recommend payouts or risk tiers—slashing claim cycle time, loss ratios and underwriting effort.

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Integration Services

Integration Services

MuleSoft, Apigee and microservices enable open insurance, partner ecosystems and InsurTech plug-ins. Real-time APIs and event streaming accelerate products and simplify compliance.

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AI-Powered Underwriting Services

AI-Powered Underwriting Services

ML enriches risk with geospatial, IoT and credit data, predicts CAT exposure, sets pricing and delivers straight-through, explainable approvals—boosting speed and accuracy.

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Integrated Billing & Payment Services

Integrated Billing & Payment Services

RTP, ACH, card and wallet gateways integrate with core billing for automated invoicing, dunning, refunds and reconciliation—improving cash flow, CX and security.

Accelerators for Risk Insight & Experience at Scale

Accelerators
Accelerators to speed Guidewire implementations with CI/CD pipelines, QAOps, plug-ins, automated analytics, cloud migration templates, and seamless integration for faster, reliable delivery.
Accelerators
Prebuilt templates, migration toolkits, and plug-ins to accelerate Duck Creek upgrades, reduce implementation timelines, enhance custom configurations, and simplify ecosystem integration.
Accelerators
A pre-configured Guidewire-on-AWS deployment model that accelerates POC and pilot launches, simplifies cloud migration, and reduces infrastructure overhead for insurers.
Accelerators
Helps insurers streamline policy setup and administration, reduce time-to-market, and boost operational agility with automation.
Accelerators
Automated QA suite for Guidewire apps covering unit, integration, and regression testing using CI/CD, ensuring production-grade reliability and reduced testing cycles.
Accelerators
Omni-channel FNOL platform that captures claims data via chatbot, voice, images, or telematics; automates intake, risk scoring, and fraud detection for faster claims resolution.
Accelerators
Accelerates parsing, validation, and transformation of Duck Creek Manuscripts, ACORD XML, and regulatory templates—reducing manual review time and ensuring compliance.
Accelerators
Plug-and-play assets for seamless SmartCOMM deployment with insurance core platforms; automates document generation, voice integration, and omnichannel communications.
Accelerators
A plug-and-play connector to integrate Duck Creek with SmartCOMM, enabling personalized policyholder communication and seamless document workflows across channels.
Accelerators
Includes tools like BOTMAN, UiPath bots, and RPA scripts to automate claims, onboarding, policy servicing, and compliance processes—improving efficiency and reducing costs.
Accelerators
AI-powered underwriting engine that leverages historical data, geospatial imagery, COPE indexing, and wildfire risk scoring to enable faster, accurate underwriting decisions.
Accelerators
Cloud-native platform for secure, AI-driven document ingestion, classification, archival, and access—streamlining workflows and supporting compliance and audits in insurance.
Accelerators
AI-driven ITSM solution for insurers that automates ticketing, integrates enterprise systems, and improves incident resolution speed, user experience, and service governance.
Accelerators
Experience platform unifying digital insurance channels (web, mobile, agent, CRM) to deliver personalized journeys, improve engagement, and accelerate digital maturity.
Accelerators
Reference architecture and services suite for cloud data migration, especially for Guidewire, enabling seamless integration, analytics, and a 360° customer view.
Accelerators
Mobile app for digital claims submission and trip monitoring using phone sensors; enables users to locate hospitals, fuel stations, and connect with Guidewire backend.

Success Stories

A Leading Banking Major Trusts HTC to Ensure a Stable and Effective Infrastructure Availability
Infra, Cloud
A Leading Banking Major Trusts HTC to Ensure a Stable and Effective Infrastructure Availability
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Global Manufacturer Switches to Azure DevOps for Its Collaborative Features
Manufacturing, Cloud
Global Manufacturer Switches to Azure DevOps for Its Collaborative Features
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Pushing The Boundaries Of Guidewire Driven Growth And Innovation
Insurance, Guidewire
Pushing The Boundaries Of Guidewire Driven Growth And Innovation
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From Legacy Boundaries To Guidewire Possibilities, Guiding An Insurer All The Way
Insurance, Guidewire
From Legacy Boundaries To Guidewire Possibilities, Guiding An Insurer All The Way
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Policy And Billing Transformations: An Insurer Goes For More!
Insurance, Guidewire
Policy And Billing Transformations: An Insurer Goes For More!
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Driving Transformation Through Unified Systems
Insurance
Driving Transformation Through Unified Systems
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Powering Claims Modernization With Automation-Led Data Migration
Insurance, Duck Creek
Powering Claims Modernization With Automation-Led Data Migration
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Enabling a Transformative FNOL Experience
Insurance, Duck Creek
Enabling a Transformative FNOL Experience
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Towards A Smarter Claims Correspondence
SmartCOMM
Towards A Smarter Claims Correspondence
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HTC Accelerates A Large Insurer’s Ambitious Digital Transformation Drive With Guidewire
Insurance, Guidewire
HTC Accelerates A Large Insurer’s Ambitious Digital Transformation Drive With Guidewire
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Where Transformation Meets Quality At Speed
InsurQA, InsurQA
Where Transformation Meets Quality At Speed
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HTC Elevates A Leading Insurer’s Omnichannel Customer Interactions
Insurance, InsurQA
HTC Elevates A Leading Insurer’s Omnichannel Customer Interactions
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HTC Helps A Leading Insurer Delight Customers With A Better Claims Process
SmartCOMM
HTC Helps A Leading Insurer Delight Customers With A Better Claims Process
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With A New Mobile App, A Carrier Takes Its Mobile Game To The Next Level
Insurance, Mobile & IoT Experience (CX & DX)
With A New Mobile App, A Carrier Takes Its Mobile Game To The Next Level
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HTC Helps a leading U.S. based specialty insurer to digitally transform business operations
Insurance, ECM_CCM_Guidewire
HTC Helps a leading U.S. based specialty insurer to digitally transform business operations
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With HTC, a Leading Insurer Stays Current on Complex ISO Circulars
Insurance, Duck Creek
With HTC, a Leading Insurer Stays Current on Complex ISO Circulars
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Transforming Claims CX, Smartly
Insurance, SmartCOMM
Transforming Claims CX, Smartly
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To Cut A Long Story Short, Software Performance Is The Key
Insurance, Testing QA
To Cut A Long Story Short, Software Performance Is The Key
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Redefining Core Resources Management With RPA
Insurance, AI and Automation
Redefining Core Resources Management With RPA
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An Exclusive Data Mart Solution For Faster and Fair Claim Settlements
Data & Insights, Business Process Services
An Exclusive Data Mart Solution For Faster and Fair Claim Settlements
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Insights

Shaping the Future of Insurance: Beyond the Digital Shift

Brochure

Insurance, HTC's Insurance Services And Solutions
Shaping the Future of Insurance: Beyond the Digital Shift
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HTC Policy Submission And Administration Solution

Brochure

Insurance, HTC's Policy Submission and Administration
HTC Policy Submission And Administration Solution
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Real-Time Data. AI Insights. Dynamic Pricing: How UBI 2.0 Is Rewiring Auto Insurance

Blog

Insurance, Insurance
Real-Time Data. AI Insights. Dynamic Pricing: How UBI 2.0 Is Rewiring Auto Insurance
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Embrace Technologies And Thrive In The Modern Insurance Landscape

Blog

Digital
Embrace Technologies And Thrive In The Modern Insurance Landscape
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Accelerating CX With Connected Insurance Experiences

Blog

Insurance, Digital
Accelerating CX With Connected Insurance Experiences
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Beyond Premiums: Redefining The Insurance Landscape Through Hyper-Personalization

Blog

Digital
Beyond Premiums: Redefining The Insurance Landscape Through Hyper-Personalization
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From Risk to Reward – Transforming Insurance Operations With Data and Analytics

Blog

AI, Digital
From Risk to Reward – Transforming Insurance Operations With Data and Analytics
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Guidewire Cloud – The Success Guide To P&C On Cloud

Blog

Insurance, Cloud & Infra Services
Guidewire Cloud – The Success Guide To P&C On Cloud
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HTC’s Guidewire Services

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Insurance, HTC’s Guidewire Services
HTC’s Guidewire Services
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HTC InsurQA Guidewire Test Suite

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HTC’s Guidewire Services
HTC InsurQA Guidewire Test Suite
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From Competition To Collaboration: The Rise Of Embedded Insurance

Blog

Insurance, Insurance
From Competition To Collaboration: The Rise Of Embedded Insurance
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Navigating Insurance Market Dynamics With Minimum Viable Product Strategies

Blog

Insurance
Navigating Insurance Market Dynamics With Minimum Viable Product Strategies
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Transforming Customer Experience With AI/ML-Led Insurance

Blog

Insurance, Digital
Transforming Customer Experience With AI/ML-Led Insurance
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Future-Proofing Enterprises With Apache Kafka: Real-Time Data Management And Integration

Blog

Data and Insights
Future-Proofing Enterprises With Apache Kafka: Real-Time Data Management And Integration
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From Transactional To Transformational: Enhancing Business Value With Insurance Portal Modernization

Blog

Digital
From Transactional To Transformational: Enhancing Business Value With Insurance Portal Modernization
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What Can Insurance Industry Learn From The Ping An Story?

Blog

Insurance, Insurance
What Can Insurance Industry Learn From The Ping An Story?
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Guidewire On Cloud – The Big Shift For Insurers And How To Prepare For It

White Paper

Guidewire On Cloud – The Big Shift For Insurers And How To Prepare For It
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Delivering The Future of Customer Experience

Brochure

Smart Communication
Delivering The Future of Customer Experience
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CX Reinvented With Connected Insurance

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Insurance, Digital Services
CX Reinvented With Connected Insurance
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Helping Insurers Adapt, Thrive, and Lead

Brochure

HTC and Duck Creek Technologies
Helping Insurers Adapt, Thrive, and Lead
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Unleashing Test Automation For Insurance Transformation

Brochure

HTC Test Automation Solution For Insurance
Unleashing Test Automation For Insurance Transformation
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