Farmers Fire came to Intuitive Web Solutions' (IWS) BriteCore team with our own heritage of in-house software development, having built and maintained our prior P&C carrier platform for several decades. As we looked to the future, we wanted the maturity and stability that a vendor solution provides, while retaining the agility and flexibility that in-house development has always afforded us. Together, we pioneered BriteCore's Open Development Platform, a secure, effective, and standardized process that grants Clients and Vendors the ability to directly contribute new features and functionality to BriteCore, supplementing their existing team of top-talent software engineers. Through this innovative BriteCore program, Farmers Fire has realized the best of both worlds: vendor-supported stability from IWS and hyper-custom bespoke solutions from our in-house team.
Having investigated over a dozen P&C Insurance Software suites, I can confidently say that BriteCore's deployment architecture is a decade or more ahead of every one of their competitors' that we reviewed. Their fully realized Infrastructure as Code environment, built on Amazon's world-leading AWS, allows them to deploy and scale new production instances in a matter of seconds. Their single source, continuous-integration / continuous-deployment framework for the entire community of carriers results in valuable new features, released nearly every week of the year, that are pre-tested with an automatic test suite comprised of many thousands of unit, regression, integration, end-to-end, and user acceptance tests.
The BriteCore product itself is intelligently organized, with top-level modules for Contacts, Policies, Claims, Lines (product, rates, and rules definitions), Reports, and Settings. The publicly accessible documentation (that alone is entirely unique in the industry) at http://briteedu.squarespace.com/ is so thorough that Farmers Fire was able to complete our implementation, including all Lines product definitions and Settings configuration, with minimal assistance from IWS. Whether it be policy lifecycle definitions, complex billing schedules, essential vendor integrations, renewal automation, out of sequence endorsements - BriteCore has thoughtful, effective functionality for nearly every core P&C carrier need.
Lastly, the staff at IWS, from the company founders to the front-lines support team, are some of the nicest, fairest, and most diligent people I've worked with at a service provider - an essential quality that cannot be overstated.
Coming from a world where Farmers Fire directly controlled and had custom-fit every process of our prior system, we found the stock financial and operational reporting out of BriteCore to be shy of our complete reporting needs. Even this perceived ("perceived" as dozens of other carriers have operated effectively for years with BriteCore stock reports) shortcoming was much easier to overcome as BriteCore provides multiple external integration options, including a large and growing API surface and even direct, fast remote SQL access. Beyond the do-it-yourself approach, BriteCore staffs a dedicated reporting and analytics team that can be contracted to custom-craft extracts and reports for client carriers.
Implementing a new system to handle nearly every aspect of your company's operations will always be a massive endeavor, no matter which product or vendor you pick. Based on Farmers Fire's experience, IWS BriteCore is an excellent team and product to go on this journey with. Be thoughtful in your requirements, open to seasoned suggestions from the IWS team, and be ready to do the hard but rewarding work of positioning your company well for the future on a robust and growing platform.
BriteCore has improved existing and enabled new processes across multiple departments at Farmers Fire - just to list a few:
1) Automatic Renewal processing across all lines of business
2) Recurring automatic billing options for both ACH and credit card
3) Dynamic underwriting rule enforcement, customized for each policy type
4) Consolidation of all lines of business to a single, cohesive platform
5) Simplification of IT deployment/maintenance, reduction in cost, and greatly improved disaster recovery/business continuity achieved through expert AWS deployment architecture
6) Deduplication of Contacts through a robust, multi-role contact-entity model
7) Flexible tracking and tagging of new data attributes on nearly any system entity, on-demand, through a user-configurable, system tag interface