Insurance BPO for P&C Carriers
Carriers juggle submission surges with legacy billing and commission workflows. The right BPO partner gives you flexible scale while cleaning the revenue cycle-without disrupting rating or authority.
High‑Impact Outsourcing for Carriers
- Submission Ops: appetite gating, clearance, data pre‑fill, rating worksheet setup.
- Policy Admin Support: issuance packs, endorsements, cancellations, reinstatements.
- Pay/Bill: direct/agency bill, installment schedules, producer payables, trust accounting, dunning workflows.
Controls that Keep You Compliant
- Dual‑control on money movement; maker‑checker on agency bill.
- Segregation of duties for producer commissions.
- Reconciliation and exception queues with audit trails.
Measurable Results
- Quote/Bind cycle time: -35%.
- Billing leakage: -20-40% through reconciliations.
- Commission exceptions: -50% via rules + QC.
- Backlog: Routine service within 24-48 hours.
Handoff Model (Who Does What)
- Carrier: rating/authority, product, referrals, large loss.
- BPO: intake → prep → execution; revenue ops; reporting.
FAQs
Can billing/commission ops be outsourced safely?
Yes-with maker-checker controls, trust account reconciliations, and role-based access. We implement dual-control for money movement and full audit trails.
How do you handle submission spikes?
We deploy surge pods trained on your playbooks with 24/5 or 24/7 coverage to keep inbox-to-touch and quote cycle times within SLAs.
