Microsoft Solutions for
Insurance

D365 quote workflow with real-time rating engine integration, referral routing, and straight-through bind for standard risks — reducing quote-to-bind time from hours to minutes for personal and commercial lines.

Complete policy lifecycle management — new business, mid-term adjustment, renewal, cancellation, and reinstatement — with automated pro-rata premium calculation, endorsement generation, and document dispatch.

D365 underwriting referral queue with risk scoring, exposure analytics, peer comparison, and one-click access to all risk information — giving underwriters the intelligence to make faster, better decisions.

AI-powered renewal propensity scoring identifies at-risk renewals 60 days in advance — triggering personalised retention campaigns, pricing adjustments, and proactive outreach to maximise retention without sacrificing margin.

Branded policyholder portal for document access, claims tracking, policy changes, payment management, and direct contact with their handler — reducing inbound call volumes by up to 44%.

Automated product value assessment, consumer understanding monitoring, and support quality tracking — generating the FCA-required board report and evidence pack with a single button click each quarter.

D365 Sales gives your distribution team a dedicated broker CRM — contact management, new business pipeline, renewal tracking, scheme performance dashboards, and activity logging for FCA compliance.

AI-powered bordereau ingestion — automatically parsing Excel, CSV, and PDF bordereaux from brokers, validating data quality, reconciling against policy records, and flagging exceptions for review.

Automated commission calculation, statement generation, and BACS payment for all broker arrangements — handling flat, tiered, profit commission, and override structures without manual intervention.

Full scheme management for MGA and coverholder relationships — capacity monitoring, slip management, quarterly account settlement, and Lloyd's and company market reporting through a single D365 workflow.

Branded broker portal for new business submission, policy documents, claims tracking, commission statements, and MI reporting — available 24/7 without calls to your operations team.

Power BI distribution dashboard tracking GWP, loss ratio, and profitability by broker, scheme, and product — giving your head of distribution a live view of every panel relationship's performance.

Live combined ratio dashboard — loss ratio, expense ratio, and combined ratio by product, cohort, distribution channel, and geography — updated in real time from D365 claims and policy data.

Azure ML model registry and deployment pipeline — your actuarial team builds GLM, GBM, or neural network pricing models in Python or R, and deploys them to production in D365 through a governed release process.

Microsoft Fabric loss reserve model — chain-ladder, Bornhuetter-Ferguson, and development factor methods — with scenario testing, IBNR range analysis, and automated quarterly actuarial report generation.

Pre-built connectors to Flood Re, Icecat, Verisk, and weather data APIs — enriching every risk with geocoded peril scores, claims history, and market loss data for more accurate underwriting decisions.

Automated Solvency II SCR calculation, ORSA workflow, and QRT report generation from Microsoft Fabric — reducing quarterly regulatory capital reporting time from 3 weeks to 3 days.

Real-time catastrophe exposure monitoring — aggregate PML by peril, geography, and reinsurance programme — with automatic reinsurance bordereau generation and inward/outward reinstatement tracking.