Ship faster claims, smarter pricing, and zero compliance debt.
CoralUnity embeds engineers with deep insurance domain experience, from ACORD-compliant policy administration to ML-driven actuarial pricing, who help carriers cut claims cycle time, improve loss ratios, and deliver a digital experience policyholders actually use.
Talk to an ExpertChallenges we know how to solve
Claims that drag for weeks and kill NPS scores.
J.D. Power data shows claims satisfaction drops 40 points when settlement exceeds 10 days. Every week of delay is a cancellation risk and a social review waiting to happen. CoralUnity deploys straight-through processing workflows that auto-close eligible claims in under 48 hours, without adding headcount.
Pricing models that are already wrong before they go live.
Traditional actuarial models take 6-12 months to update, leaving carriers exposed when loss trends shift. CoralUnity builds ML pricing engines that ingest telematics, weather, and economic signals continuously, so your rates reflect this quarter's risk, not last year's.
Portals your agents log into once and never touch again.
A portal with 12% agent adoption is a liability, not a product. The root cause is always the same. Workflows were designed around system architecture, not how agents actually work. CoralUnity embeds UX research into every build and measures adoption at 30, 60, and 90 days, iterating until it sticks.
What we build for your industry
Policy Administration Systems
We build ACORD-aligned, cloud-native policy lifecycle platforms with real-time quoting engines, automated endorsement processing, and ISO form libraries. Carriers go from submission to issued policy in under 90 seconds at scale.
Intelligent Claims Automation
Claims automation systems we build combine NLP-based FNOL intake, computer vision for damage assessment, and rules-based straight-through processing to auto-adjudicate low-complexity claims. Adjusters handle exceptions, not paperwork.
ML Actuarial Pricing Engine
We deploy gradient boosting and GLM hybrid models trained on telematics, third-party data, and historical loss runs to deliver risk scores that outperform traditional actuarial tables. Pricing updates in real time without manual actuarial cycles.
Policyholder Self-Service Portal
Omnichannel portals built for adoption. Policyholders can submit FNOLs, look up coverage, upload documents, and track claim status in real time, all without calling an agent. Designed to reduce inbound call volume by 35% within 90 days of launch.
Broker & MGA Integration Layer
REST and ACORD XML APIs that sync policy data, commission statements, and claims status between carriers, MGAs, and distribution platforms in real time. Eliminates dual-entry errors and cuts reconciliation overhead by 60%.
Regulatory & Solvency Compliance
Architecture built for NAIC model law compliance, state DOI filing requirements, and Solvency II equivalency where applicable. Full audit trails, immutable ledger logging, and automated XBRL regulatory reporting out of the box.
Results from the field
“CoralUnity rebuilt our FNOL-to-payment workflow in 14 weeks. We went from an 18-day average settlement to under 4 days on auto claims, and our combined ratio improved by 2.1 points in the first quarter. The ML triage model alone eliminated 60% of manual adjuster touches.”
— VP of Claims Operations, Top-20 Personal Lines Carrier
What's your next technical challenge?
We work embedded in your team from day one. No generic consulting, no overhead. Just real delivery with measurable results.