Lifecycle coverage
Intake, indexing, administration, and communication across policy and claims.
Industry
Insurance BPO Services
Direct answer
Actigy BPO supports carriers, MGAs, TPAs, and brokers with insurance operations: claims intake and processing, document indexing, policy administration support, KYC and AML, and customer service. Work runs to your rules with QA and audit-ready records, so licensed staff focus on decisions while throughput and cycle time stay predictable.
Actigy BPO operating view: Actigy BPO runs insurance administration to the client's rules while underwriting, coverage, reserves, settlements, and licensed decisions stay with the insurer.
Common processes outsourced
Claims processing
Policy administration support
KYC & AML
Document indexing
At a glance
Insurance fact sheet
| Industry | Insurance |
|---|---|
| What Actigy runs | Claims processing, Policy administration support, KYC & AML, Document indexing, Customer & broker support, Finance operations |
| Pricing model | Per FTE by role and industry - not per transaction or by volume |
| Engagement | Managed team or staff augmentation |
| Team includes | Trained operators, a Tech Lead, and QA |
| Coverage | 24/7 follow-the-sun |
| Delivery region | Bulgaria, Romania, Poland & Ukraine (EU nearshore) |
| Controls | GDPR-compliant; ISO 9001- & SOC 2-aligned; maker-checker QA |
| Time to pilot | ~2–4 weeks after a process audit |
| You keep | Policy, approvals, and final decisions |
How does Actigy support insurance operations?
Insurance runs on document-heavy, rules-based processing across the policy and claims lifecycle. Actigy provides trained operators to handle FNOL intake, claims setup and indexing, policy administration support, and customer communication inside your core systems, so adjusters and underwriters spend time on judgment.
Regulated decisions stay with your licensed staff. Actigy prepares claims and policies to a decision-ready state, documents every step, and reports cycle time, backlog, and quality - reducing leakage and turnaround without taking on coverage, underwriting, or settlement authority.
Capabilities
What does Actigy run for Insurance?
For Insurance, Actigy runs Claims processing, Policy administration support, KYC and AML, Document indexing, Customer and broker support, Finance operations. Each workflow follows documented procedures with QA and audit-ready records, while your team keeps policy, risk, and final decisions and Actigy supplies trained operators and surge capacity.
Claims processingFNOL intake, claims data entry, indexing, and adjudication support.
Policy administration supportNew business setup, endorsements, renewals, and data maintenance.
KYC & AMLCustomer due diligence and screening for regulated insurance lines.
Document indexingClassification and indexing of claims and policy documents.
Customer & broker supportStatus updates and service across phone, email, and chat.
Finance operationsPremium reconciliation and accounts payable support.
Which insurance organizations use BPO?
- Carriers and insurers with high or seasonal claim volumes
- MGAs, TPAs, and program administrators
- Brokers needing consistent policy and claims administration
- Specialty and regulated lines requiring KYC/AML
- Operations leaders targeting lower cycle time and leakage
When does an insurance operating model fit Actigy BPO?
When Actigy BPO is a strong fit
- You want licensed staff focused on decisions, not data entry
- Claim or policy volume is high, seasonal, or event-driven
- You need consistent intake, indexing, and communication
- You need audit-ready files and QA sampling
- You want measurable cycle-time and backlog reporting
When Actigy BPO may not be the right fit
- You need licensed adjusters or underwriters to make final regulated decisions - that authority stays with you
- You are buying a core insurance platform rather than an operations team
- Your process requires on-site physical inspection that cannot be supported remotely
Why Actigy
Why do Insurance teams choose Actigy BPO?
Authority stays with you
Coverage, underwriting, and settlement decisions remain with licensed staff.
Predictable cycle time
Documented workflows keep claims and policies moving with visible backlogs.
Leakage and SLA reporting
Cycle time, backlog, and quality reported against your service standards.
Delivery method
How does Actigy launch a BPO team?
From process audit to scaled delivery, with controls matched to your sector.
- 01
Process audit
We map policy, claim, document, customer, finance, and compliance queues by carrier, MGA, TPA, or broker authority.
- 02
SOP & KPI design
We define file evidence, diary dates, status rules, licensed decision points, escalation reasons, and audit-note fields.
- 03
Team selection
We select insurance operations staff for the product line, workflow, systems, service hours, and document complexity.
- 04
Training & knowledge transfer
Training uses the client's policy administration, claim, CRM, document, and compliance procedures with authority tests.
- 05
Pilot
The pilot uses routine files and exceptions so the insurer can test routing, completeness, timeliness, and retained authority.
- 06
Scale
Capacity expands by queue and product line after the insurer accepts quality, backlog visibility, and control evidence.
- 07
Continuous improvement
Monthly reviews track cycle time, incomplete files, missed diary risk, routing defects, complaints, and process changes.
Insurance processes and specialist service pages
Services
Industries
Resources
Visibility
Which insurance operating reports will you receive?
Outsourcing insurance operations should make quality more visible, not less. Actigy reports on the numbers that matter and reviews them with you on a fixed cadence, so the operation stays accountable. The same discipline applies whether you run lean or at enterprise Healthcare & Clinics scale.
- Insurance file-completeness samples by policy, claim, document, and operating queue
- Cycle time, diary performance, and approved status-message service levels
- FNOL, claim-file, policy, document, complaint, and escalation backlog by age
- Routing and evidence defects with the insurance procedure or training change
- An insurance operations review with queue owners and retained decision makers
Engagement model
How is insurance operations capacity priced?
Actigy prices insurance operations on a transparent staffing model tied to scope, volume, and complexity - the cost-to-quality ratio, not an opaque per-transaction markup. Many teams run it alongside insurance claims outsourcing and kyc outsourcing under one delivery team, with a single point of contact.
Start with a pilot
A scoped, paid pilot proves quality and throughput before you commit to full volume.
Staffing-based pricing
You see the team, the roles, and the cost. Capacity flexes up or down with your volume.
You own the documentation
SOPs and process knowledge stay yours, which keeps switching costs low and cuts key-person risk.
Clean exit and transfer
If you wind the engagement down, Actigy returns current documentation and supports knowledge transfer.
See how Actigy would run your insurance operation
Get in touch and we'll assess scope, complexity, staffing, and delivery cost - then propose a pilot to prove quality before you scale.
Insurance operating model
Which insurance operations can a carrier, MGA, TPA, or broker outsource?
The insurance industry page covers the operating model around a policy and claim. Suitable work can include policy-document checks, data intake, document indexing, first notice of loss support, claim-file preparation, status communication, KYC and AML support, payment reconciliation support, and customer service.
Actigy BPO runs the approved administrative process. The insurer keeps underwriting, coverage interpretation, reserve policy, claim liability, settlement, payment release, complaint decisions, and every licensed or regulated judgment.
Buyers should map the handoff by entity type. A carrier, MGA, TPA, and broker do not hold the same authority. The scope must name the system of record, decision owner, evidence needed, service level, and escalation for each queue. Use the insurance claims outsourcing page when the search intent is the claim lifecycle itself.
Insurance entity map
How does the BPO scope change for a carrier, MGA, TPA, and broker?
A carrier owns the insurance risk and usually keeps underwriting, coverage, reserves, claim outcomes, payment authority, and regulatory accountability. An MGA may hold delegated underwriting or administration authority under a carrier agreement. A TPA can administer defined policy or claim processes. A broker represents distribution and customer placement. The contract must follow the authority of the actual buyer. A generic insurance workflow is not enough.
For a carrier, Actigy BPO can support policy documents, claim intake, file preparation, customer status messages, finance administration, and approved compliance queues. For an MGA, the scope can add delegated administration tasks but must state every carrier rule and authority limit. For a TPA, work must follow the client agreement, product, jurisdiction, and claim authority. For a broker, useful queues can include submission preparation, renewal administration, document checks, customer service, and commission-reconciliation support.
The operating record should identify the legal entity, product, jurisdiction, policy or claim number, source system, authority owner, required evidence, deadline, and escalation reason. Complaint language, fraud indicators, litigation, sanctions risk, coverage ambiguity, reserve changes, settlement, denial, and payment release must route to the retained owner.
This industry model connects policy administration, claims, compliance support, finance operations, and customer service. The insurance claims service page has a narrower purpose: it explains how to run the administrative claim lifecycle from FNOL through file preparation and status support.
FAQ
Frequently asked questions
What insurance processes can Actigy handle?
Actigy handles claims intake and processing, document indexing, adjudication support, policy administration support, KYC and AML for regulated lines, customer and broker service, and finance operations such as premium reconciliation and accounts payable.
Will Actigy make coverage or settlement decisions?
No. Coverage, underwriting, and settlement authority stay with your licensed adjusters and underwriters. Actigy prepares claims and policies to a decision-ready state and documents the workflow, but it does not make regulated decisions.
Can Actigy scale for seasonal insurance volume spikes?
Yes. Event-driven and seasonal volumes are a strong fit. Actigy scales intake and processing capacity for the surge and returns to steady-state, keeping cycle time and backlog under control.
Is Actigy suitable for regulated insurance lines?
Yes. For regulated lines, Actigy runs KYC and AML with controls and audit-ready documentation, while accountability for risk and regulatory decisions stays with your compliance function.
Outsource the process. Keep control of the outcome.
Tell us what process you want to outsource. Actigy will assess scope, complexity, staffing model, and delivery cost.