The Intelligent Core Advancing Modern P&C Insurance
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Enterprise Depth. Global Scale.
Core Products
The Core Built to Unlock Intelligence at Scale
Duck Creek Policy
Adapt with Speed. Scale with Ease.
Trusted by leading insurers worldwide to accelerate product innovation, elevate underwriting accuracy, and deliver policies faster.
- 5 seconds to produce tailored quotes; in-force policies in 5 minutes
- 70% reduction in time to update rates and factors
- Up to 75% reduction in product costs and delivery time
Duck Creek Rating
Price with Precision. Model for Speed.
A highly configurable rating engine designed to deliver accurate pricing, adapt instantly to market changes, and scale seamlessly.
- 45 days to go live with pre-defined commercial products
- 750,000 quotes processed per day
- 70% reduction in rate change deployment time
Duck Creek Billing
Smarter Billing. Better Financial Outcomes.
A flexible billing platform designed to help insurers get paid faster, streamline customer experiences, improve cash flow, and deliver real‑time financial visibility.
- 80% of critical customer service questions addressed on one screen
- 100+ EFT payments processed per second
- 2K+ invoices generated per minute
Duck Creek Claims
Modern Claims. Measurable Impact.
A proven claims solution that reduces leakage, shortens cycle times, and delivers consistent, empathetic experiences across every claim.
- 30 Million+ claims processed via Duck Creek OnDemand
- <1 days to make an assignment or rule change
- Scaled to 60,000+ claims per day during a CAT event
Beyond the Core
Start Anywhere. Gain Momentum Everywhere.
Unlike many P&C insurance software products, Duck Creek goes beyond the core to strengthen every part of your workflow. Unlock a flywheel of connected products that build momentum across your entire enterprise, including:
- Embedded Payments
- Reinsurance
- Distribution Management
- Loss Control
Industry Solutions
Built for the Complexity of Global Insurance
Engineered for Commercial Demand
- Consistent multi‑state and multi‑segment handling
- Accurate high-variance endorsements with rating precision
- Rapid product launches with integrated bureau content
Meet Customers at the Point of Sale
- Reduced acquisition and distribution costs
- Low-friction shopping experiences
- Accurate coverage at the right moment
Smarter Protection for Every Home.
- Tailor coverage to insured’s needs with unified data streams
- Enable self-service for homeowners and producers
- Efficiently service customers with streamlined workflows
Modern coverage, built at the pace of care.
- Consistent handling for complex clinical scenarios
- Low-code configuration of MPL policies
- Unified view of facilities, providers, and exposures
Personal Auto That Adapts as Fast as Your Drivers
- Personalized, multichannel experiences, boost engagement
- Automated workflows across the policy lifecycle
- Real‑time pricing across all driver risk tiers
Insurance Coverage Without the Fluff
- High-volume intake, claims without slowing service
- Real-time pricing across breed, age, pet-level risk factors
- Boost satisfaction with fast, simple claims and policy updates
Manage Exposure. Expand Coverage. Enter Complex Markets.
- Quicker submissions, endorsements, workflow triage
- Consistent performance across programs, underwriting appetite
- Faster entry and growth in emerging markets
Protect Workers. Accelerate Recovery.
- Reduced losses with proactive risk management
- Faster FNOL, medical review, claims for quicker RTW
- Accurate decisions across multi-jurisdictional programs, complex filings
Unmatched Speed to Value
Launch Products Quickly, Adapt Instantly
Speed is the business model. Carriers can’t wait on slow product cycles, rating rebuilds, or multi‑state updates. They need insurance core systems that keep pace with the market.
With P&C product depth and low-code extensibility built directly into the core, insurers evolve products without breaking processes, fragmenting systems, or slowing down operations. Products, rating, and workflows all live in one always‑current platform, so carriers launch in days, adjust in real time, and respond to change without disruption.
The outcome: intelligent insurance software for faster launches, instant adjustments, continuous innovation.
Act with Precision. Grow with Confidence.
Sharper pricing. Smarter underwriting.
Precision drives profitability. Carriers can’t grow on fragmented data or outdated models. They need transparent intelligence that reflects the true complexity of their book.
By unifying data, workflows, and embedded intelligence across the entire value chain, insurers gain a real‑time, end‑to‑end view from submission through claims. Underwriters select and price risk more accurately. Operations execute with greater speed and consistency. Claims decisions reduce leakage and loss costs.
The result: true insight, smarter decisions, and profitable growth
Frequently Asked Questions
Duck Creek stands out from other P&C insurance software companies because it delivers both the system of record and the system of intelligence for P&C insurance.
Our connected, built-for-insurance platform unifies policy, rating, billing, claims, and a broad suite of integrated products including:
- Distribution Management
- Reinsurance
- Embedded Payments
- Loss Control
Everything works together with real-time intelligence, so insurers can launch products faster, adapt instantly, and innovate continuously.
With deep P&C expertise and embedded AI, carriers improve decision-making, reduce technical debt, and eliminate traditional upgrades through an always-current SaaS model. That’s why hundreds of insurers rely on Duck Creek for a scalable foundation that delivers measurable business impact.
Learn more: The Intelligent Core Roadmap: How Carriers Move from Maintenance to Measurable Impact
An Intelligent Core is a suite of P&C insurance software solutions unified with an agentic platform. It combines deep P&C expertise with advanced AI to serve as both the system of record and the system of intelligence for P&C carriers.
Instead of bolting intelligence on, the Intelligent Core embeds real-time data, automation, and connected intelligence directly into its foundation. Unlike modern cores that simply digitize workflows, an Intelligent Core learns, adapts, and executes across the insurance lifecycle, growing smarter and more effective over time.
It automates decisions responsibly, powers agentic workflows, and supports continuous evolution across policy, rating, billing, claims, and beyond. All while keeping humans in the loop for oversight and judgment.
Learn more: AI in Insurance Only Works When Your Policy Administration System Can Keep Up
Duck Creek speeds product launches by replacing slow, code-heavy development with low-code tools and pre-built insurance content.
Traditionally, when a carrier wants to launch a new commercial product, disconnected workflows and manual handoffs accumulate into months of rework, delay, and lost market opportunity.
When the same carrier uses Duck Creek: we do it faster
- A product manager opens the low-code configuration tools and loads a pre-built bureau template that already includes core ISO/NCCI/AAIS definitions.
- Actuarial adjusts rates directly in the UI, and the change propagates instantly across quoting, policy, and billing.
- Pre-configured rules and forms appear automatically, requiring only carrier-specific tweaks.
- IT focuses only on differentiation, not boilerplate code.
Instead of months of buildout, the product goes from concept → testing → launch in a matter of weeks. In fact, clients report up to a 75% reduction in launch time.
Learn more: GAINSCO cut launch time for entering a new state from 15 months to 16 weeks using Duck Creek OnDemand
Yes. Duck Creek Cloud Delivery eliminates upgrades entirely and dramatically reduces technical debt.
What Duck Creek does:
- Always-current, cloud-native platform. No more major upgrades or patches.
- Active Delivery handles infrastructure, environments, maintenance, performance, and the full release cycle.
- New features, bureau updates, and enhancements flow in automatically, without disruption.
What this means for insurers:
- No upgrade projects. Ever again.
- Up to 95% reduction in operational overhead.
- IT is freed from maintenance to focus on innovation and customer experience.
- No more multi-year backlog of outdated code, brittle integrations, or catch-up releases.
Why it matters:
Duck Creek transforms insurance core systems from something you maintain into something you operate at scale, continuously. Without the cost, effort, or disruption of traditional upgrades.
Learn more: From Build vs. Buy to Operate at Scale: Where Duck Creek OnDemand Fits
Across the Duck Creek ecosystem, carriers consistently achieve meaningful performance gains—from faster launches to higher satisfaction and major efficiency improvements.
These are just some of the results insurers report across our products.
- Streamlined product launch cycle from a few months to just four weeks.
- A 60% reduction in administrative support time needed to manage workflows.
- Cut average transaction processing time by 50%.
- Reduced first-response time to customer inquiries by 80%.
- 230% ROI driven by improved efficiency and productivity.
Learn more: See how carriers achieved these results in our customer case studies.
Duck Creek integrates seamlessly with your existing ecosystem through open, API-first architecture and a robust library of pre-built integrations—making it easy to connect data, services, and insurtech partners without custom code.
How integration works
- Open, API-first architecture with 2,600+ APIs for connecting policy, billing, claims, digital, and external systems.
- 100+ pre-built partner integrations (geolocation, data pre-fill, MVR, e-signature, payments, analytics, and more), fully supported and maintained by Duck Creek.
- Low-code configuration to ingest third-party data, orchestrate workflows, and update rules without heavy engineering.
- OnDemand-managed integrations with automatic updates to ISO, AAIS, NCCI, and partner services—no maintenance burden.
The result: Faster connections. Fewer internal dependencies. An ecosystem that scales and evolves without adding technical debt.
Learn more: The Future of Insurance Will Be Written by Carriers Who Modernize Their Core
