Front- and back-office insurance automation platform for a multi-line non-life insurer
We delivered an integrated insurance automation platform for Insurance Company Europolis that connected front-office sales and servicing with back-office underwriting, operations, reinsurance support, and finance. The system digitized the end-to-end lifecycle of non-life insurance policies—from quotation and issuance through endorsements, renewals, claims handling, and reporting—giving staff a single source of truth and significantly reducing manual work
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Quick facts
  • Engagement: 2015 → 2021
  • Client: Insurance Company Europolis, Ukraine
  • Focus: Front-office and back-office systems automating core insurance business processes
  • Lines of business: Property, motor, medical, accident, cargo, financial risks, liability, agro and other non-life products
  • Platform: Web-based front-office and back-office portals with centralized policy and claims data
  • Tech stack: Java, Spring, JSF, MS SQL, RabbitMQ
Client info

Insurance Company Europolis was a Ukrainian non-life insurer and reinsurer with more than two decades of presence on the market. Originating in the mid-1990s and later reorganized as a reinsurance company, Europolis operated from its head office in Kyiv and served both retail and corporate customers nationwide.

The company specialized in risk-based products rather than life insurance, covering a wide spectrum of voluntary and mandatory lines: property insurance, motor (including compulsory motor third-party liability), voluntary medical insurance, accident insurance for individuals and special categories (such as passengers and athletes), cargo and baggage, financial and credit risks, agro risks, and various types of liability insurance for individuals and businesses. Europolis also provided reinsurance capacity for other insurers, helping them share and manage large or complex risks.

Challenge
  • Fragmented processes and tools
  • High manual workload and operational risk
  • Limited support for broad product portfolio
  • Slow and error-prone reporting
  • Need to prepare for tightening regulatory expectations
Solutions
  • Front-office: agent and internal sales workspace: Web-based portal for agents and in-house sales teams built on Java, Spring, and JSF. Guided quotation and policy issuance flows for key product families (motor, property, health, accident, cargo, financial risks, and liability). Centralized customer and policy profiles, including history of changes and documents. Automated generation of policy documents, schedules, and certificates in standardized templates.
  • Back-office: underwriting, operations, and claims: Back-office portal for underwriters and operations staff with access to all in-force and historical policies. Configurable underwriting rules to support different risk segments and product types. Claims module covering first notification of loss (FNOL), claim registration, assessment, decisions, and payment preparation. Workflow states and task queues to monitor processing times, responsibilities, and approvals.
  • Data and integrations: MS SQL-based central database consolidating policies, claims, customers, and financial data in one place. Messaging and asynchronous processing via RabbitMQ for tasks such as document generation, notifications, and batch calculations. Interfaces to surrounding systems (e.g., accounting, document management, and partner or aggregator channels where applicable).
  • Reporting and transparency: Standardized management reports for portfolio monitoring by product line, region, and channel. Support for preparing regulator-ready data extracts and summaries based on the centralized database. Audit trails for key operations, including policy changes and claims decisions, improving control and traceability.
  • Delivery approach and collaboration: Multi-year roadmap broken into phases, allowing Europolis to onboard product lines and departments gradually. Close collaboration with business stakeholders and subject-matter experts to align workflows with real-world underwriting and claims practice. Continuous improvements informed by feedback from branches and back-office users over the course of the engagement.
Technologies
Java
JSF
MS SQL
RabbitMQ
Spring
Business impact

The new platform helped Europolis improve the way it managed its broad non-life portfolio and reinsurance activity across Ukraine:

  • Higher operational efficiency
  • Significant reduction in manual re-entry of data between front-office and back-office teams.
  • Faster cycle times for policy issuance, endorsements, renewals, and claims handling thanks to unified workflows.
  • Better control and consistency
  • Single, centralized policy record reduced discrepancies between branches and channels.
  • Standardized documents and automated rules improved compliance with internal policies and external regulations.
  • Improved visibility into portfolio and risks
  • Consolidated reporting gave management clearer insight into written and earned premium, loss ratios, and segment performance.
  • Easier identification of problematic segments and trends supported more informed underwriting and product decisions.
  • Stronger foundation for partnerships and growth
  • A modern web platform and clear data model made it easier to discuss integrations with partners, brokers, or aggregators.

The organization had a more scalable operational backbone to support new products or channels.

Team
  • Project Manager
  • Business Analyst
  • 3 Software Developers
  • 1 QA Engineer
  • Product owners and subject-matter experts on the client side
Looking to modernize your insurance operations, connect front-office sales with back-office underwriting and claims, or prepare your company for stricter regulatory and reporting demands?
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