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Insurance Carriers

Enterprise Claims Management for Insurance Carriers

Complete lifecycle control. Real-time visibility. Full regulatory compliance.

ECode Pro gives insurance carriers the operational infrastructure to manage claims at scale — with authority controls, reserve management, diary compliance, vendor oversight, and the real-time analytics that leadership and regulators demand.

$2.1M
Reserve accuracy improvement in first year for carrier customers
40%
Average reduction in days to close
Zero
Out-of-authority payment incidents after ECode Pro implementation
45 days
Average implementation time vs. 14 months for legacy platforms
The Challenge

Legacy Platforms Are Costing You More Than Their Licensing Fees

Out-of-authority payments discovered during quarterly audit rather than prevented in real time
Reserve changes documented as free-text notes with no structured rationale or approval chain
Diary compliance tracked manually — leading to missed statutory deadlines and bad faith exposure
Leadership making decisions on 48-hour-old reports assembled from manual data extraction
Vendor payments delayed and W-9/COI documentation scattered across email and shared drives
Implementation projects for legacy platforms consuming $500K+ and 12 to 18 months before first claim
The ECode Pro Advantage

Operational Infrastructure That Matches Your Regulatory Obligations

Authority controls enforced before any payment or reserve change can be submitted
Immutable audit trail on every action — reserve changes, payment approvals, coverage decisions
State-specific diary requirements calculated and enforced automatically for every claim
Platform Features

What Insurance Carriers Need From Their Claims Platform

Every feature below is included in your ECode Pro subscription — no add-ons, no extra tiers.

Authority enforcement before the fact, not after

ECode Pro blocks out-of-authority payments and reserve changes at submission — not at audit. When an adjuster attempts a payment above their limit, the request is automatically routed to the appropriate approver. No out-of-authority incidents to explain at your next examination.

Reserve management with complete documentation

Every reserve change requires a structured reason code plus free-text explanation. The approval chain is documented. Indemnity and expense reserves are tracked separately. Reserve adequacy alerts fire before under-reserving becomes a pattern.

Real-time analytics for leadership and regulators

Cycle time by adjuster, compliance rates by carrier line, severity trends, reserve development, adjuster performance — all in real time on live dashboards, not in a Thursday morning report assembled by an analyst.

Diary compliance enforced, not reminded

State-specific contact deadlines, reserve reviews, and coverage decision timelines are calculated at claim creation and tracked automatically. Alerts fire 48 hours before every deadline. Supervisors see overdue items the moment they occur.

Vendor oversight that reduces payment risk

Contractor assignments, invoice approval, W-9 collection, and COI verification all managed in ECode Pro. Vendors cannot be paid if their compliance documents have expired. Every payment has a documented approval trail.

Implementation in 45 days, not 14 months

ECode Pro goes live in 30 to 60 days for most carrier implementations. Our structured onboarding covers workflow configuration, authority matrix setup, carrier-specific reporting, and team training — without the consultant army that legacy implementations require.

We had a department of insurance examination last year. The examiner asked for diary compliance documentation on 250 claims. We pulled the complete package — every entry, every timestamp, every action — in under 20 minutes. The examiner said it was the most organized compliance response they had seen.

Patricia M.
Chief Claims Officer
What Customers Experience

What Carrier Customers Experience After Going Live

Zero out-of-authority payments from the first month on platform
Reserve accuracy variance dropped from 38% to under 20% in 12 months
Regulatory examination preparation time reduced from 5 days to under 4 hours
Average days to close reduced 40% across all lines within 6 months
Adjuster utilization variance across the team reduced from 54 to 12 percentage points
Implementation completed in 45 days — 9 months faster than the legacy platform it replaced
See ECode Pro for Insurance Carriers →

Frequently Asked Questions

Questions insurance carriers ask before their demo.

ECode Pro supports separate workflow configurations, authority matrices, and reporting by line of business. Personal lines, commercial lines, specialty, and workers comp can each have distinct claim types, diary requirements, and approval chains.
Yes. ECode Pro's configuration is handled through an admin panel — not code. Your operations team can adjust workflows, update authority matrices, add claim types, and create reporting templates without involving developers or consultants.
State-specific diary requirements, contact timelines, and response deadlines are built into ECode Pro and applied automatically based on the loss state. When regulations change, we update the requirements and notify affected customers.
We start with a structured discovery call to map your current workflow, authority matrices, claim types, and reporting requirements. Configuration takes 2 to 4 weeks. Training and parallel testing follow. Most carriers go live in 45 days.
Yes. Enterprise carrier customers can deploy ECode Pro under their own branding — custom domain, branded login screen, and custom color scheme. All ECode Pro branding is removed.

See How ECode Pro Handles Carrier-Scale Operations

Book a 30-minute demo built around your organization type, your claim volume, and your current challenges.

Book a Free Demo →