# Core technology built for the speed E&S demands The E&S market runs on speed, flexibility, and regulatory precision. OneShield Market Solutions delivers a configuration-driven core platform with pre-built surplus lines content, manuscript form support, and multi-jurisdiction tax compliance, all under a single, predictable annual fee. ## Advantage ### Built for E&S From Day One Pre-configured underwriting workflows, claims frameworks, and compliance content drawn from live E&S programs. Surplus lines tax calculations and state-by-state regulatory rules are embedded in the platform. Flexible rating and manuscript forms support bespoke coverage structures, non-standard risk classes, and custom policy language. ### Scales With Growth Expand into new states, risk classes, or distribution channels without re-platforming. OMS grows with your business on a single platform, so scaling doesn't mean starting over. ### All-Inclusive SaaS Model Licensing, hosting, security, implementation, service hours, and continuous upgrades bundled under one predictable subscription fee. No variable costs. No surprise upgrade charges. ### AI-Powered Operations Submission AI extracts key data from incoming documents, reducing manual entry and accelerating review. Claims AI Assistant summarizes complex documents, surfaces key facts, and generates timelines. AI-driven reserve prediction and coverage verification with 24/7 virtual policyholder assistants. ### Proven E&S Program Experience Live surplus lines programs accelerate implementation and reduce deployment risk. ### Highly Configurable Platform Rates, forms, and workflows are tailored without custom code or additional platform fees. ### Unified System, No Silos A single platform for underwriting, billing, and claims replaces fragmented legacy technology. ### Automatic Updates Continuous upgrades included in the subscription. The platform is always on the latest version with no upgrade projects or downtime. ### Dedicated Monthly Capacity Ongoing platform optimization through dedicated service hours included in the annual fee. No fees for configuration changes. ## Functionality Highlights OneShield's policy, billing, and claims administration solutions provide the functionality E&S carriers and MGAs need to operate with speed and precision. ### Policy Built for Complex, Non-Admitted Risks Faster submission processing, flexible policy configuration, and embedded surplus lines compliance. Key capabilities: - Configurable layered program designs for complex, specialized risks requiring multi-tiered coverage structures - Manuscript form support for bespoke coverage structures, non-standard risk classes, and custom policy language - Configurable underwriting rules and authority levels, automating standard risk decisioning while routing exceptions for manual review - Full policy lifecycle management: endorsements, renewals, cancellations, and reinstatements with audit trail - Support for admitted and non-admitted products across all 50 states ### Billing Surplus Lines Tax and Fee Automation Accurate multi-jurisdiction billing, flexible payment structures, and streamlined commission management. Key capabilities: - Automated surplus lines tax and fee calculations across jurisdictions - Non-standard installment billing with multi-carrier and layered program support - MGA billing reconciliation and configurable broker commission structures - Direct bill and agency bill support with flexible, automated billing plans ### Claims Management High-Severity Claims, Handled Right Efficient high-complexity resolution, integrated defense management, and scalable catastrophe response. Key capabilities: - High-severity, low-frequency workflows with litigation tracking and defense cost management - Multi-party and layered claims handling with configurable delegated claims authority - Catastrophe surge management with automated FNOL intake and triage routing - Subrogation and recovery tracking with full financial lifecycle support ### Analytics Real-Time Visibility Into Performance Complete portfolio visibility and actionable distribution analytics. Key capabilities: - Real-time submission analytics, loss ratio monitoring, and catastrophe exposure reporting - Broker performance dashboards tracking submission volume, hit ratios, and reinsurance metrics - Embedded Power BI for self-service reporting without IT dependency ### Customer Engagement Compliance and Self-Service, Built In Regulatory compliance, policyholder self-service, and always-on support. Key capabilities: - State-by-state eligibility verification and surplus lines filing automation - Self-service portals for policyholders and partners - 24/7 virtual policyholder assistant powered by agentic AI ## AI-Powered Capabilities OneShield embeds AI across the E&S workflow, from submission intake through claims resolution. ### Submission AI Extracts key data from incoming documents, reducing manual entry and accelerating underwriting review. Submissions that meet guidelines can flow straight through to quote. ### Claims AI Assistant Summarizes complex claim documents, surfaces critical details, generates timelines, and supports intelligent querying across large files. Adjusters spend less time reading and more time deciding. ### AI-Driven Reserve Prediction Predictive models support reserve accuracy and coverage verification, reducing manual estimation and improving financial outcomes. ### 24/7 Virtual Assistant Omnie, the AI-powered virtual assistant on the policyholder portal, answers policy, billing, and claims questions around the clock. Specialized requests are automatically routed to the right team.