# Elevate your personal lines business with advanced technology In the evolving personal lines landscape, insurers face intensified competition, shifting customer preferences, and emerging risks, compounded by regulatory complexity. Automating policy administration and streamlining claims handling enables insurers to operate more efficiently. A modern core platform empowers insurers to offer customized policies, effectively manage risks, and provide superior customer experiences, reinforcing their competitiveness and resilience in the insurance sector. **That’s where OneShield comes in.** ## Advantage ### Enhanced Digital Engagement OneShield’s platform includes customer portals that empower policyholders to self-serve. Customers can access policy information, make payments, report claims, and communicate with your team seamlessly. ### Configurable Policy Options Adapt to ever-changing customer and market needs with configurable policy options and coverages supported and presented in an intelligent and efficient workflow. Easily manage policy changes, endorsements, and renewals to keep up with evolving customer requirements. ### Multi-Channel Distribution Our solution supports multi-channel distribution, allowing you to sell policies through agents, brokers, online platforms, and more. Adapt to changing market dynamics and customer preferences with ease. ### Analytics for Informed Decision-Making Leverage real-time data analytics to gain insights into customer behavior, market trends, and underwriting risks. Make informed decisions and refine your business strategy. ### Configurability for Your Brand Maintain your brand identity and create a personalized customer experience. Our team can work with you to tailor the application to reflect your unique brand and customer service approach. ### Single Platform Our robust suite of insurance software solutions, encompassing policy, billing, rating, and claims capabilities, is seamlessly integrated into a unified platform for streamlined operations and enhanced efficiency. ### Leverageable Content Supporting 60+ lines of business, our configurable solution offers prebuilt content and reusable workflows. It adapts to changing business needs while ensuring flexibility for company differentiation. With automated rules and workflows, we streamline the end-to-end insurance lifecycle for efficient straight-through processing. ### Implementation Success Rapid delivery of a Minimum Lovable Product (MLP) through the effective fusion of our technology and deep insurance domain knowledge, ensuring swift speed-to-value for clients. ### All-Inclusive Pricing Model Our annual license fee can encompass software, maintenance, hosting, implementation, upgrades, and a managed service plan. This pricing model alleviates variable fees, such as large upfront implementation costs and upgrades, in favor of a predictable annualized price. ## Functionality Highlights OneShield's Policy, Billing, and Claims Administration Solutions provide some unique functionality tailored to the needs of Personal Lines insurers. Beyond the core features, here are some key highlights: ### Policy #### Policy Management Key functionality: - Streamlined underwriting and policy issuance - Ability to override premiums at the policy, coverage, and rate factor level - Moratorium and suspension automation - Seamless endorsement management for policy changes - Easy maintenance allows for reusability across products and programs - Tools to streamline the processing of large schedules of assets - Manage customer data at an account and policy level - Reinsurance tracking capabilities ### Billing #### Billing and Accounting Key functionality: - Flexible billing options to accommodate various payment preferences - Integration with accounting systems for accurate financial reporting - Automated invoice generation and premium calculations ### Claims #### Claims Management Key functionality: - Customer-friendly claims reporting and tracking - Efficient claims intake and processing via a web portal, email, or manual entry - Agency and customer portals for reporting and tracking loss statuses - Integration with third-party claims adjusters and repair services - Automated coverage identification based on loss information - 360-degree claim summary view - Swift and transparent claims processing - Assignment administration to internal and/or external parties through tasks, diaries, notes, etc. ### Analytics #### Analytics & Reporting Key functionality: - Real-time data analytics for risk assessment and market insights - Data-driven decision-making for profitable growth - Comprehensive reporting to monitor performance and customer behavior ### Customer Engagement #### Customer Engagement Key functionality: - Self-service portals for policyholders to access information and perform actions - Personalized communication to enhance customer relationships - Uncredentialed consumer portal for anonymous quoting - High customer satisfaction and retention rates ## Client Success ### From Startup to Market Leader: The Journey of PURE Insurance *Jason Lichtenthal, SVP & CIO, PURE Insurance* Learn More [Learn More](/content/case-studies/3-key-enhancements-bring-efficiency-and-growth-1/index.html) ### Related resources Explore how personal lines teams run on OneShield: - [PURE Insurance Extends Its Long-Standing Relationship with OneShield, Signing New Five-Year Deal](/content/knowledge-hub/pure-insurance-extends-deal/index.html)