MWCIA: Enterprise Insurance Platform Modernisation

Insurance workflows, re-engineered.

Modern insurance applications with centralised data, role-based access and automated validations.

Insurance / Workers' Compensation
Software development
Project

90%fewer manual submissions

1,500+carriers

90Kdaily transactions

The Challenge

What stood in the way.

Before our engagement, MWCIA relied on outdated tools and fragmented systems. Manual data processing slowed insurance operations and increased the effort needed from staff, carriers and agents.

Manual assigned risk applications

Applications for assigned risk coverage were processed manually, which was slow and time-consuming for employers, agents and staff.

Fragmented policy data

Policy data was managed across separate systems, creating inefficiencies for the member carriers who report policies to MWCIA.

Outdated actuarial reporting

Annual claim financials used for ratemaking were submitted through ACCEDE, a reporting application first developed in the early 2000s.

Costly multi-user access

High licensing costs for multi-user access made it difficult to scale a centralised platform to every carrier, agent and administrator.

Our Solution

How we answered it.

We rebuilt MWCIA's core applications as connected web platforms on ASP.NET Core, ASP.NET MVC and Angular, backed by SQL Server and Oracle. Each platform validates data as it is entered, integrates with MWCIA's processing systems and gives each user group the access it needs.

ProblemPolicy transactions had to reach MWCIA's processing systems quickly and in both directions.
Our answerWe integrated MPS bi-directionally with Spectrum V2 and Spectrum V4, giving carriers near real-time transaction processing.
ProblemCarriers keep policy data in their own systems and need to move it in and out of MWCIA.
Our answerMPS imports and exports WCPOL files, the industry standard for workers' compensation data, and exports accepted transactions for record-keeping in other systems.
ProblemAnnual Calls data had to be accurate before MWCIA used it for actuarial work.
Our answerMEGACCEDE's edit package applies MWCIA's General and Basic edits during submission, so the data that feeds MWCIA's Loss Ratio and Loss Development Triangles has already been checked.
ProblemData quality depended on extensive rule checks on every transaction.
Our answerWe built validation engines into the platforms, running more than 800 validation executions per transaction.

How It Works

The parts that made the difference.

Online Assigned Risk (OAR V2)

Built with ASP.NET Core and Angular, OAR V2 lets employers and agents create, save, validate, update, submit and track workers' compensation applications online.

Manage Policy System (MPS)

Member carriers search coverage, errors and policy letters, create and submit electronic policy transactions including cancellations and reinstatements, and replace, rewrite or reissue coverage.

MEGACCEDE

Our rewrite of the legacy ACCEDE platform lets carriers submit all seven annual financial Calls required by Minnesota electronically. A built-in edit package checks that data passes MWCIA's General and Basic edits

Manage USR

Carriers create unit statistical reports and submit replacements, corrections and subsequent reports, with USR data pushed in from CDX and additional files imported directly.

Results

What changed for the client.

MWCIA now runs assigned risk, policy management, annual reporting and unit statistical reporting on connected, validated web platforms. Manual work has fallen sharply, and the data reaching MWCIA is more accurate and compliant.

90% reduction in manual policy submissions through OAR
1,500+ carriers and 5,000+ agents and employers served
90K daily inbound and outbound transactions
800+ validation executions per transaction
Annual Calls reporting streamlined with automated validations and secure submissions
Improved efficiency and data accuracy across integrated policy systems