PROPERTY & CASUALTY

Built for the Way P&C Teams Actually Work

Coherent turns Excel-based rating, reserving, and underwriting models into governed, connected workflows. Launch new products 60% faster, reduce operating costs and risks, and retain more customers—all without leaving behind the tools your teams already know.

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Is It Possible to Modernize P&C Without Leaving Excel?

Every point of COR matters. But most carriers still rely on spreadsheets and manual processes that slow product launches, drive up costs, and create risk in pricing and underwriting.

Coherent makes modernization faster and less disruptive by externalizing the Excel-based logic your teams already know and trust. With Coherent, P&C insurers apply automation, intelligence, and governance to lower operating costs, improve renewal rates, and accelerate premium growth across every line of business. That’s why 6 of the top 10 P&C carriers run on Coherent.

~800% Performance Boost

Run models 8x faster with reusable logic and governed execution. Price more accurately, test more scenarios, and respond to market shifts before they hit your bottom line.

25% Revenue Uplift

Accelerate pricing updates and product rollouts to capture premium growth opportunities before the competition.

21.5+ Months of Dev Time Saved

Replace multi-quarter rebuilds with same-day deployments. Free actuarial and IT capacity for more strategic projects.

$740K+ in Avoided Costs

Lower operational spend with reusable APIs that eliminate duplicate builds and ongoing maintenance.

COHERENT SPARK

Turn pricing models into production-ready systems

Move faster from logic to live—without losing what makes your pricing unique. Coherent converts your Excel-based models into scalable APIs that plug directly into quoting tools, portals, policy admin systems and other core systems. No rebuild or rewrites required.

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Launch New Products Faster

Deploy Excel rating logic as APIs that integrate with systems like Duck Creek or Guidewire in weeks instead of quarters.

Make Mid-Cycle Updates Instantly

Publish changes directly from Excel—safe, quick, governed, and IT-approved.

Enable Digital Partnerships

Reuse your models to power broker portals, embedded insurance, and API-led distribution.

INSIGHTS

See the intelligence hiding in your spreadsheets

From orphaned files to outdated formulas, get a complete map of the models driving your business in minutes, not months. Coherent gives you a clear view of where your existing spreadsheet IP and data live and how it's being used.

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Inventory Your Excel Models

Instantly map usage patterns, dependencies, and owners across business units and product lines.

Spot Errors Before They Hit Production

Identify high-risk formulas, outdated references, and duplicate logic buried in spreadsheets.

Prioritize What to Modernize First

Focus transformation efforts on the models that carry the most impact on COR or growth.

CONTROL

Govern your models without adding red tape

Coherent provides enterprise-grade oversight by enforcing version control, access permissions, and auditability at scale—letting actuaries and underwriters continue working in Excel.

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Set Guardrails without Slowing Teams

Give business users the freedom to iterate, with workflows that ensure only approved logic goes live.

Track Every Change Automatically

All edits, approvals, and deployments are versioned and logged. No more “final_final_v2.xls”.

Future-Proof Your Models

Governed logic that connects seamlessly to today’s systems and tomorrow’s AI workflows.

Global P&C Carrier Group Benefits Carrier

60% Faster Speed to Market

A top global P&C carrier replaced months of manual rebuilds with governed APIs that launch Excel rating logic instantly across systems.

The Challenge

Manual rebuilds of Excel models into multiple systems created delays, duplicate work, and inconsistencies across rating environments.

The Solution

Coherent Spark enabled direct Excel deployment across regions, reducing time-to-market by 60% and removing dependence on manual IT projects.

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9 Months Faster and $450K Saved

A fast-growing group benefits carrier replaced manual spreadsheets and hand-coded rate logic with Spark-powered quoting in Salesforce.

The Challenge

Sales teams relied on disconnected spreadsheets to generate quotes, slowing down response times and increasing operational risk.

The Solution

Coherent integrated Excel rating logic into Salesforce, enabling dynamic updates, cutting delivery time by 9 months, and saving $450K.

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Connect Coherent to the Tools That Power Your Business

Coherent works seamlessly with your existing tech stack—from PAS and CRMs to analytics and data warehouses. With integrations for Duck Creek, Guidewire, Salesforce, and Snowflake, your business logic flows wherever it’s needed.

Unite Business & IT
Around What Matters

Rating

Publish pricing updates directly from Excel to core systems instantly—speeding up filings and product launches.

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Claims Reserving

Govern reserving logic with full version control, auditability, and reuse across lines of business.

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Actuarial Modeling

Run stochastic tests, analyze scenarios, and standardize assumptions without rebuilding your models.

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Turn Core Logic Into Competitive Advantage

Leading P&C insurers are already using Coherent to launch faster and modernize without disruption. Want to see how?

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Frequently Asked Questions

What’s the fastest way for P&C insurers to launch new products from Excel rating models?

The fastest way is with Coherent Spark, the automation and intelligence platform built for insurers. Spark converts Excel-based pricing and rating models into live APIs that integrate with policy admin systems, quoting tools, broker portals, and claims platforms. Instead of rebuilding models in code, actuaries and product teams can publish updates straight from Excel—cutting launch timelines by over 60% and eliminating the IT backlog that slows product launches.

How can insurers reduce errors in rating logic before deploying to production?

The best approach is using Coherent Insights to scan Excel models and automatically detect high-risk formulas, broken references, duplicate logic, and even exposed PII. Coherent builds a complete map of models, owners, and dependencies, so issues are flagged before they hit downstream systems. This gives actuaries and underwriters confidence that rating updates are accurate, compliant, and production-ready—protecting loss ratios and avoiding costly rework downstream.

How does Coherent fit into existing P&C systems?

Coherent is designed to integrate directly with policy admin, quoting, claims, and analytics platforms—including Duck Creek, Guidewire, Salesforce, Snowflake, and Majesco. By turning Excel logic into modular microservices, Coherent allows P&C insurers to modernize rating and underwriting processes without replacing their core systems or investing in costly custom development. Coherent fits into your existing architecture, extending the value of platforms you already use.

What makes Coherent different from other modernization tools?

Unlike traditional modernization platforms that require a full rebuild, replatforming, or heavy IT resourcing, Coherent reuses the business logic your teams already trust. It transforms Excel models into governed, production-ready APIs without disruption. This means actuaries can launch products faster, underwriters can apply rates more flexibly, and IT can reduce development and resourcing costs by over $750K while ensuring compliance. Coherent’s platform delivers speed and control without sacrificing accuracy or transparency, setting it apart from black-box or code-heavy alternatives.

What are best practices for modernizing Excel models in P&C insurance?

Best practices center on reusing trusted models, applying governance, and integrating with existing systems rather than starting from scratch.

Coherent enables P&C insurers to:

Reuse the rating and underwriting models already built in Excel, avoiding costly rebuilds.
Apply governance with version control, audit trails, and approvals so changes are always tracked.
Deploy models as APIs that connect directly to policy admin, quoting, and claims platforms.
Continuously monitor for errors, dependencies, and risks across the spreadsheet estate.

This approach lets insurers modernize faster, experiment with niche markets, reduce risk, and keep actuaries and underwriters working in the tools they know best—while IT ensures scalability and compliance.

Built for the Way P&C Teams Actually Work

Trusted by Leading Global P&C Insurers