财产险的未来：基于云的核心保险平台

保险业正在经历一场深刻的变革。尤其是财产和意外伤害 (P&C) 保险公司，正在采用技术来跟上不断变化的消费者需求、日益复杂的风险以及快速变化的市场环境。这一转型的一个关键要素是从遗留系统向基于云的现代核心保险平台的转变。

The insurance industry is undergoing a profound transformation. Property and casualty (P&C) insurance companies, in particular, are embracing technology to keep pace with evolving consumer demands, increasingly complex risks, and a rapidly changing market environment. A key element in this transformation is the shift from legacy systems to modern, cloud-based core insurance platforms. These platforms are designed to provide the scalability, flexibility, and efficiency that are necessary for insurers to succeed in today’s competitive and volatile landscape.

保险业正在经历一场深刻的变革。尤其是财产和意外伤害 (P&C) 保险公司，正在采用技术来跟上不断变化的消费者需求、日益复杂的风险以及快速变化的市场环境。这一转型的一个关键要素是从遗留系统向基于云的现代核心保险平台的转变。这些平台旨在提供保险公司在当今竞争激烈且不稳定的环境中取得成功所必需的可扩展性、灵活性和效率。

BriteCore is a prime example of a provider leading the way in offering scalable, cloud-based P&C insurance software solutions that empower insurers to modernize their operations and adapt to the demands of a digital-first world.

BriteCore 是领先提供商提供可扩展、基于云的财产和意外伤害保险软件解决方案的典型例子，这些解决方案使保险公司能够实现运营现代化并适应数字优先世界的需求。

The Limitations of Legacy Systems in P&C Insurance

财产保险中传统系统的局限性

For decades, legacy systems were the backbone of the insurance industry. Many P&C insurance companies relied on on-premise, monolithic software platforms that were built to support core business functions like underwriting, claims management, and policy administration. However, these systems were often inflexible, siloed, and difficult to integrate with newer technologies.

几十年来，遗留系统一直是保险业的支柱。许多财产和意外伤害保险公司依赖于本地的整体软件平台，这些平台是为了支持承保、索赔管理和保单管理等核心业务功能而构建的。然而，这些系统往往不灵活、孤立，并且难以与新技术集成。

As customer expectations and market conditions evolved, legacy systems began to show their limitations. The insurance industry became more data-driven, with a growing need for real-time information and faster decision-making. Legacy systems, typically slow and cumbersome, struggled to keep up with the demand for agility and efficiency.

随着客户期望和市场状况的发展，遗留系统开始显示出其局限性。保险业变得更加数据驱动，对实时信息和更快决策的需求不断增长。传统系统通常缓慢且笨重，难以满足对敏捷性和效率的需求。

Moreover, many legacy systems were expensive to maintain, requiring significant investment in IT infrastructure, security, and manual processes. For insurers seeking to modernize and stay competitive, these outdated systems quickly became a major bottleneck.

此外，许多遗留系统的维护成本高昂，需要在 IT 基础设施、安全性和手动流程方面进行大量投资。对于寻求现代化和保持竞争力的保险公司来说，这些过时的系统很快成为主要瓶颈。

Enter Cloud-Based Core Insurance Platforms

进入基于云的核心保险平台

The emergence of cloud technology has provided insurers with a powerful alternative to legacy systems. Core insurance platforms, built on cloud infrastructure, offer the scalability, flexibility, and efficiency that insurers need to thrive in an increasingly digital and competitive market. These platforms are designed to centralize key functions, such as policy administration, underwriting, claims processing, and billing, into a single, unified system that is easily accessible and adaptable to changing business needs.

云技术的出现为保险公司提供了传统系统的强大替代方案。基于云基础设施构建的核心保险平台提供保险公司在日益数字化和竞争日益激烈的市场中蓬勃发展所需的可扩展性、灵活性和效率。这些平台旨在将保单管理、承保、索赔处理和计费等关键功能集中到一个统一的系统中，该系统易于访问并适应不断变化的业务需求。

Unlike legacy systems, cloud-based core insurance platforms can be deployed quickly and scaled according to demand. Cloud solutions are not confined by the hardware limitations that typically plagued on-premise systems. As a result, P&C insurers can reduce their reliance on outdated infrastructure while taking advantage of the latest advancements in cloud computing.

与遗留系统不同，基于云的核心保险平台可以快速部署并根据需求进行扩展。云解决方案不受通常困扰本地系统的硬件限制的限制。因此，财产和意外伤害保险公司可以减少对过时基础设施的依赖，同时利用云计算的最新进展。

Key Advantages of Core Insurance Platforms

核心保险平台的主要优势

One of the most compelling reasons for P&C insurers to transition from legacy systems to cloud-based core insurance platforms is scalability. Cloud technology allows insurers to scale their operations with ease, adding new resources and capabilities as needed without the costly and time-consuming process of upgrading hardware or installing new software. Whether an insurer is expanding into new regions or managing spikes in claims volume due to natural disasters, cloud-based platforms offer the flexibility needed to handle these changes in real-time.

财产和意外伤害保险公司从遗留系统过渡到基于云的核心保险平台的最令人信服的原因之一是可扩展性。云技术使保险公司能够轻松扩展其运营，根据需要添加新的资源和功能，而无需进行昂贵且耗时的升级硬件或安装新软件的过程。无论保险公司是向新地区扩张还是应对自然灾害导致的索赔量激增，基于云的平台都可以提供实时处理这些变化所需的灵活性。

Additionally, the cloud enables insurers to take advantage of a variety of tools and services that can enhance their operations. For example, insurers can integrate machine learning algorithms to improve underwriting accuracy or incorporate artificial intelligence to automate claims processing. These capabilities are not easily achievable with legacy systems, making core insurance platforms the clear choice for future-focused P&C insurers.

此外，云使保险公司能够利用各种工具和服务来增强其运营。例如，保险公司可以集成机器学习算法来提高承保准确性或结合人工智能来自动化索赔处理。这些功能通过遗留系统不容易实现，这使得核心保险平台成为面向未来的财产保险公司的明确选择。

Legacy systems are notoriously expensive to maintain. Insurance companies often need large, specialized teams to manage outdated software, which translates into higher operational costs. On top of this, insurers must allocate significant resources for infrastructure maintenance, including server management, data backups, and cybersecurity.

众所周知，遗留系统的维护成本非常昂贵。保险公司通常需要大型专业团队来管理过时的软件，这会导致更高的运营成本。除此之外，保险公司必须分配大量资源用于基础设施维护，包括服务器管理、数据备份和网络安全。

In contrast, core insurance platforms, particularly those offered via the cloud, operate on a subscription-based model that eliminates the need for costly hardware and IT staff. Cloud providers typically handle software updates, security patches, and other maintenance tasks, further reducing costs. This cost efficiency allows insurers to allocate their resources toward more strategic initiatives, such as improving customer experience or expanding product offerings.

相比之下，核心保险平台，尤其是通过云提供的平台，采用基于订阅的模式运行，无需昂贵的硬件和 IT 人员。云提供商通常处理软件更新、安全补丁和其他维护任务，从而进一步降低成本。这种成本效率使保险公司能够将资源分配给更具战略性的举措，例如改善客户体验或扩大产品范围。

The power of data is undeniable in today’s insurance landscape. Core insurance platforms enable insurers to leverage large volumes of data in real-time, helping them make informed decisions more quickly. From underwriting to claims management, cloud-based platforms centralize all data into a single system, providing insurers with a 360-degree view of their operations.

在当今的保险领域，数据的力量是不可否认的。核心保险平台使保险公司能够实时利用大量数据，帮助他们更快地做出明智的决策。从承保到理赔管理，基于云的平台将所有数据集中到一个系统中，为保险公司提供 360 度运营视图。

Real-time access to data also means that insurers can make more informed decisions about risk assessment, pricing, and customer engagement. By utilizing data analytics and machine learning tools, insurers can predict trends, detect fraud, and identify new opportunities for growth. This level of insight simply isn’t possible with legacy systems, which often store data in disparate locations and formats.

实时访问数据还意味着保险公司可以在风险评估、定价和客户参与方面做出更明智的决策。通过利用数据分析和机器学习工具，保险公司可以预测趋势、检测欺诈并发现新的增长机会。对于遗留系统来说，这种级别的洞察力根本不可能实现，因为遗留系统通常将数据存储在不同的位置和格式。

Customer expectations are evolving, and today’s consumers expect quick, seamless, and personalized experiences. Core insurance platforms, with their cloud-based infrastructure, make it easier for insurers to deliver just that. For example, insurers can provide customers with self-service portals that allow them to manage their policies, file claims, and track their status in real-time, all from their smartphones.

客户的期望不断变化，当今的消费者期望快速、无缝和个性化的体验。核心保险平台及其基于云的基础设施使保险公司能够更轻松地实现这一目标。例如，保险公司可以为客户提供自助服务门户，使他们能够通过智能手机管理保单、提交索赔并实时跟踪其状态。

Additionally, by integrating core insurance platforms with customer relationship management (CRM) systems

此外，通过将核心保险平台与客户关系管理（CRM）系统集成