CLAPi© P&C — End-to-End Policy Administration Platform for P&C Insurers | EnoviQ
Cloud-Native P&C · API-First · Modular · Multi-LOB from Day One

One Platform. Every P&C Line.
Live in Weeks.

CLAPi© P&C is a cloud-native, API-first policy administration platform built for the full general insurance stack — Motor, Property, Marine, Fire, Engineering, WC, and Liability — on one configurable, zero-legacy platform.


Motor
Property
Marine
Fire
Engineering
WC & Liability
Lines of business

Every P&C Line. One Unified Platform.

CLAPi© P&C covers all major commercial and personal lines –
Motor, Property, Marine, Fire, Engineering, Workmen's Compensation, and Liability –
fully configurable without code changes.

Motor Insurance
Personal Motor OD, Third Party, Package (OD+TP), PA Cover add-on
Commercial Motor OD, TP, Package, Goods in Transit coverage
Fleet Motor Fleet OD/TP/Package, Named Driver, Agreed Value, Block Policy
Property Insurance
Personal Property Home structure, Contents, Burglary, Jewellery & Valuables
Commercial Property Industrial/Commercial Block, Office Package, Shopkeeper Policy
Marine Insurance
Open Policy (Cargo) Blanket coverage, automatic risk attachment, monthly declaration
Specific Voyage Single voyage, inland transit, Marine Hull & Machinery
Fire & Allied Perils
Standard Fire Policy Building & Contents, Fire/Lightning/Explosion, STFI
Industrial All Risk (IAR) Factory all-risk, Consequential Loss (BI), Reinstatement Value
Engineering
Contractors All Risk (CAR) Civil construction, Third Party Liability, Testing & Commissioning
Erection All Risk (EAR) Plant & Machinery erection, Equipment Breakdown, Electronic Equip.
WC & Liability
Workmen's Compensation Employer's Liability, Medical & disability, Group PA (Workers)
Liability & Miscellaneous D&O, Professional Indemnity, Cyber, Fidelity, Travel, Bonds
Platform architecture

End-to-End Solution Architecture

A four-layer architecture covering digital engagement, core P&C processing, integrations, and infrastructure - all connected through a unified cloud-native API backbone.

Digital Engagement
Layer
  • Customer Portal
  • Agent Portal
  • Surveyor portal
  • Progressive Web App - Customer & Agent
Core P&C Insurance
Modules
  • Product Configuration
  • Entity management
  • Rule engine
  • Quotation management
  • Policy issuance & servicing
  • Claims management
  • Finance & reporting
  • Reinsurance
Integration &
Data Layer
  • Identity & KYC verification
  • Payment gateways & real-time rails
  • Surveyor & loss assessor networks
  • SMS / Email / WhatsApp
  • ERP / finance / GL systems
  • Reinsurance portals
Infrastructure &
Compliance
  • Cloud / On-prem / Hybrid
  • Security & IAM
  • Multi-regulatory reporting
  • Audit Trail & Data Privacy
  • Disaster recovery / BCP
Core platform modules

Eight Modules. Complete P&C Coverage.

Every module is built for the specific demands of general insurance operations — configurable rules, STP automation, FWA controls, and multi-LOB support from day one.

Product
Configuration
Define products, coverages, rating factors, and premium rules without writing code.
  • Multi-LOB product builder
  • Rate table & factor management
  • Coverage & exclusion setup
  • Endorsement & extension config
Entity
Management
Centralised onboarding and lifecycle management for every stakeholder in the ecosystem.
  • Customer KYC & onboarding
  • Agent & broker management
  • Channel partner & commission setup
  • Insurer, reinsurer & provider hub
Rule
Engine
Automate underwriting, claims, and assignment decisions with configurable business rules.
  • UW STP / NSTP routing
  • Claims STP / NSTP logic
  • FWA (Fraud, Waste & Abuse) rules
  • Task assignment automation
Quotation
Management
Generate accurate multi-product quotes instantly with built-in approval and referral workflows.
  • Real-time premium calculation
  • Multi-product / cross-sell quoting
  • Referral & counter-offer workflow
  • Quote comparison & PDF output
Policy Issuance &
Servicing
Manage the complete policy lifecycle from issuance through endorsements, renewals, and cancellations.
  • Policy issue & schedule print
  • Mid-term endorsement & correction
  • Renewal notices & bulk renewal
  • Cancellation & refund processing
Claims
Management
Handle claims end-to-end from FNOL to final settlement with STP, surveyor integration, and FWA controls.
  • FNOL & claim registration
  • STP auto-settlement + NSTP referral
  • Surveyor assignment & report upload
  • Reserve management & payment
Finance &
reporting
Automate premium accounting, collections, reconciliation, and statutory financial reporting.
  • Premium collection & receipting
  • Accounts payable / receivable
  • Bank reconciliation
  • MIS & regulatory reporting
Reinsurance
Manage treaty and facultative reinsurance cessions, recoveries, and bordereaux reporting with ease.
  • Treaty (Quota Share, XL, Surplus)
  • Facultative placement
  • Cession & recovery accounting
  • Bordereaux & RI reporting
Add-on modules & digital portals

Extend. Connect. Self-Serve.

Five specialised add-on modules and portals that extend CLAPi© P&C into a full digital ecosystem — for customers, agents, and surveyors alike.

Customer Communication
Management
Deliver personalised, omni-channel communications across the policy and claims lifecycle.
  • Email / SMS / WhatsApp alerts
  • Policy schedule & renewal notices
  • Claims status notifications
  • Templated document dispatch
Document Management
System
Centralise, index, and retrieve all insurance documents with version control and e-signature support.
  • Soft-copy document repository
  • Auto-tagging by LOB / policy
  • e-Signature & digital stamp
  • Audit trail & access control
Surveyor
Portal
Mobile-first tool for surveyors to receive assignments, capture evidence, and submit reports in real time.
  • Survey assignment alerts
  • Photo & video upload
  • Damage assessment form
  • Real-time claim sync
Customer
Portal
Self-service platform for policyholders to buy, manage, and claim — anytime, anywhere.
  • Buy / renew policies online
  • Claims lodgment & tracking
  • Document download & e-KYC
  • Payment & policy history
Agent
Portal
Productivity hub for agents and brokers to quote, issue, and manage their entire book of business.
  • Instant multi-LOB quotation
  • Policy issue & endorsement
  • Commission dashboard
  • Customer 360° view
Integration & compliance

Built for Global P&C Insurance
Ecosystems.

Pre-built connectors for identity, payments, loss assessment, and communications —
designed to plug into the regulatory and operational infrastructure of every market we serve.

Identity & KYC
National ID / eKYC Biometric verification Face Recognition Document OCR AML screening
Payment Channels
Real-time payment rails Direct debit / mandates Cards & wallets Bank transfers Multi-currency
Loss assessment
Surveyor networks Loss adjusters Garage / repair NW Spare parts valuation
Communication
SMS gateways Email Servers WhatsApp Business API Push notifications
Finance & ERP
SAP / Oracle / GL Statutory submissions Actuarial interfaces
Reinsurance
Facultative Non-facultative Proportional Treaty Non-proportional Treaty Bordereaux automation Cession & recovery accounting
Analytics & management information system

Data-Driven Decisions. Across Every LOB.

Real-time dashboards, new business analytics, claims intelligence, and AI-powered predictive insights — giving leadership full visibility across the entire P&C portfolio.

Executive Dashboard
Real-time KPIs: GWP, Policy Count, Claim Ratio, Persistency
  • GWP & premium in-force by LOB
  • Portfolio-level combined ratio
  • Renewal rate & retention tracking
  • Channel & branch drill-down
New Business Reports
Proposal-to-issuance funnel, STP rate, UW decision analysis.
  • Quote-to-bind conversion rate
  • STP vs referral split by LOB
  • UW decision & loading analysis
  • Product & plan mix report
Claims Analytics
Turnaround time, fraud flags, repudiation reasons, recovery rates
  • TAT by claim type & stage
  • FWA flag & suspicion score
  • Repudiation & recovery rates
  • Outstanding reserve tracking
Rule-based Predictions
Churn prediction, cross-sell recommendations, underwriting scoring
  • Policy lapse & churn propensity
  • Cross-sell opportunity scoring
  • Underwriting risk scoring
  • Renewal & retention early warnings

Ready to modernise your
P&C operations?

CLAPi P&C is built to handle the full spectrum — from motor and property to liability and specialty lines — on one cloud-native platform. Let us show you what modern looks like.

Let's Get Your Project Started!

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