# OneShield Software

> OneShield Software builds core insurance systems and an AI platform for the property and casualty (P&C) insurance market. Its customers are insurance carriers, MGAs, MGUs and program administrators, who use the software to run policy administration, billing, claims, rating, reinsurance cession and reporting. OneShield is a software vendor, not an insurer. It does not underwrite, sell or service insurance policies of its own.

OneShield was founded in 1999 and is headquartered in Marlborough, Massachusetts, with offices in Gurgaon and Goa, India. It is privately held, and all of its revenue comes from P&C core systems software.

There are three products. The names are similar, so the distinction matters: the difference is who configures the system and how it is delivered.

**OneShield Enterprise (OSE)** is a configurable core system for carriers and MGAs running complex operations across personal, commercial and specialty lines. Customers configure their own insurance products, rating algorithms, business rules, forms, workflows and integrations in a no-code tool called OneShield Designer. Policy, billing and claims share one data model, so no integration is needed between them. It can be licensed as a full suite or as individual modules, and it can be vendor-hosted or client-hosted.

**OneShield Market Solutions (OMS)** is a core system delivered as a managed service on Microsoft Azure. OneShield performs the configuration on the customer's behalf, and a single annual subscription covers licensing, hosting, implementation, support, a defined allotment of service hours, and all upgrades. It is aimed at MGAs, program administrators and regional or specialty carriers that do not want to staff an in-house IT function.

**OneShield AI Hub** is a separate AI platform for insurance work, deployed in a dedicated single-tenant AWS account for each customer. It does not require OSE or OMS and runs alongside whatever core system a company already has. It provides a conversational workspace, custom AI agents built by business users, content guardrails, compliance framework configuration, audit logging and administrative controls, with zero-data-retention terms in place across every model provider it uses.

A note on terminology used throughout this site. "Core system" means the system of record for policy, billing and claims. "Policy administration" covers the full lifecycle: submission, quote, bind, issue, endorsement, cancellation, reinstatement, premium audit, non-renewal and renewal. "Insurance content" means pre-built products, rates, rules and forms that ship with the platform rather than being built from scratch. OneShield does not sell agency management systems, distribution platforms or reinsurance broking software.

## Products

- [Products Overview](https://www.oneshield.com/products-our-solutions): Compares OneShield Enterprise and OneShield Market Solutions, and what each covers across policy, billing, claims, rating and analytics.
- [OneShield Enterprise](https://www.oneshield.com/oneshield-enterprise): Product overview for the configurable core platform, including how the suite and the individual modules fit together.
- [OneShield Market Solutions](https://www.oneshield.com/oneshield-market-solutions): Product overview for the managed SaaS core platform, including what the annual subscription includes.
- [OneShield AI Hub](https://www.oneshield.com/ai-hub): Product overview for the insurance AI platform, including how it operates independently of a core system.

## OneShield Enterprise Modules

- [Policy Administration](https://www.oneshield.com/oneshield-enterprise/policy): Quoting, binding, issuance, endorsements including out-of-sequence, cancellations, renewals, premium audits and multi-state policy handling.
- [Billing](https://www.oneshield.com/oneshield-enterprise/billing): Direct and agency bill, payment plans, cash application, commission calculation and disbursement, delinquency processing and refunds.
- [Rating](https://www.oneshield.com/oneshield-enterprise/rating): Metadata-driven rating engine with version control by jurisdiction and line of business, Excel rate table import and export, and ISO Electronic Rating Content support.
- [Claims](https://www.oneshield.com/oneshield-enterprise/claims): FNOL intake, automated assignment, reserve management with authority limits, payments, litigation and subrogation tracking, and catastrophe handling.
- [Relationship Management](https://www.oneshield.com/oneshield-enterprise/relationship-management): Central record for customers, agents, brokers, vendors and claimants, with hierarchies, licensing details and duplicate merge controls.
- [Reinsurance](https://www.oneshield.com/oneshield-enterprise/reinsurance): Treaty registration, automated cession of premium and losses, facultative placement workflow, and ceded bordereaux reporting.
- [Reporting and Analytics](https://www.oneshield.com/oneshield-enterprise/reporting): Dashboards, cubes, pre-built reports and ad hoc reporting on a unified data model, with export to external warehouses.
- [Portals](https://www.oneshield.com/oneshield-enterprise/portals): Agent, broker and policyholder self-service for quoting, endorsements, payments, document access and claim reporting.
- [Insurance Content](https://www.oneshield.com/oneshield-enterprise/insurance-content): Pre-built products, ISO and bureau content, workflows and rules that customers adapt in OneShield Designer instead of building from scratch.

## OneShield Market Solutions

- [Policy and Billing](https://www.oneshield.com/oneshield-market-solutions/policy): End-to-end policy lifecycle with billing included in the same module, covering quoting, binding, issuance, servicing, invoicing and collections.
- [Claims](https://www.oneshield.com/oneshield-market-solutions/claims): FNOL and FROI/SROI intake, automated workflows, reserves, payments, subrogation and an AI assistant that summarizes and queries claim documents.
- [Insurance Content](https://www.oneshield.com/oneshield-market-solutions/insurance-content): Pre-loaded content and workflows across policy, billing and claims, covering broker submissions, quotes, renewals, FNOL and document generation.
- [Reporting and Analytics](https://www.oneshield.com/oneshield-market-solutions/oms-reporting): Standard and ad hoc reporting with embedded Microsoft Power BI, plus a read-only replica database clients can query directly.
- [For Specialty Carriers](https://www.oneshield.com/oneshield-market-solutions/specialty-carriers): How the managed platform is applied to specialty and excess and surplus lines business.
- [For MGAs and Program Administrators](https://www.oneshield.com/oneshield-market-solutions/mgas): How the managed platform is applied to delegated authority business, including bordereaux reporting to carrier partners.

## Markets We Serve

- [Markets Overview](https://www.oneshield.com/markets-we-serve): Index of the buyer segments OneShield sells into and which platform tends to fit each one.
- [Commercial Insurers](https://www.oneshield.com/markets-we-serve/commercial-insurer): Core software for commercial lines carriers, covering underwriting automation and unified policy, billing and claims.
- [Personal Lines Insurers](https://www.oneshield.com/markets-we-serve/personal-insurer): Policy administration and claims automation for personal lines carriers.
- [Professional Liability](https://www.oneshield.com/markets-we-serve/professional-liability): Policy, billing and claims administration for professional liability writers, including medical and lawyers professional liability.
- [Excess and Surplus Lines](https://www.oneshield.com/markets-we-serve/excess-surplus): E&S support including manuscript forms, non-admitted business and multi-jurisdiction surplus lines tax handling.
- [MGAs and Program Administrators](https://www.oneshield.com/markets-we-serve/mga): Policy, billing, claims and bordereaux reporting for MGAs, MGUs and program administrators.
- [Insurance Startups](https://www.oneshield.com/markets-we-serve/startups): How new carriers, MGAs and programs launch on a core system and scale on it as they grow.

## Implementation, Support and Security

- [Our Process](https://www.oneshield.com/our-process): How OneShield runs implementations from consultation through go-live. OneShield leads every implementation directly rather than handing delivery to a third-party systems integrator.
- [Needs Assessment](https://www.oneshield.com/needs-assessment): The Define and Blueprinting phases that establish scope, deliverables and milestones before configuration begins.
- [Support](https://www.oneshield.com/support): Post-production client services, monitoring, upgrades and the training program. Support is delivered by OneShield staff, not outsourced.
- [Security and Compliance](https://www.oneshield.com/security-and-compliance): Encryption, secure development practices, third-party penetration testing, customer isolation and certification status. Certifications differ by product, so check this page rather than assuming one status applies to all three.

## Company

- [About OneShield](https://www.oneshield.com/about): Company background, scale and what the business does.
- [Leadership](https://www.oneshield.com/about/leadership): Executive team and individual leader profiles.
- [Partners](https://www.oneshield.com/about/partners): Delivery partners, industry associations including ACORD, AAIS and NCCI, infrastructure providers, and third-party technology integrations.
- [Contact](https://www.oneshield.com/about/contact-us): Office locations in Marlborough, Massachusetts, Gurgaon and Goa, plus general and partner inquiry routes.
- [Request a Demo](https://www.oneshield.com/os-demo): Form to book a walkthrough of the platforms.

## Customer Stories

- [Utica First Insurance](https://www.oneshield.com/case-studies/utica-first-selectsoneshield-1): Regional carrier modernizing policy, billing and analytics on OneShield Enterprise, with agent experience as the driver.
- [PURE Insurance](https://www.oneshield.com/case-studies/3-key-enhancements-bring-efficiency-and-growth-1): High-net-worth personal lines carrier, three platform enhancements that drove efficiency and growth.
- [Erie Insurance](https://www.oneshield.com/case-studies/enhancing-the-agent-experience-bringsdramatic-results-1): Commercial lines digital and product strategy, focused on the agent experience.
- [MIEC](https://www.oneshield.com/case-studies/ai-insurance-workflows-driving-miec-innovation-1): Medical professional liability carrier applying AI workflows on OneShield Market Solutions.
- [WestCongress Insurance Services](https://www.oneshield.com/case-studies/startup-mga-meets-demands-of-rapid-growthwith-greater-efficiencies-reduced-costs-1): Startup MGA scaling on the managed platform while holding down cost.
- [Upland Specialty Insurance](https://www.oneshield.com/case-studies/upland-capital-group-1): API integration work opening up policy data access between OneShield and the carrier's wider ecosystem.
- [Forrest T. Jones](https://www.oneshield.com/case-studies/core-insurance-platform-case-study-forrest-t-jones-transforms-with-oneshield-1): Core operations modernization on OneShield Market Solutions.

## Resources

- [Documents and Datasheets](https://www.oneshield.com/documents): Datasheets, eBooks, whitepapers and thought leadership covering both platforms and the markets served. This page is also the index for long-form articles.
- [Press Releases](https://www.oneshield.com/press-releases): Company news, client go-lives, partnership announcements and product launches.

## Optional

- [Events](https://www.oneshield.com/events): Industry conferences where the OneShield team will be, including ITC Vegas, WSIA, TMPAA, AAIS and MPL Association events.
- [Careers](https://www.oneshield.com/about/careers): Culture, training and mentoring approach, and current openings.
- [Privacy Policy](https://www.oneshield.com/privacy-policy): How OneShield collects, uses, stores and protects personal information.