From Excel Chaos to Cloud Control

Intro

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Many mid-size insurers still run large parts of their business on Excel and fragmented legacy tools. Product changes are slow, reporting is manual, and data is scattered.

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This case shows how a regional insurer consolidated policy, billing and reporting into CLP Hub — cutting manual work by 50% and launching new products 3× faster.

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Client and Context

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Client: Established mid-size non-life insurer

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Region: Eastern Europe / CIS

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Initial setup:

1. Multiple legacy systems

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2. Heavy use of Excel for pricing, bordereaux and reporting

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3. No single consolidated view of policies and financial flows

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The management team wanted to modernize operations without a risky “big bang” replacement.

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Challenges

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The insurer struggled with:
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Fragmented data across several systems and spreadsheets

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Slow product launches — every new product required custom work and manual setup

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Limited visibility into portfolio performance and profitability

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High operational load: repetitive manual tasks and risk of human error

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On top of this, their legacy platforms were difficult to modify and did not support modern digital channels.

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Solution: One Cloud Platform Instead of Many Tools

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The company chose CLP Hub as a unified PAS/Billing/Claims platform and moved step-by-step.

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Step 1 – Core consolidation

• Migrated active policies into CLP Hub
• Implemented Policy Administration with clear product structures
• Centralized premium and commission accounting in the Billing module
• Enabled standardized reporting templates

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Step 2 – Process automation

• Automated renewals and installment schedules
• Introduced standard workflows for endorsements and cancellations
• Set up dashboards for underwriters and finance teams

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Step 3 – Product agility

• Configured new products directly in CLP Hub
• Replaced spreadsheet-driven pricing adjustments with structured parameters
• Enabled digital channels to reuse the same core logic

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Results

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Operational improvements

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1. Up to 50% reduction in manual work in policy and finance operations

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2. Fewer errors due to unified data and automated workflows

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3. Faster monthly and quarterly reporting, with consistent numbers across teams

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Business agility

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1. 3× faster time-to-market for new products and product variations

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2. Ability to test new offerings on selected segments before full rollout

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3. Easier onboarding of new distribution partners, as all products live in one hub

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“Once we moved off spreadsheets and into CLP Hub, we finally had one version of the truth.

It became much easier to innovate without losing control.”

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What’s Next

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The insurer is now:

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1. Rolling out new products designed from day one as “digital-ready”

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‍2. Planning to enable self-service features for partners and clients

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‍3. Tracking profitability per product and channel through CLP Hub analytics