Top 20 U.S. Property & Casualty Insurance Carrier
Challenges
- Required certified specialists to make even minor changes
- Tightly coupled rules, workflows, and UI — leading to brittle releases
- "Modular" on paper, monolithic in practice
Why the Business Couldn’t Wait
| Pain Point | Impact |
|---|---|
| License & Infra Overhead | $5.2M annually across 4 environments |
| Slow Change Velocity | 3–4 months per update, even for basic triage tweaks |
| Vendor-Dependent Integrations | AI fraud scoring and weather event linking required vendor dev hours |
| High Opportunity Cost | Competitive carriers released updates 4× faster |
The FNOL process was mission-critical, but the business couldn't justify standing still any longer.
Solution
Rebuilding FNOL on Camunda
The engagement centered on re-engineering FNOL using Camunda Platform 8, emphasizing composability, observability, and developer autonomy:
BPMN Flows per Subprocess
Intake, verification, and assignment flows were refactored into modular microservices.
DMN Decision Tables
Replaced CRAMP™’s tangled rulebase with editable DMN tables for business-led triage logic.
Decoupled UI & Logic
Moved frontend from legacy portal to React apps backed by API-driven orchestration.
Scalable Event Architecture
Leveraged Kafka for asynchronous communication across claims teams and third-party integrations.
Live SLA Monitoring
MongoDB + Prometheus/Grafana enabled real-time insight into SLA breaches, assignment times, and bottlenecks.
Business Outcomes: From Friction to Flow
| Key KPI | CRAMP™ (Before) | Camunda (After) | Improvement |
|---|---|---|---|
| Claim Intake to Assignment | 3.2 hours | 23 minutes | ⬇ 88% |
| Average Change Deployment Time | 14 weeks | 4 weeks | ⬇ 71% |
| Annual Cost (License + Infra) | $5.2M | $1.5M | ⬇ 71% |
| 5-Year ROI | -4% (projected) | +198% | ✅ Profitable |
| Time to Add AI Triage Signal | 6 months | 5 weeks | ⬇ 80% |
“CRAMP™ gave us structure — Camunda gave us speed. Now, our teams are delivering change in weeks, not quarters.”
— Director of Claims Innovation
The Strategic Shift
Faster time-to-value for process changes
Business-owned rules with no dev bottlenecks
Platform independence to build and deploy how they wanted
Composable automation that scaled across claims types
CRAMP™ helped them survive the past. Camunda’s helping them own the future.