Granite — the operating system for an insurance company
One system for portfolio, sales, reporting, reserves, claims, reinsurance and finance.
Granite interface. All figures shown are illustrative.
You have the data. You don't have the picture.
Most insurers run on spreadsheets, legacy systems and manual work. It works — slowly and expensively.
Data sits in silos
The book of business lives in Excel, 1C, legacy core systems and one-off files. There is no single source.
Reports take days
Management and regulatory reports are assembled and reconciled by hand.
No single version of the truth
Portfolio, reserves and loss ratio are calculated in different places and never quite match.
Sales you can't see
Management has no live view of channels, agents or conversion.
Claims handled by hand
Notifications and losses are handled in email threads and spreadsheets, and deadlines are tracked manually.
Every change is a project
Each integration and each new regulatory extract has to be built from scratch.
Granite brings the core insurance processes together
14 modules across four areas. The mix is assembled around your processes: start with the core and add the rest step by step.
Operations
Finance and reporting
Customers and channels
Analytics and AI
Every module works on the same data: a policy, a customer, a contract and a claim look identical everywhere.
The whole book of business and every sales channel on one screen
Contracts, policies, premium collected, applications and agent channels in one workspace — with filters, statuses and one-click export.
- The portfolio across all products, with filters and statuses
- Channels, agents and conversion, visible in real time
- Export any selection for reports and reconciliation
Granite interface. All figures shown are illustrative.
Granite interface. All figures shown are illustrative.
Reporting and reserves built on the same data
Granite standardizes reporting, reserve calculation and the data behind regulatory and management control, with no spreadsheets rebuilt by hand.
- NAPP forms and extracts are generated from operational data
- Reserves are calculated by configured methods and versioned
- IFRS 17 data is prepared in the same system
One process for every claim
Documents, statuses, decisions, history and deadlines: the whole path of a claim, from first notification to payout, is visible to the team and to management.
- Claims registered with documents and full history
- A status model and deadline control at every stage
- Decisions and payouts are recorded in the same system
Granite interface. All figures shown are illustrative.
Granite interface. All figures shown are illustrative.
Reinsurance under control, in the same system
Treaties, shares, limits, settlements and statuses for inward and outward reinsurance — no separate spreadsheets, no manual reconciliation.
- A register of treaties with shares, limits and dates
- Premium and commission settlements for every treaty
- Deal imports and requests in one process
Management sees the company in real time
Current figures on portfolio, sales, loss ratio, reserves and channels live in dashboards, not in a slide deck from last week.
- Dashboards for profitability, claims settlement and underwriting
- Period comparison and product trends
- The same numbers for the board, for finance and for operations
Granite interface. All figures shown are illustrative.
Granite interface. All figures shown are illustrative.
Customer, documents and sales channels, all connected
Granite connects the customer base, communications, document flow, the website, the CMS and the mobile app: an online sale lands in the portfolio and in CRM straight away.
- One customer record: policies, claims, correspondence
- EDM: documents and approvals without paper
- The website and the mobile app run on the same data
AI features for analytics and everyday operations
AI in Granite is not a separate product. It is a working tool inside the system: it sees the same data the team sees, and it helps decisions come faster.
Motor insurance recorded 134 claims in Q2 — 12% fewer than in Q1. Average settlement time: 6 days.
Sample data. Source: the Claims module
Sample dialogue: the question and the figures are made up.
Granite at the center of your IT landscape
Nothing that already works has to be thrown away: your existing accounting systems and external services connect to one hub.
The set of integrations is agreed against each company's IT landscape.
How a rollout works
The core setup can go live within the first month after the scope is agreed. From there the system grows module by module, with no downtime.
Process review
We go through your current operations, products, data and reporting.
Core setup
We deploy the core: portfolio, sales and first-level reporting.
Integrations and migration
We connect the accounting systems and move historical data across.
Go-live and support
We train the team, support day-to-day work and keep developing the system.
We will show Granite running on your insurance company's processes
Leave a request and the IOTA Uz team will run a demo and show which Granite modules fit the way you work today.