Landscape

Landscape handles relationships with millions of insurance customers and is used by 19 businesses including Markerstudy Group, Direct Line Group, Towergate Partnership and Sompo Canopius.

In developing Landscape, as with all our insurance solutions, we talked to stakeholders to make sure they get what they want. We talked to users to make sure they get what they need. The result is hard-working software – real business flexibility for policy admin, with its own comprehensive rating engine, no-nonsense claims management functionality, automated accounts and detailed management reporting.

We  designed it with ultimate ease of use in mind. Windows based and scalable for any size of business, Landscape integrates seamlessly with aggregators and supports the rapid development of new websites.

Landscape supports all sales channels and, being component based, can be introduced module-by-module as well as all at once. It spans all areas of insurance including policy and claims, accounts, rating, channel management, and management
information.

Landscape delivers key policy administration functionality including full policy history, support for all adjustment types (including the ability to roll adjustments back and forward while maintaining the integrity of the policy records), inbound and outbound bordereaux, document production, billing and workflow. The policy module is closely coupled to Landscape’s rating engine. Screen layout selection and all information, available from drop down lists on the policy screens, are managed within the rating engine and are product and scheme dependent. The policy screens are designed so that key policy data remains visible at all times and, if required, policy administration can be undertaken securely by staff, brokers or directly by the customer via the web.

Landscape has its own comprehensive rating engine. It enables insurers to build and launch new products, and modify existing products, very quickly. Key features:

  • Common functionality across all lines of business, meaning that product components such as tables, rules and endorsements can be reused across multiple schemes
  • Ease of use – the rating engine is based on a standard Windows user interface and in day-to-day use does not require programming code
  • Product components can be versioned, meaning that elements of schemes can be amended without any disruption. For example a new version of a rating area table can be created and implemented with no need to amend any of the schemes that it’s assigned to
  • Ability to define how premiums are split between all the parties involved

Fast, efficient, end-to-end claims management. Key features:

  • Notification
  • Fraud detection
  • Payment management
  • Document management
  • Workflow
  • Audit trail

The claims module integrates seamlessly with the policy module so that details submitted by a customer reporting a loss will automatically be checked against the policy when the claim is being validated. The integration with Landscape’s graphical workflow component enables insurers to control very precisely how, when and by whom a claim is handled.

Landscape’s powerful workflow tool allows for highly efficient process management. Tasks, events and escalation procedures can be generated from trigger points and assigned to users based on their roles and workloads. Key features:

  • Generation of tasks or events from external systems or applications
  • Re-allocation of tasks
  • Context-sensitive task records – the user can access the relevant Landscape page, such as a policy record or claim, directly from the task record
  • Automatic deletion of tasks when action is no longer required
  • Summary view of tasks and history for management information (MI) purposes

Landscape integrates with Microsoft’s Windows Workflow Foundation (WWF) to enable graphical design of business workflows and access to the full WWF functionality, including sophisticated rules-based workflows and process automation.

Landscape’s accounting suite enables automated control of insurers’ finances. Accounting entries for any entity, such as a policy record, can be accessed from any relevant area in Landscape. Key features:

  • Double-entry accounting
  • Claims payments and recoveries
  • Cash receipting, splitting and allocation with full audit trail
  • Automated online credit/debit card authorisation
  • BACS payments
  • Web-based account reconciliation for brokers
  • Bordereaux production
  • Extensive reporting capabilities including generation of ad-hoc reports

Landscape’s channel module allows insurers to handle any type of distribution relationship.As Landscape’s key policy and claims business logic is exposed as web services, insurers can easily create websites to serve their customers or intermediaries or allow third parties to securely integrate with Landscape. Key features:

  • Accounting support for brokers and intermediaries
  • Documentation support including both paper and online statements
  • Graphical analysis of channel performance
  • Modification of key rating factors for the channel
  • Support for three levels of partner – broker group, broker and sub-broker

Landscape is built on Microsoft SQL Server and uses its facilities to create a data warehouse that is updated at least once a day. From this, online analytical processing (OLAP) cubes are automatically generated. The cubes enable insurers to carry out multi-dimensional analysis of their data, instantly determining, for example, how their books of business are performing, which risks are causing problems and what types of claims cost the most. The cubes also enable insurers to drill down to an individual policy or claim if required.As OLAP is a recognised standard, insurers are free to use whichever OLAP-compatible tool they wish to analyse the data.

In addition Landscape provides insurers with a number of graphical representations of key data within the application, such as business volumes for various periods broken down by class.

Our customers report a number of efficiencies after adopting Landscape, including:

  • A doubling of the number of policies handled per customer services advisor
  • Faster handling times for quotes, policies and claims
  • A 75 per cent reduction in the turnaround time for processing quotes for household insurance
Customers also report:

  • A lowering of up to 25 per cent in policy administration headcount
  • Operational savings of up to 20 per cent
  • Lower development costs
  • IT headcount reduced by 10 per cent
Landscape helps insurers to identify fraudulent activity early on in the claims handling process via its comprehensive set of fraud rules, which automatically score all claims as they enter the system.
Landscape allows insurers to adopt a more client-centric view of their data. This speeds up and personalises customer service, and also helps staff to identify opportunities to cross-sell or upsell other products and services.