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Combined Ratio Solutions

Open-source, no-license-fee policy administration platform built for commercial and specialty P&C insurers.

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Overview

Combined Ratio Solutions (CRS) develops CRS OSPolicy, an open-source policy administration system aimed at commercial and specialty P&C insurers and MGAs. The platform automates policy issuance, renewals, and amendments, and is designed to integrate risk-assessment models to support underwriting decisions.

CRS offers the free, open-source core license for OSPolicy, with its business model focused entirely on paid implementation, managed services, and ongoing operational support delivered by a combined offshore/onshore team of P&C architects and developers. This approach positions the offering as an alternative to legacy licensed policy administration systems.

Key Features

  • + Open-source, license-free policy administration core
  • + Automated policy issuance, renewal and amendment workflows
  • + Integrated risk assessment models for underwriting
  • + Rapid ~90-day implementation approach
  • + Custom build and integration services
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