Insurance: Promote Growth and Profitability
Get more out of your policy revenue with HSO's single, consolidated solution built that integrates CRM, financial management, and more for increased profitability
Customer Story: Rapid Growth Through Acquisition
Why one insurance company's finance team chose HSO and Microsoft Dynamics 365
Transform Insurance with Data & AI
Empower your teams with real-time insights, smarter decisions, and proactive customer engagement.
We understand Insurance.
Achieving sustainable profitability in insurance requires more than managing claims and cutting costs—it demands smarter distribution, deeper customer insights, and better support for agents and brokers. Whether you rely on a captive sales force, independent producers, or both, fragmented systems and reactive processes can limit growth and hurt retention. Here are some of the most pressing challenges insurance carriers face.
Whether working through captive agents, direct sales, or non-captive broker networks, insurers must manage channel complexity and ensure that all producers are equipped to sell competitively—without inflating costs.
Without a clear view into agent productivity and customer impact, it’s difficult to identify and retain high-performing producers. This hinders both growth and profitability, particularly for carriers who rely on independent agents.
Agents and account managers often lack the insights needed to act proactively—whether that means recommending complementary products or spotting at-risk policyholders. As a result, opportunities are lost to more agile competitors.
Disconnected policy, claims, CRM, and finance systems make it difficult to see the full picture of customer value, agent performance, or product profitability—limiting strategic decision-making and channel optimization.
Captive agents and direct sales teams need timely, actionable data to close more business. But too often, manual reporting and outdated tools make it hard to target the right customers at the right time.
High administrative costs in underwriting, claims, and policy servicing continue to eat into margins—especially in legacy environments where automation is limited and staffing is constrained.
Managing regulations like market conduct, solvency, and consumer protection requires a high degree of accuracy and auditability. Manual processes increase the risk of noncompliance and inefficiency.
Policyholders often hear from their carrier only at renewal or when filing a claim. Without better engagement and personalized outreach, customers are more likely to switch providers—hurting long-term profitability.
In insurance, you need to service claims and be able to grow the money you take in. You need a full understanding at all times of what you're distributing and what the agents you work with are doing. Add to that regulatory requirements, and things get complicated.
Antiquated, disparate systems don’t give you the insight you need, which can result in poor decisions. You need all the information in one place. A traditional data warehouse simply will not suffice, and point solutions don’t give you the flexibility you need to accommodate your company’s unique business processes.
HSO & Microsoft
Empowering your Insurance company to thrive in the digital age
Solutions
Purpose-built for insurance and benefits brokers, this solution helps firms streamline financial operations, improve forecasting accuracy, and stay ahead of regulatory demands.
Achieve Profitable Growth with a Unified Insurance Platform
With Dynamics 365 Customer Insights and Sales, you can unify data across policy, claims, CRM, and financial systems to get a complete picture of your producers and customers—enabling smarter segmentation, better targeting, and stronger retention.
Whether supporting a captive salesforce or independent producers, Microsoft tools provide real-time dashboards, AI-driven opportunity scoring, and proactive reminders—empowering agents to cross-sell, upsell, and engage more effectively.
Automate and modernize underwriting, claims processing, policy servicing, and financial operations with Dynamics 365 Finance, Power Automate, and Copilot—reducing costs, eliminating redundancies, and increasing speed to market.
Leverage AI and data analytics to anticipate customer needs, send personalized outreach before renewal, and deliver timely service—all of which reduce churn and increase lifetime value.
With Microsoft Fabric, Power BI, and Azure Synapse, you gain real-time access to performance insights across products, channels, and regions—allowing you to monitor profitability and adjust strategies based on what’s working.
Dynamics 365 and Azure help you centralize and automate reporting processes, improve audit trails, and ensure compliance with evolving insurance regulations—freeing your teams from manual reporting tasks.
Microsoft’s trusted cloud infrastructure enables you to scale as needed, integrate with your existing systems, and maintain enterprise-grade security across sensitive policyholder and financial data.
Copilot brings AI-driven insights and assistance into everyday workflows—helping agents identify opportunities, finance teams track profitability, and leaders make faster, data-backed decisions across the organization.
Using Data to Identify Opportunities for Agents and Sales Teams
You depend on high-performing producers and can help them remain there. First, you need to identify your top producers; and second, you need to support them in their efforts to recruit new brokers and agents while competing with other carriers.
You need data insights to identify them, they need insights to uncover proactive opportunities with their channel. Microsoft solutions provide insights to stay in front of agent demand, creating strong, long-lasting relationships.
Your agents and salespeople must sell competitively. How can you help them be as productive as possible? The answer: Give them the ability to gain actionable insights that will help them discover opportunities for cross-selling and upselling.
Rather than waiting for a call from the customer, be armed with insights to make the first move, eliminating the risk of dissatisfied customers or worse—customers lost to another carrier that was ahead of the curve.
Compliance concerns? No problem. Regulatory requirements can cause an administrative nightmare for any organization handling assets. With HSO’s Solution for Insurance companies, you are covered—in STAT, GAAP, IFRS, and tax—regardless of where you operate.
INSURANCE SUCCESS STORIES
Our Insurance Customers
We help Insurance Brokers and Carriers thrive
What contributes to HSO’s success in engagements like this one is a unique combination of insurance industry expertise, extensive experience with Microsoft ground-to-cloud transformations, and a collaborative approach—listening to the customer and providing value as a trusted advisor.
The HSO Approach
Our team has deep knowledge of the financial sector, ensuring that our solutions are tailored to your specific needs.
We leverage the latest advancements to provide you with cutting-edge tools and platforms.
Access our extensive library of events, blogs, and on-demand videos to stay informed and ahead of the curve.
INSURANCE RESOURCES
Learn More About HSO and Insurance
Explore our extensive library of resources for Insurance companies
Streamline Claims, Improve Risk Management, and Personalize Service with an AI Briefing for Insurance
Insurers are navigating a rapidly changing landscape—rising customer expectations, increasing claims complexity, evolving regulations, and growing pressure to improve efficiency and reduce risk. Traditional systems and manual workflows can't keep up.
AI offers a smarter way forward. From automating claims and underwriting to detecting fraud and tailoring policyholder experiences, AI helps insurers improve speed, accuracy, and customer satisfaction—while strengthening compliance and reducing costs.
In just a few hours, this targeted session helps your team understand the power of AI and uncover high-impact use cases specific to the insurance industry. You'll leave with:
A clear view of how AI and Copilot can optimize claims, underwriting, customer service, and compliance
Industry-specific guidance to build a scalable, low-risk AI adoption plan
Insight into Microsoft’s AI tools—Power Platform, Fabric, Azure AI, and more
Confidence to move from pilot to production—with a partner who understands the demands of the insurance sector
Whether your focus is on improving operational efficiency, enhancing customer experience, or gaining a competitive edge, this session helps you turn AI into real, measurable value.
Let's talk about how we can help ensure long-term success for your Asset Management firm.
