Heritage Insurance Modernizes Core Systems with Guidewire Cloud Implementation

Heritage Insurance Company, a super-regional property and casualty insurer operating in 13 states, has completed the deployment of Guidewire PolicyCenter and Guidewire BillingCenter on the Guidewire Cloud Platform for its homeowners and dwelling fire insurance lines. This implementation follows Heritage's earlier adoption of Guidewire ClaimCenter in 2023, marking Heritage as a full Guidewire InsuranceSuite customer utilizing cloud-based core systems for policy administration, underwriting, billing, and claims. The deployment project was led by PwC, a Guidewire PartnerConnect Consulting Global Strategic member, highlighting a close collaboration between Heritage, Guidewire, and PwC to ensure operational continuity and smooth transition. Heritage's CIO emphasized the platform's robust, scalable architecture which has enabled streamlined workflows across underwriting, policy management, and billing functions. The new system has enhanced operational agility by enabling faster rate updates and configurable underwriting rules without the need for coding changes. This agility positions Heritage to respond effectively to market changes and growth opportunities while maintaining seamless interactions between agents and underwriters through improved communication tools and notifications. According to Heritage's CEO, the cloud-based modernization strengthens operational efficiency and improves agent and customer experiences, facilitating quicker responses to market dynamics. PwC’s Guidewire Alliance Leader stressed that this cloud adoption exemplifies core modernization as a driver of efficiency improvements, underwriting precision, and responsiveness to evolving customer demands. Guidewire’s Professional Services lead acknowledged Heritage's pivotal role in the P&C insurance market along the U.S. Gulf Coast, highlighting the strategic importance of this technology foundation for Heritage's ongoing transformation and growth. Heritage Insurance writes approximately $1.4 billion in gross personal and commercial residential premiums across a multi-state footprint including the Northeast, Southeast, Hawaii, and California excess and surplus lines. Guidewire provides a comprehensive suite of cloud-based core systems leveraged by over 570 insurers worldwide, integrating data analytics, digital innovations, and AI to support insurance business transformation and operational efficiency. This deployment illustrates the ongoing trend among mid-to-large insurers toward cloud-based core systems modernization to heighten agility, improve underwriting precision, and enhance the overall operational ecosystem. The partnership with PwC also underscores the growing role of consulting firms in navigating technological transitions within the insurance industry. This move is likely to influence competitors considering similar cloud migrations as the industry increasingly prioritizes scalable, flexible IT infrastructures to better manage underwriting, policy administration, billing, and claims processes.