Cloud computing can help P&C carriers but only if they also create the capability for rapid 'composable' experimentation and innovation alongside.

According to a Deloitte survey, P&C Carriers like American Family, Nationwide and the Hanover are accelerating their move to cloud computing platforms. The pandemic has accelerated carriers’ shift towards cloud computing for both transaction systems and advanced analytical and AI solutions. Couple this with the existence of many valuable cloud-based insuretech services and the cloud becomes the platform for increased digitization of the customer experience.

But there’s an often-unrecognized obstacle to making the best use of cloud computing: most carriers are still trying to manage their critical risk selection decisioning and customer interaction through their core transaction systems. However, these systems are inflexible and expensive to modify which has drastically limited the amount of innovation most carriers can handle. Carriers need tools that make it much easier and quicker to experiment with new data, customer interactions and third-party services. This means not driving these changes via IT and core systems but creating another layer of capability that links to core transaction systems but isn’t in them. IT Analysts Garner call this capability “Composability”.

Property & Casualty Composability Defined

Composable solutions are new capabilities made from interchangeable components such as cloud services and business rulesets that integrate with and complement existing core systems. Components are modular enabling a business to rearrange and modify solutions as needed depending on the evolving environment. idFusion’s composable architecture is focused on the core Carrier tasks of:

  • Detecting and resolving fraud and risk selection issues and
  • Personalizing a customer’s experience at every transaction and customer interaction whether direct or agent mediated.


Composability is one of VeracityID’s core solutions for P&C Carriers. Learn more at