European P&C Core Insurance Software

Scale Across Europe, Adapt to Every Market

Support multiple countries, languages, currencies, and regulatory environments on a single cloud-native platform built to standardise enterprise operations while enabling local market flexibility.

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Built for European Insurers

Stop Letting Legacy Systems Dictate Your Growth

Modernise Without Disruption

Replace legacy technology with a cloud-native platform that supports incremental modernisation while maintaining business continuity. Add advanced capabilities such as Reinsurance Management and Embedded Payments at your pace.

Improve Operational Efficiency

Combat rising cost pressures by automating manual processes, streamlining workflows, and applying governed AI to improve productivity while maintaining transparency and control.

Scale Across Markets

Operate across multiple countries, languages, currencies, products, and regulatory environments from a single platform, reducing the complexity of managing diverse European markets while maintaining local nuance and flexibility.

capabilities

Designed for Multi-Market Operations

Scale Across Markets

Multi-Market Configuration

Configure products, languages, currencies, and regional business rules from a single cloud-native platform. Support local market requirements while maintaining centralised governance across your European operations.

The business impact

Expand into new markets faster, simplify regional operations, and reduce the complexity of managing multiple countries from one platform.

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Govern with Confidence

Operational Resilience & Governance

Operate on a secure, cloud-native platform with centralised administration, audibility, and visibility across your environments. Support evolving regulatory and operational resilience requirements, including DORA, Solvency II reporting needs, GDPR, and the EU AI Act.

The business impact

Strengthen operational resilience, simplify governance activities, and adapt to changing regulatory requirements without disrupting day-to-day operations.

Explore Governance & Compliance

Modernise Through Intelligent Automation

Embedded Intelligence & Automation

Modernise your underwriting and claims workflows with governed AI capabilities embedded directly into your operations. We provide the intelligence needed to automate complex decision-making, enabling you to scale without sacrificing the accuracy, transparency, or oversight your business demands.

The Business Impact

Reduce operational costs, improve productivity, and simplify the management of complex insurance operations while maintaining transparency and control.

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Optimise Reinsurance Operations

Connected Reinsurance Management

Support treaty, facultative, recoveries, and financial reporting processes through a connected platform that brings policy, claims, and reinsurance data together across markets.

Business Impact

Improve financial visibility, strengthen operational control, and simplify reinsurance operations across entities, regions, and lines of business.

Optimise Reinsurance Performance

ROI

Operational Impact

£400M

5yr Growth, Tier 1 Small Commercial

80%

Automation of manual processes

5+ Million

Documents processed

4,3 Billion

Manual keystrokes eliminated

customers

The Impact We Deliver

European insurers rely on Duck Creek to modernise core operations, simplify multi-market complexity, and build a trusted foundation for long-term growth.

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We were looking for a platform that would be able to provide “one source of truth” for reinsurance calculations throughout QBE – for both ceded and assumed reinsurance. We also felt that Duck Creek Technologies were a good fit for QBE and that we would be able to work well with them.

Katriona Maciver

VP Strategy and Operations Ceded Reinsurance, QBE

The Platform Behind Modern Insurance

Intelligent Applications

AI-powered applications that streamline underwriting, policy, billing, claims, and servicing.

Automate Insurance Operations

Agentic AI

Governed AI agents that support underwriting, claims, and service workflows while keeping people in control.

Scale Expertise with AI

Clarity Data Founation

Unify operational data to deliver trusted insights, improve decision-making, and power intelligent automation.

Turn Data into Decisions

Frequently Asked Questions

Yes. Through the decoupled architecture and our localized digital engagement tools, carriers can configure regional product variants, currencies, languages, and front-end broker forms from a single point of change. This enables your localized business units to bypass traditional IT queues and launch embedded or geographic-specific lines in weeks, while the central core maintains sovereign governance over all regional modifications.

All operations are managed via the secure, multi-tenant Duck Creek OnDemand cloud architecture, which features localized regional data residency compliance tailored to European mandates. Furthermore, tools like our OnDemand Control Hub give enterprise risk teams a centralized management console to natively monitor cross-border code promotions, environment modifications, and data access logs—perfectly balancing global scale with country-specific regulatory isolation.

Duck Creek’s cloud-native architecture is built with an open, API-first framework that allows carriers to seamlessly plug into third-party digital ecosystems, banks, and e-commerce platforms. This empowers insurers to rapidly embed tailored products right at the digital point of sale, capturing high-growth distribution channels across various European borders without the friction of building custom front-end infrastructure for every single corporate partner.

Resources to Power Your Knowledge

Trusted resources selected for distribution and compliance leaders

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How can Duck Creek Help You?

Modernize your operations, unlock AI-powered insights, and deliver better outcomes—at your pace.

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