Duck Creek Policy
Launch Faster.
Underwrite Smarter.
Scale confidently.
Duck Creek Policy is an industry‑leading insurance policy administration software platform built for modern P&C insurers.
This enterprise‑grade insurance policy management system helps carriers launch products faster, automate policy workflows, and scale confidently across personal and commercial lines. Built on Duck Creek’s Intelligent Core, it combines low‑code configuration, integrated rating, and prebuilt industry content to deliver profitable underwriting with governance intact.
Trusted By
Enterprise Grade Policy Management.
As an insurer, you need a policy management solution that not only addresses
current challenges but positions you for future growth and innovation. Duck Creek Policy delivers end to end insurance policy management software on a single, unified platform. Persona driven workspaces and a global inheritance model allow teams to design, test, and launch differentiated products—without multiplying cores or losing control.
Built on Duck Creek’s Intelligent Core, this insurance policy automation solution enables continuous product evolution through low code configuration and managed integrations. Insurers can adapt to regulatory change, expand into new markets, and maintain audit ready governance—while keeping underwriting, pricing, and downstream systems aligned.
Why Duck Creek Policy
Low-Code Product Agility
Refine existing lines or launch new markets fast with reusable product templates, Line-of-Business kits and prebuilt commercial-lines bureau content (ISO, NCCI, AAIS) plus 12K+ supported forms, delivering product speed without heavy IT lift.
Agentic Decisioning & Integrated Rating
Embed insurance-native Agentic AI to automate routine underwriting, support smarter decisions, and preserve audit trails and explainability. Combine AI recommendations with a modern rating engine, price optimization and experimentation tools to improve reserve accuracy, pricing precision and underwriting consistency.
Modular, Open Architecture At Scale
Operate from a single core with a global inheritance model so you scale across regions and lines without fragmenting data or governance. API-first design, 2,000+ APIs and managed integrations enable fast partner connectivity, omnichannel product delivery and secure private-cloud SaaS options.
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Trusted, Reliable SaaS Policy System
70%
Reduction in time to update rates and factors
50K+
Number of transactions processed per day
5
Seconds to produce tailored quotes; in-force policies in 5 minutes
Key Features
Comprehensive Line of Business (LOB) accelerators that are ready to customize and deploy, with over 140 unique products in production.
- Access to the full spectrum of ISO Commercial Lines
- Access to region-agnostic LOB content
- Access to LOB content across personal, commercial, and specialty lines.
- Support for NCCI & State Bureau Workers’ Compensation.
- Utilize AAIS for Inland Marine insurance needs.
- Simplify compliance with subscription services.
- Circular Adoption Tool supports automated circular adoption for efficient compliance.
- Access to prebuilt integrations within a robust solution partner ecosystem.
Dynamic workflow and robust integration capabilities make it easy to quote, bind, and manage your policies.
- Omnichannel, responsive user experience
- Intelligent underwriting with rules-based auto-assignment
- Fully automated out-of-sequence endorsement processing
- Integrate with over 2000 APIs for Insurtech solutions
- Configure a product once, and reuse or inherit product definitions for rapid launch
- Create custom package policies tailored to your cutomer’s business needs
- Support for monoline and multiline package policies across products
Dynamic workflow and robust integration capabilities make it easy to quote, bind and manage your policies.
- Omnichannel, responsive user experience
- Intelligent underwriting with rules-based auto-assignment.
- Fully automated out-of-sequence endorsement processing.
- Integrate with over 2000 APIs for insurtech solutions.
Continuous system improvement with automatic updates.
- Regular updates enhance system reliability without disruption.
- Eliminate the need for costly upgrades, focusing on innovation.
- Implement new features at your pace with feature flagging.
What Our Customers Say
“Duck Creek is further along than the competitors as far as being cloud native. They helped us facilitate that core—policy, billing, claims, distribution—and accelerate our abilities in those core functions. I think that’s why we were able to work together so well.“
Russ Page, Hagerty
What Analysts Say About Duck Creek
Celent awards Duck Creek five XCelent Advanced Technology 2025 awards: P&C Insurance reports for North America, EMEA, and LATAM, three Advanced Technology XCelent awards for North America, EMEA and Latam, and the Breadth of Functionality and Customer Base and Support XCelent awards for North America.
Ready to modernize policy management without compromise?
Discover how Duck Creek’s cloud-native platform helps you launch products faster, adapt to market changes, and deliver seamless customer experiences.
Partner Ecosystem Integrations
Discover the comprehensive partner ecosystem that Duck Creek Policy offers, featuring numerous integrations with technology providers specializing in different policy lifecycle use cases.
Frequently Asked Questions
Duck Creek is committed to providing the information you need to solve your insurtech needs. Find answers to common questions below or, if this information isn’t enough, fill out the form at the bottom of the page. Our team will respond with the answers you need.
How does Duck Creek Policy accelerate speed-to-market for new insurance products?
Duck Creek Policy accelerates speed‑to‑market by enabling global insurers to configure, launch, and iterate products using a low‑code, SaaS‑based insurance policy administration software designed for continuous change. Its Product Factory approach allows business and IT teams to model new coverages, rules, and rating logic without heavy custom code or lengthy upgrade cycles.
Delivered as part of an Intelligent Core supporting insurers across markets, Duck Creek Policy provides a stable foundation that allows insurers to respond quickly to regulatory changes, market opportunities, and customer demands across regions—while maintaining governance, consistency, and control as products evolve.
This approach is already delivering real‑world results, for example, FCCI Insurance Group leveraged Duck Creek Policy with Active Delivery to modernize operations and support expansion into the excess and surplus market, without disruptive upgrade cycles.
Can Duck Creek Policy handle high-volume, straight-through processing (STP) for personal lines?
Yes. Duck Creek Policy is purpose‑built to support high‑volume, straight‑through processing for personal lines at scale. It uses embedded automation, rules‑driven workflows, and real‑time integrations to enable touchless processing across quoting, binding, endorsements, and renewals.
As part of an Intelligent Core designed to scale globally, Duck Creek Policy supports continuous growth in transaction volumes while maintaining performance, reliability, and control—making it well‑suited for insurers modernizing personal lines operations with advanced automation.
How does a modern PAS like Duck Creek improve the policyholder’s digital experience?
A modern policy administration system like Duck Creek Policy improves the policyholder experience by connecting core insurance operations directly to digital channels. Real‑time access to policy data enables faster quotes, instant endorsements, and self‑service policy changes across web, mobile, and agent‑assisted journeys.
Because Duck Creek Policy serves as the system of record within an Intelligent Core used by insurers worldwide, it ensures digital experiences are responsive, consistent, and transparent—creating the foundation needed to support more advanced capabilities like agentic, AI‑driven decisioning.
See why AI‑driven experiences only work when the policy system itself is built for change
