Insurance

Keep third-party decisions connected to policyholder outcomes.

Connect policy administration, claims and underwriting to the providers behind them. Include Third-Party Administrators (TPAs), Managing General Agents (MGAs) and data providers when assessing policyholder information and claims continuity.

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Decisions in context

Claims continuity

Policyholder information

Delegated services

Put critical insurance services at the center of supplier oversight

• Claims surgesCould a TPA, claims platform or specialist service cope when a catastrophe increases demand and disruption occurs at the same time?
• Delegated responsibilitiesAre the boundaries between your team, MGAs, TPAs and underwriting providers clear enough to assign decisions and follow-up?
• Policyholder informationWhich policy administration, claims and data providers handle policyholder information, and where does it pass to further service providers?

Better Supplier Decisions. Operational Resilience.

TPSaaS provides Decision Intelligence for Third-Party Risk in insurance. Review evidence for policy and claims services, decide what policyholders need, and assign actions with owners and review dates.

• Focus on policyholder servicesPrioritize supplier review around issuing policies, servicing customers and settling claims.
• Clarify delegated accountabilityConnect evidence gaps and decision conditions to the internal owner of each TPA, MGA or underwriting arrangement.
• Prepare for changing demandKeep catastrophe dependencies, claims capacity assumptions and renewal decisions under review.

Practical decisions for insurance

Start with a policyholder journey, such as making a claim. Trace policy administration, delegated services and data providers, then identify where capacity, information or accountability could break down.

Insurance startups can establish supplier discipline around their first policy and claims services. Growing and enterprise teams can extend it across portfolios, delegated arrangements and catastrophe dependencies.

Choose a topic below. Each includes a practical checklist or worksheet you can read and copy, with related reading where available.

• 01Understand exposure
• 02Review your process
• 03Prioritize suppliers
• 04Follow up assessments
• 05Map dependencies
• 06Track remediation
• 07Report for decisions
• 08Connect the lifecycle

Where could a provider delay a policy or claim?

Map the steps from policy servicing to claims settlement. A Third-Party Administrator (TPA) outage or unavailable underwriting data can affect different decisions and customer commitments.

• Name the policy or claims service and its responsible internal owner.
• Record the TPA, Managing General Agent (MGA), platform and data providers involved.
• Describe delayed servicing or claims consequences and identify missing evidence.

Use the checklist above to summarize one policy or claims service and its provider dependencies.

Further reading: Why Third-Party Risk Management Has Become a Strategic Business Priority

Can your register explain a delegated-service decision?

A register should connect the provider relationship to the insurance activity and decision authority. Growing insurers need a record that survives handover between underwriting, claims and procurement.

• Link each Third-Party Administrator (TPA) or Managing General Agent (MGA) arrangement to its activity, contract and owner.
• Keep the current assessment, open conditions and renewal date together.
• Check that claims and underwriting reviewers can locate the same decision record.

Use the checklist above to check whether a delegated-service decision can be handed over.

Further reading: Third-Party Risk Management Isn’t Broken. The Operating Model Is.

Which insurance providers need deeper review?

Prioritize policyholder impact, claims dependency and the difficulty of replacing delegated capacity. A specialist data provider can matter even when annual spend is modest.

• Compare claims volume dependency, policyholder information and delegated activity.
• Assess replacement lead time and capacity assumptions during catastrophe demand.
• Record review depth, rationale, evidence gaps and approving authority.

Use the checklist above to set the review priority for one claims or underwriting provider.

Further reading: Inherent Risk vs Residual Risk: Why Most Third-Party Risk Programs Focus on the Wrong Metric

Does the assessment cover the delegated activity?

Provider-wide evidence may not cover your claims service, policy platform or underwriting arrangement. Review the actual service and the responsibilities retained by your organization.

• Check service scope, subcontractors, information access and evidence dates.
• Ask how capacity and recovery assumptions address a claims surge.
• Assign findings, decision conditions and follow-up to the responsible insurance service owner.

Use the checklist above to prepare evidence requests for one delegated insurance activity.

Further reading: Why Third-Party Risk Assessments Fail as a Decision System

Where do claims and policy services share dependencies?

Several Third-Party Administrators (TPAs) or Managing General Agents (MGAs) may use the same policy software, data service or cloud platform. Separate provider names do not establish independent recovery options.

• Trace policy administration and claims services to direct and supporting providers.
• Identify shared data, hosting and specialist claims dependencies.
• Mark unverified relationships and test the assumptions behind an alternative service.

Use the checklist above to sketch the shared providers behind policy and claims services.

Further reading: Why Third-Party Risk Doesn't Stop at Your Vendors

What closes a claims-service remediation action?

Define closure against the actual gap, such as unavailable recovery evidence or unclear policyholder data access. A supplier status update alone does not show resolution.

• Record the claims or policy service, finding and action owner.
• Specify capacity, recovery or access evidence and a target date.
• Verify closure, or document authorized acceptance of remaining exposure and the next review.

Copy the fields above into your action tracker to track one insurance provider finding, its evidence and next review. Update the record when evidence is reviewed.

What should insurance leadership decide?

Connect supplier exposure to policyholder servicing, claims continuity and delegated accountability. Make the decision needed before renewal or peak demand explicit.

• State which insurance activities and delegated providers are covered.
• Show overdue actions, shared dependencies and unverified catastrophe capacity.
• Present treatment or replacement options, decision authority and follow-up dates.

Use the checklist above to prepare a provider decision for insurance leadership.

Further reading: Visibility Is the Control Plane of Modern Third-Party Risk Management

How does oversight continue through policy and claims cycles?

Keep provider decisions current as portfolios, delegated arrangements and claims demand change. Exit planning should address open claims and information handover.

• At intake, define the delegated activity, policyholder information and internal owner.
• Review service changes, claims incidents, data-provider changes and renewal conditions.
• At exit, verify access removal, information transfer and responsibility for outstanding claims.

Use the checklist above to plan provider checks around renewal, changing claims demand or exit.

Further reading: How Third-Party Risk Management Actually Works Across the Vendor Lifecycle

Governance and regulatory context

Industry determines the sector narrative. Geography determines potential contextual guidance. Verified applicability determines regulatory claims.

• Industry narrative: use the operational dependencies and decisions described here to frame supplier review.
• Geography and jurisdiction context: Potential context includes insurance supervision, delegated activities, outsourcing and policyholder data protection in the United States, United Kingdom and European Union. Confirm the legal entity, insurance activity and arrangement before assigning requirements.
• Verified applicability: confirm the relevant legal entity, activities, services, data and requirements with accountable legal or compliance owners. Record the basis and scope of the conclusion. Industry and country alone do not establish applicability.

Confidence starts with evidence

Assess the people, approach and evidence behind TPSaaS. Use our Trust Center for security information and evidence-access routes, and meet the practitioners behind the service.

• Review the Trust CenterUnderstand the available security information and assurance process.
• Meet TPSaaSLearn how the TPSaaS team approaches supplier evidence and decisions.

Regulatory obligations and assurance needs depend on your organization, services and jurisdiction. A resource or assessment does not by itself establish compliance.

Bring your next supplier decision into focus

Bring a TPA, MGA, claims platform or underwriting-provider decision. Explore how TPSaaS could help connect the evidence to policyholder service, continuity and clear accountability.

Explore TPSaaS for your team Use the practical resources