If you’re still chasing down FNOLs in your inbox, wrangling Excel files for bordereaux, or relying on tribal knowledge to process MTAs, your insurance processes are holding you back.

We talk to insurance leaders every week who are drowning in broken processes, not because they don’t care, but because fixing them always seems like a tomorrow problem.

But here’s the truth: these problems don’t stay quiet.
They snowball into claim delays, compliance issues, missed renewals, and lost profitability.

This article is your wake-up call. We discussed five insurance proccesses you can’t afford to ignore any longer and what to do about them.

TL;DR

Still dealing with spreadsheet chaos, slow FNOL intake, and missed claims leakage?

In this article, you’ll learn:

• Why slow, manual FNOL processes damage client trust (and how to fix them fast)
• How inefficient bordereaux workflows turn reporting into a full-time job
• Where claims leakage is hiding in your workflow—and how to catch it early
• Why MTAs are dragging down your policy ops (and how to streamline them)
• How better onboarding and renewals save time, reduce errors, and boost retention
• What OIP Insurtech and InsurOPS 360 can do to fix these pain points quickly
• Why solving these five processes now creates compounding value over time

Fix what’s broken today and build a more efficient, scalable operation tomorrow. Talk to our team.

1. FNOL Intake

The Problem & Cost

The First Notice of Loss (FNOL) should be concise, clear, and structured. Instead, for most carriers and TPAs, it’s a mess.

Emails come in with inconsistent formatting. PDFs get uploaded manually. Calls must be logged manually. Photos and evidence are scattered across systems.

This manual chaos slows things down, creating lag in claim acknowledgment, gaps in documentation, and unnecessary friction for the customer.

The result?

• Delays in reserving and assignment
• Missed compliance windows
• Slower time to resolution
• Higher leakage from early missteps

And when intake errors pile up, adjusters start each claim on the back foot, leading to more rework, more escalations, and ultimately, more cost.

The Fix

OIP Insurtech eliminates the noise.

We digitize and standardize FNOL intake using structured forms, routing rules, and automated triage. Whether it’s submissions via API, email, or portal, we normalize the data and push it directly into your claims system, correctly categorized, tagged, and ready for the next step.

No more manual entry. No more missing attachments. Just faster, cleaner claim handling from day one.

2. Policy Admin & MTAs

The Problem & Cost

Mid-term adjustments (MTAs) are supposed to be routine. But for many insurers and MGAs, they’re an operational bottleneck. Small changes, such as updating an address, adding a vehicle, or adjusting coverage, oftenbounce between teams, sit in inboxes, and get delayed because no one owns the full process.

Every delay impacts downstream systems. Endorsements are issued late. Clients lose trust. Underwriters get stuck fixing paperwork instead of writing new business.

There’s also risk. Manual handling leads to misapplied endorsements, inaccurate premium changes, and compliance issues. Multiply that across hundreds of policies per month, and you’re looking at thousands in preventable rework and revenue leakage.

The Fix

OIP Insurtech streamlines MTAs by embedding smart workflows into your existing systems. We handle intake, documentation review, system updates, and issuance – end to end.

It could be automating the routing of simple changes or assigning more complex ones to trained policy analysts. In both cases, the right task reaches the right desk quickly.

The result? Faster turnaround times, cleaner records, and underwriters who can finally focus on what they should do.

3. Bordereaux Reporting

The Problem & Cost

If you’re still wrangling bordereaux in Excel, you’re not alone but you’re bleeding time and risking accuracy.

Each carrier wants a different format. Data lives in five systems. You’re pulling, cleaning, checking, and rechecking, usually under time pressure. And even with all that effort, there’s still a good chance of missed fields, wrong mappings, and broken formulas.

What starts as a spreadsheet becomes a monthly fire drill. Underwriters can’t track performance in real time. Finance teams wait on data. Partners lose confidence when errors slip through.

It’s not just inefficient, it’s risky. One incorrect value can skew portfolio performance metrics or trigger compliance red flags.

The Fix

OIP Insurtech helps you reclaim control with standardized, auditable bordereaux workflows. Our team maps all required fields, automates data aggregation from your systems, and formats it for every carrier, error-free.

We also build dashboards that eliminate the guesswork. Instead of chasing reports, you get real-time visibility into premiums, claims, loss ratios, and compliance.

The result: zero last-minute scrambling, clean submissions every time, and a clear line of sight into your book of business.

4. Claims Leakage

The Problem & Cost

Every missed detail in the claims process has a price. An unchecked reserve. A duplicated payment. An overlooked coverage exclusion. Multiply that across hundreds or thousands of claims, and you’re staring at millions in preventable loss – what the industry calls claims leakage.

The root cause? Overloaded teams, inconsistent workflows, and fragmented documentation. Adjusters don’t have time to double-check every file. Notes get buried. Reviews get skipped. And leakage becomes normalized, until it’s flagged during an audit or a performance review.

It’s not just about the money. Claims leakage damages customer trust, causes compliance issues, and undermines the integrity of your entire operation.

The Fix

OIP Insurtech tackles leakage before it snowballs. Our support teams handle the details – document tracking, claims verification, and loss run reviews, so your adjusters stay focused on complex cases and critical decisions.

We also implement checkpoints and QA processes that flag inconsistencies early. Need deeper insights? Our analysts review trends and outliers to identify systemic leakage patterns and recommend process fixes.

So, if you need daily support, audit prep, or scalable automation, we help you close claims faster, more accurately, and with less waste.

5. Onboarding & Renewals

The Problem & Cost

Onboarding new business and processing renewals should be smooth, repeatable, and fast. But for many insurance operations, it’s still a maze of follow-ups, outdated forms, missing data, and last-minute scrambling.

Timelines slip. Errors creep in. Underwriters get pulled away from quoting new business to chase down subjectivities or reissue policies.

It’s more than operational drag – lost revenue and retention. Delays and inconsistencies frustrate brokers, shake client confidence, and create friction that competitors are happy to exploit.

The Fix

OIP Insurtech brings order to onboarding and renewals, providing full-service support or just assistance with handling volume surges.

We standardize processes, prepare complete files, and ensure every subjectivity, form, and endorsement is in place before it hits your team. Our Renewal Underwriting services include quoting, documentation review, compliance checks, and final mail-outs, so your underwriters can simply review and release.

For those ready to go further, we help automate triggers and handoffs across systems, building smoother, audit-ready renewals that don’t require daily fire drills.

The Bottom Line

If you’re still wrangling spreadsheets, chasing down missing data, or losing time on clunky workflows, you’re leaving money on the table and making life harder for your team.

These five processes slow you and drain resources, erode accuracy, and damage your ability to scale.

With OIP Insurtech services, you don’t need to overhaul your entire operation overnight. You just need to start fixing the parts that are holding you back. From optimizing workflows to automating data-intensive tasks, we help you reclaim time, reduce risk, and build the operational engine you need to drive growth.

Let’s fix what’s broken before it costs you more.