Non-Standard Auto Insurance Software
Manage high-volume Non-Standard Auto business with one configurable platform for underwriting, policy administration, billing, and claims. Diamond helps carriers, MGAs, and program administrators automate complex workflows, improve underwriting consistency, and respond faster to market and regulatory change.
Non-Standard Auto Challenges & How Diamond Helps
Underwriting accuracy
Configurable eligibility, underwriting rules, referrals, rates, forms, and workflows help organizations apply underwriting guidelines consistently while routing exceptions for review.
High transaction volumes
High-volume policy servicing, billing, payment, underwriting, and claims processes can be automated to reduce manual intervention and improve operational consistency.
Claims controls
Configurable claims workflows support reserve and payment authority, approvals, large-loss reporting, notifications, and escalation based on established business thresholds.
Speed of change
Composer allows authorized users to configure rates, rules, forms, underwriting questions, workflows, and UI changes with less reliance on traditional custom coding.
Growth and market expansion
Diamond’s configurable architecture provides a scalable foundation for adding products, programs, and states as the organization grows.
Integration
Diamond’s API architecture and integration library support connections to underwriting data, payments, documents, communications, claims services, and other third-party systems.
Non-Standard Auto Programs Supported
Diamond supports Non-Standard Personal Auto programs, including high-risk auto, liability-only and full-coverage programs, SR-22-related business, MGA-administered programs, fronted programs, and multi-state programs. Specific product, state, filing, and regulatory requirements can be configured based on each organization’s program needs.
Key benefits include:
- Speed to Market: Quickly configure rates, rules, forms, workflows, products, and state requirements.
- Underwriting Consistency: Automate eligibility and underwriting rules and route exceptions appropriately.
- Operational Efficiency: Reduce manual processing across policy, billing, and claims.
- Claims Automation: Configure authority levels, reserves, payments, approvals, large-loss reporting, and workflows.
- Integration: Robust APIs and an extensive library of pre-built integrations.
- Reporting & Analytics: Access policy, billing, claims, and operational data for reporting and decision-making.
- Reduced IT Dependency: Composer enables configuration of many business changes without traditional custom development.
Core Platform Capabilities
Product Composer
Configure products, rates, rules, forms, underwriting questions, and workflows without custom coding.
Open API & Integration Architecture
Connect underwriting data, payments, documents, communications, claims services, and other third-party systems.
Configurable Claims Workflows
Authority levels, reserves, payments, approvals, large-loss reporting, and escalation based on established thresholds.
Supports Carriers, MGAs & Program Administrators
Diamond supports carriers, MGAs, program administrators, and other organizations responsible for administering insurance products.
Real-Time Reporting & Data Visibility
A single source of policy, billing, claims, and operational data for informed decision-making.
Flexible Deployment
Cloud deployment through Cloud Diamond, or on-premise, depending on infrastructure needs.
Why companies choose Insuresoft
30+ Years of Diamond Production Experience
Highly Configurable Core Platform
Supports Carriers, MGAs & Program Administrators
Composer configuration toolkit for rates, rules, forms, and workflows without custom coding
Integrated policy, billing, claims, portals, reporting, and integrations on one platform
Configuration-First Speed Advantage
Robust API Architecture
Continuous Product Innovation
Frequently asked questions
What Non-Standard Auto programs and segments does Diamond support?
Diamond’s configurable architecture supports non-standard auto products and programs including high-risk personal auto, liability-only and full-coverage products, SR-22-related business, MGA-administered programs, fronted programs, and multi-state programs.
How does Diamond help MGAs and brokers reduce operational and compliance risk?
Diamond automates underwriting rules, eligibility, referrals, workflows, authority levels, payments, forms, and other business requirements, helping organizations consistently apply established processes while reducing manual intervention.
How does Diamond compare to other core insurance platforms?
Diamond is designed for the speed and operational complexity of Non-Standard Auto. Composer allows carriers and MGAs to configure rates, rules, forms, workflows, and state-specific requirements with less reliance on custom development. Combined with flexible integration capabilities, this helps organizations respond faster as programs, markets, and regulatory requirements change.
How long does a typical Diamond implementation take?
Implementation timelines vary based on project scope, product complexity, data conversion, integrations, and deployment approach. Insuresoft also supports phased implementations that allow organizations to modernize incrementally while reducing business disruption.
Does Diamond support MGAs and brokers, or only carriers?
Diamond supports carriers, MGAs, program administrators, and other organizations responsible for administering insurance products.
Can Diamond integrate with our existing legacy systems during a phased migration?
Yes. Diamond’s API-based integration architecture can connect with existing and third-party systems, allowing non-standard auto programs to modernize incrementally without disrupting current operations.
How does Diamond reduce the burden on internal IT teams?
Composer gives authorized business users greater control over rates, rules, forms, workflows, underwriting questions, UI updates, and other routine configuration changes. This can reduce the number of changes that require traditional development resources and help IT teams focus on higher-value initiatives.
What does the Composer configuration tool let us change without custom coding?
For Non-Standard Auto programs, Composer supports configuration of rates, rules, forms, workflows, underwriting questions, referrals, UI changes, and state- or product-specific requirements with less reliance on traditional custom development.
How is data security and compliance handled on the platform?
Insuresoft is SOC 2 Type II compliant and maintains security and operational controls designed to protect customer data. Diamond incorporates role-based access controls, encrypted communications, secure APIs, audit capabilities, configurable permissions, and secure hosting options to support carrier governance, cybersecurity, and regulatory requirements.
What core capabilities does Diamond provide for Non-Standard Auto carriers, MGAs, and program administrators?
Diamond provides core insurance capabilities including policy administration, billing, claims, portals, reporting and data, configuration, and integrations, available through Cloud Diamond or on-premise deployment depending on infrastructure needs.
How does Diamond support claims management and processing?
Diamond supports the claims lifecycle with configurable workflows for reserves, payments, authority controls, approvals, reporting, and business rules. Rules can automatically trigger referrals, notifications, large-loss reporting, escalations, and other activities based on claim characteristics, helping improve consistency and reduce manual processing.