Ohio Mutual Speeds Underwriting Processes with Interactive Intelligence IPA

By automating the distribution of work within personal and commercial lines underwriting, Ohio Mutual has reduced redundancies, errors and delays, and increased visibility into performance.

(Ohio Mutual’s headquarters in Bucyrus, Ohio. Source: Ohio Mutual.) 

An initiative by Ohio Mutual’s ($208 million in 2014 DWP) commercial lines underwriting department to automate its workflow showed the way for personal lines, which remained largely driven by paper-based, manual processes. By implementing Interactive Intelligence’s (Indianapolis) Interaction Process Automation (IPA) solution, the Bucyrus, Ohio-based carrier established consistent workflow and automated processes, resulting in significant gains in workflow processing times and unprecedented process transparency.

Bethany Foy, Business Lines Service Center Manager, Ohio Mutual.

Bethany Foy, Business Lines Service Center Manager, Ohio Mutual.

“We were doing work in two completely different ways, and on the personal lines side we were looking to enjoy the same gains we’d had on the commercial side with workflow management,” recounts Bethany Foy, Business Lines Service Center Manager, Ohio Mutual. “We wanted to have consistent processes.”

More Control for Business Users 

But Ohio Mutual also wanted to improve the quality and efficiency of those processes. The gains the carrier had made on the commercial lines side were owing to Acrosoft content management software implemented in the mid-2000s. The system had enabled significant evolution, but had reached its limits, according to Foy. “We wanted something more intuitive that both enabled greater automation and gave business users more control,” she relates.

During the selection process, Ohio Mutual decided that the best transition could be achieved by working with Interactive Intelligence, which had acquired Acrosoft in 2009. The carrier selected the vendor’s IPA system as its target platform in May 2013.

(Related: Interactive Intelligence Offers Cloud Services for Customer Engagement, Communication, Collaboration)

Foy’s Business Lines Service team oversaw the project, conducting a process analysis exercise involving underwriting managers from both personal and commercial lines. “We got as many managers involved in designing the solution in order to understand what worked best and make good decisions about eliminating or modifying processes, and building in management controls,” she reports.

Foy’s team identified three major objectives for the project: first, to speed processing times by automating tasks where possible; second, to increase desk capacity for more high-value work; and, finally, to gain transparency into processes in order to give managers insights into performance.

Ohio Mutual relied on Interactive Intelligence team for development, while also involving internal IT professionals to consult on infrastructure issues, according to Foy. The carrier went into production for personal lines in April 2014, with commercial lines following in December of that year.

Since deployment, work item turnaround times have improved significantly over pre-IPA times logged at the end of 2013. Personal lines new business processing has been reduced from five to three business days, and endorsements from eight to five business days. Commercial lines endorsements have been reduced from 15 to 3.3 business days, and farm lines endorsements have shrunk from 17 to 2.5 business days, Foy reports.

Greater Insight

“Personal lines have seen the greatest gains, not having had workflow before,” Foy comments. “At the user level, our associates know everything they’re responsible for, and managers are gaining a great deal of insight.”

“With IPA we are able to globally see how much work we have in progress, how much completed, and how much in follow-up mode,” Foy continues. “We can manage more effectively because we have that kind of insight into the workflow.”

By eliminating manual work distribution, IPA has obviated the need for Ohio Mutual to count work tasks and has also eliminated the time to create reports. “Previously we had to create management reports ad hoc through counts that came out of the policy processing system,” Foy says. “Today I just execute a SQL query and it gives me what I want based on how I’ve designed a report within IPA.”

Anthony R. O’Donnell // Anthony O'Donnell is Executive Editor of Insurance Innovation Reporter. For nearly two decades, he has been an observer and commentator on the use of information technology in the insurance industry, following industry trends and writing about the use of IT across all sectors of the insurance industry. He can be reached at [email protected] or (503) 936-2803.

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