Excess & Surplus lines

Core technology built for the speed E&S demands

The E&S market runs on speed, flexibility, and regulatory precision. OneShield Market Solutions delivers a configuration-driven core platform with pre-built surplus lines content, manuscript form support, and multi-jurisdiction tax compliance, all under a single, predictable annual fee.

Pre-configured underwriting workflows, claims frameworks, and compliance content drawn from live E&S programs. Surplus lines tax calculations and state-by-state regulatory rules are embedded in the platform. Flexible rating and manuscript forms support bespoke coverage structures, non-standard risk classes, and custom policy language.

Expand into new states, risk classes, or distribution channels without re-platforming. OMS grows with your business on a single platform, so scaling doesn't mean starting over.

Licensing, hosting, security, implementation, service hours, and continuous upgrades bundled under one predictable subscription fee. No variable costs. No surprise upgrade charges.

Submission AI extracts key data from incoming documents, reducing manual entry and accelerating review. Claims AI Assistant summarizes complex documents, surfaces key facts, and generates timelines. AI-driven reserve prediction and coverage verification with 24/7 virtual policyholder assistants.

Live surplus lines programs accelerate implementation and reduce deployment risk.

Rates, forms, and workflows are tailored without custom code or additional platform fees.

A single platform for underwriting, billing, and claims replaces fragmented legacy technology.

Continuous upgrades included in the subscription. The platform is always on the latest version with no upgrade projects or downtime.

Ongoing platform optimization through dedicated service hours included in the annual fee. No fees for configuration changes.

Functionality Highlights

OneShield's policy, billing, and claims administration solutions provide the functionality E&S carriers and MGAs need to operate with speed and precision.

Policy

Built for Complex, Non-Admitted Risks

Faster submission processing, flexible policy configuration, and embedded surplus lines compliance.

Key capabilities:

Configurable layered program designs for complex, specialized risks requiring multi-tiered coverage structures

Manuscript form support for bespoke coverage structures, non-standard risk classes, and custom policy language

Configurable underwriting rules and authority levels, automating standard risk decisioning while routing exceptions for manual review

Full policy lifecycle management: endorsements, renewals, cancellations, and reinstatements with audit trail

Support for admitted and non-admitted products across all 50 states

Billing

Surplus Lines Tax and Fee Automation

Accurate multi-jurisdiction billing, flexible payment structures, and streamlined commission management.

Key capabilities:

Automated surplus lines tax and fee calculations across jurisdictions

Non-standard installment billing with multi-carrier and layered program support

MGA billing reconciliation and configurable broker commission structures

Direct bill and agency bill support with flexible, automated billing plans

High-Severity Claims, Handled Right

Claims Management

Efficient high-complexity resolution, integrated defense management, and scalable catastrophe
response.

Key capabilities:

High-severity, low-frequency workflows with litigation tracking and defense cost management

Multi-party and layered claims handling with configurable delegated claims authority

Catastrophe surge management with automated FNOL intake and triage routing

Subrogation and recovery tracking with full financial lifecycle support

Analytics

Real-Time Visibility Into Performance

Complete portfolio visibility and actionable distribution analytics.

Key capabilities:

Real-time submission analytics, loss ratio monitoring, and catastrophe exposure reporting

Broker performance dashboards tracking submission volume, hit ratios, and reinsurance metrics

Embedded Power BI for self-service reporting without IT dependency

Customer Engagement

Compliance and Self-Service, Built In

Regulatory compliance, policyholder self-service, and always-on support.

Key functionality:

State-by-state eligibility verification and surplus lines filing automation

Self-service portals for policyholders and partners

24/7 virtual policyholder assistant powered by agentic AI

Client Success

Digital strategies and priorities in Commercial Lines insurance.

Dave McKenna from Upland and Cole Anderson from OneShield.

AI-Powered Capabilities

OneShield embeds AI across the E&S workflow, from submission intake through claims resolution.

Submission AI

Extracts key data from incoming documents, reducing manual entry and accelerating underwriting review. Submissions that meet guidelines can flow straight through to quote.

Claims AI Assistant

Summarizes complex claim documents, surfaces critical details, generates timelines, and supports intelligent querying across large files. Adjusters spend less time reading and more time deciding.

AI-Driven Reserve Prediction

Predictive models support reserve accuracy and coverage verification, reducing manual estimation and improving financial outcomes.

24/7 Virtual Assistant

Omnie, the AI-powered virtual assistant on the policyholder portal, answers policy, billing, and claims questions around the clock. Specialized requests are automatically routed to the right team.