Make the Switch

Policy AdministrationStreamlined policy issuance and renewals

Claims ManagementEnd-to-end claims lifecycle management

Ancillary Services MarketplaceSeamless integrations with your systems

Compliance TrackingAutomated COI tracking and compliance

Your All-in-One Policy Platform

For Workers' Comp and Commercial P&C. Managing the full policy lifecycle with speed and control.

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Policy P-00000142In Force

Workers' Comp · LouisianaRev 001 · Endorsed

Policy Lifecycle

Quote

Bind

Issue

Endorse

Renew

Effective PeriodJan 1 – Dec 31

Total Premium$1,284,500

Policy Actions

EndorseCancelRestate

Who It's Built For

Built for the teams that own the policy book, across Workers' Comp and Commercial P&C.

Insurance Carriers

Issue, renew, and bill Workers' Comp policies on a single modern core, built to extend to Commercial P&C.

MGAs and Program Admins

Stand up new programs in weeks: multi-state quoting, rating, and binding on day one.

Self-Insured Funds & Groups

Manage member policies, assessments, and renewals with full audit trail and reporting.

Third-Party Administrators

Administer policy books on behalf of carriers without juggling legacy systems.

Problems We Solve

Eliminating inefficiencies in policy management through automation and integration.

Advanced Analytics and Reporting

Real-time embedded analytics for smarter decisions.
Customizable and pre-built reports for complete visibility.
Predictive analytics and risk modeling for proactive decisions.

Integration and Connectivity

Open API architecture for seamless system integrations.
Third-Party Integrations.
Data Migration and System Upgrades.

User Experience and Support

Intuitive User Interface.
Comprehensive Support and Training.
Enhanced Communication Tools.

Quoting and Underwriting

Fast, multi-state quoting with one-click efficiency.
Flexible rating engine with precise, compliant calculations.
Automated underwriting workflows for faster, smarter decisions.

Policy Issuance and Lifecycle Management

Comprehensive Policy Transactions.
Advanced Document Management.
Policy Lifecycle Automation.

Billing and Payment Processing

Flexible billing with automated payments.
Real-time receivables tracking and automated collections.
Automated premium calculations.

Renewals and Compliance

Automated renewals with rules-based pricing and workflows.
Built-in regulatory compliance with automated reporting.
Enterprise-grade data security and privacy compliance.

Advanced Analytics and Reporting

Real-time embedded analytics for smarter decisions.
Customizable and pre-built reports for complete visibility.
Predictive analytics and risk modeling for proactive decisions.

Integration and Connectivity

Open API architecture for seamless system integrations.
Third-Party Integrations.
Data Migration and System Upgrades.

User Experience and Support

Intuitive User Interface.
Comprehensive Support and Training.
Enhanced Communication Tools.

Quoting and Underwriting

Fast, multi-state quoting with one-click efficiency.
Flexible rating engine with precise, compliant calculations.
Automated underwriting workflows for faster, smarter decisions.

Policy Issuance and Lifecycle Management

Comprehensive Policy Transactions.
Advanced Document Management.
Policy Lifecycle Automation.

Billing and Payment Processing

Flexible billing with automated payments.
Real-time receivables tracking and automated collections.
Automated premium calculations.

Real Impact

Outcomes Terra customers see

Numbers from carriers and MGAs running on Terra today.

Faster quote-to-bind

Versus typical legacy policy cores at carriers Terra has replaced.

Multi-state ready

Native support for every U.S. jurisdiction Terra customers operate in.

Live

Embedded analytics

Loss ratio, retention, and premium-by-class right inside the policy view.

Fees until you're live

No setup, no implementation, no licensing. Month-to-month after go-live.

What Makes Terra Different

A modern policy core. Replace the legacy systems that have kept carriers stuck for decades.

Quote-to-Bind in Minutes

A dynamic rating engine + automated underwriting rules turn what used to be days of back-and-forth into a single workflow.

Lifecycle, Fully Automated

Endorsements, renewals, cancellations, and reinstatements: all driven by configurable rules. No manual document chasing.

Flexible Billing & Receivables

Direct bill, agency bill, list bill, installments, and automated premium calculation. One ledger, transparent to the policyholder.

Compliant & Certified by Design

SOC 2 Type II certification and state DOI reporting are credentials Terra holds and operates against, not features you configure. Automated regulatory filings come standard.

Embedded Analytics & Risk Modeling

Loss ratio, retention, premium-by-class, and predictive risk models live inside the platform. No exports needed.

Open API + Migration Tooling

Connect to brokers, payment processors, and reinsurance partners through an open API. Data migration tools speed up replacement of legacy cores.

Ready to modernizeWorkers' Comp and Commercial P&C?

See how Terra can transform your operations. No commitment required.

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Any Question?

Everything you need to know about Terra and how we work.

Are manual interventions slowing down operations?

Terra uses automated workflows to minimize errors and save time, allowing your team to focus on critical aspects of Workers' Comp and Commercial P&C management.

Do you have security concerns about sensitive data?

Terra secures sensitive data with advanced protocols, including encryption, access controls, and continuous monitoring, ensuring compliance with standards like Azure AD and SOC2.

Are long implementation times slowing you down?

Terra streamlines implementation with no charges until your system is fully operational, ensuring a swift setup to start managing effectively.

Are you struggling with inflexible legacy systems?

Terra adapts quickly to new regulations and market demands without disruptive overhauls, providing flexibility in managing Workers' Comp and Commercial P&C.

Are you concerned about long-term contracts and high costs?

Terra doesn't bill for setup and licensing fees until the system is live. Register unlimited users and choose a payment model that works for you: per claim, per policy, or per dollar of premium.

Still have questions?