MDM Retail

INSURANCE

Trusted intelligence powers confident insurance decisions

Processes like underwriting, claims, risk, distribution, and customer service require trusted, governed data. With Stibo Systems, you can connect customer, policyholder, product, policy, broker, claims, risk, and organizational data into a single, trusted intelligence foundation — and make faster, more explainable decisions.

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Trusted by top BFSI providers

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Customer: Royal London logo
Customer: Nets logo
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Customer: Royal London logo
Customer: Nets logo

The benefits of trusted insurance data

Trusted AI and explainable decision-making
Give AI, analytics, and automation initiatives governed customer, policyholder, policy, broker, claims, and risk data with the context needed to support more explainable decisions.
Customer, policyholder and group risk visibility
Connect identities, households, policies, claims, brokers, intermediaries, and relationship data so teams can understand customers, exposure and risk with more confidence.
Better broker, MGA, and intermediary control
Create a trusted foundation for broker, MGA, and intermediary data, so distribution teams can manage relationships, authority, hierarchies, and governance with less fragmentation.
Faster product and proposition governance
Govern product, policy, eligibility, and proposition data so teams can support faster innovation while maintaining consistency across channels, markets, and operational workflows.
Regulatory transparency and operational efficiency
Reduce duplicate records, manual remediation, and inconsistent servicing with governed data that supports auditability, operational resilience and more consistent downstream decisions.

How trusted master data supports insurance teams

Chief data officer
Insurance data strategy gets harder when customer, policy, broker, and claims data move through different systems with different rules. STEP, our trusted intelligence platform, helps connect those domains into a governed enterprise foundation. This gives you a more reusable way to improve accountability, reduce remediation, and support analytics, automation, and AI initiatives with trusted business context.
Chief risk officer
Risk insight depends on how clearly customers, policyholders, relationships, exposures, and counterparties are connected. We help you create governed customer and risk data foundations that make those connections easier to understand, support stronger regulatory evidence, and give underwriting, claims, reporting, and risk workflows more explainable data to work from.
Chief information officer
Legacy policy, claims, CRM, and distribution systems often create duplicate data, integration complexity, and technical debt across the insurance technology estate. With Stibo Systems, you can establish a shared data foundation that complements existing systems, making trusted customer, policy, and broker data easier to publish, reuse, and govern without forcing a disruptive replacement strategy.
Chief underwriting officer
Underwriting decisions depend on risk, policyholder, asset, and broker context coming together at the right moment. Our solutions can connect trusted customer, policy, relationship, broker, and risk data, so underwriters spend less time rebuilding context across systems and more time making decisions with confidence.
Head of claims and operations
Claims and operations slow down when identities are fragmented, records are duplicated, and customer or policyholder context changes from system to system. Stibo Systems helps govern the data behind claims handling, customer intelligence, and process automation, reducing manual remediation and making servicing more consistent across the business.
Head of distribution and broker management
Broker, MGA, and intermediary data can be difficult to manage when relationships, authority, commissions, and hierarchies are spread across systems. We help you create a governed intermediary data foundation, giving distribution teams clearer broker visibility, stronger relationship control, and more consistent governance across channels.
Chief digital or AI lead
Digital and AI initiatives inherit the quality, context, and explainability of the data beneath them. STEP provides the trusted foundation that AI agents, models, and analytics need to work with customer, policy, claims, broker, and risk context more reliably across insurance workflows.

Where Stibo Systems helps insurers most

Trusted data foundations for AI
Provide governed, traceable, and context-rich customer, policyholder, policy, broker, claims, and risk data to support analytics, automation and AI-driven workflows.
Customer and policyholder identity resolution
Resolve fragmented identities across systems so teams can reduce duplicate records, improve servicing, and support more consistent customer and policyholder interactions.
Customer group and risk visibility
Connect customers, households, policies, claims, relationships, and exposure data to support clearer risk insight across the business.
Broker, MGA, and intermediary intelligence
Govern broker, MGA, intermediary, authority, and hierarchy data so distribution teams can better manage relationships and operational controls.
Product, policy, and proposition governance
Govern insurance product and policy data so teams can manage definitions, terms, eligibility, propositions, and channel availability with greater consistency.
Claims and operations data foundation
Improve the customer, policy, claims, and relationship data that supports claims handling, operational workflows, and process automation.
Regulatory evidence and auditability
Create governed, traceable data foundations that help teams explain and evidence decisions across regulated insurance processes.

Insurance organizations using trusted data to scale

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Royal London made customer data accessible across lines of business

Royal London relied on Stibo Systems to support digital transformation, streamline business processes, and improve customer experience across multiple business units and systems. With 95% of customer data accessible in one place, customer service teams can connect a single customer record to policies across lines of business and respond with more complete, accurate, and up-to-date information.

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A global insurance provider connected customer data across regions and systems

A global insurance provider unified customer data across regions and systems, establishing a connected foundation for growth and deeper insight. With Stibo Systems, the organization managed 1.3 million customer records, achieved a 25% uplift in record completeness, and deduplicated 33% of records, helping teams improve retention, pursue cross-sell and upsell opportunities, and make more informed decisions around risk mitigation.

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Nets consolidated master data for deeper customer and product insight

Nets, a payment solutions provider operating in 20 countries, consolidated master data across customers, contracts, products, and geographical locations. With Stibo Systems, Nets gained a more complete view of more than 500,000 business-to-business customers, including 140,000 online shops and 250 banks across Europe, creating a stronger foundation for analysis, upsell opportunities, and customer retention.

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Why insurers choose Stibo Systems

Trustworthy intelligence for regulated decisions

We help you govern and connect the data behind underwriting, claims, risk, distribution, customer service, and AI initiatives, so decisions can be more consistent, explainable, and defensible.

Multidomain context beyond customer records

Insurance decisions depend on more than customer data alone. Our solutions help connect customer, policyholder, product, policy, broker, claims, risk, and organizational data so teams can make decisions with broader business context.

Governed identity and relationship context

We help you resolve fragmented customer and policyholder identities while connecting households, policies, claims, brokers and relationships into a clearer business view.

A foundation for responsible AI

We help create the governed, traceable data foundation AI initiatives need before they can support insurance workflows such as servicing, renewals, claims, personalization, and decision automation.

Designed to complement existing insurance architecture

Our solutions support shared data foundations across existing policy, claims, CRM, analytics, and AI platforms without positioning itself as a replacement for those systems.

Insurance MDM FAQ

What is master data management in insurance?

Master data management in insurance is the practice of governing critical customer, policyholder, product, policy, broker, claims, risk and organizational data so insurers can use trusted information across underwriting, claims, compliance, operations, customer service and AI-driven workflows.

How does MDM support underwriting and claims?

MDM supports underwriting and claims by connecting trusted customer, policyholder, policy, claims, broker and risk context so teams can work from more complete, consistent and explainable data when making or supporting decisions.

Why is customer group risk visibility important for insurers?

Customer group risk visibility helps insurers understand customers, households, policies, claims, relationships, and exposure across systems. MDM creates the governed foundation for that visibility by connecting customer, policyholder, policy, claims, broker, risk, and relationship data into trusted context for underwriting, claims, risk, and regulatory decisions.

How does MDM help insurers with regulatory compliance?

MDM can support regulatory compliance by improving the governance, traceability, lineage and explainability of the data used in regulated workflows. It does not replace compliance systems or guarantee compliance, but it helps teams strengthen the data foundation those processes depend on.

How does MDM support AI adoption in insurance?

MDM supports AI adoption by providing governed, trusted and context-rich data that AI agents, models and analytics can use more reliably across insurance workflows.

What is multidomain MDM in insurance?

Multidomain MDM connects and governs multiple critical insurance data domains, such as customer, policyholder, policy, product, broker, claims, risk and organizational data, instead of managing each domain in isolation.

What is the difference between Customer 360 and multidomain MDM for insurance?

Customer 360 typically focuses on customer visibility. Multidomain MDM connects customer data with policies, claims, brokers, products, risk, organizations and relationships so insurers can support broader underwriting, claims, distribution, compliance and AI use cases.

What data foundation is required for trustworthy AI in insurance?

Trustworthy AI in insurance requires governed identities, connected policy and claims context, trusted broker and relationship data, clear provenance, lineage and explainability so automated or AI-supported decisions can be understood and defended.

How does Stibo Systems support insurers?

Stibo Systems supports insurers by helping connect and govern customer, policyholder, product, policy, broker, claims, risk and organizational data for AI readiness, regulatory confidence, operational efficiency and more consistent customer and broker experiences.

Ready to build trusted intelligence for insurance?

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