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We are specialists for the IT of the insurance industry. We have been offering IT consulting solutions and developing innovative software products since 2004.

Business Portrait Florian Schwandt; Terasse

Your contact person

Dr. Florian Schwandt

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Commercial insurance

For small and medium-sized enterprises, effective insurance cover is an important - and in some cases even mandatory – a prerequisite for starting a business.
This is good news for insurers – but this type of business is also starting to bring its challenges. New business types, that operate within unfamiliar parameters, with new risks that need to be covered individually, such as cyberattacks. Standard packages are often no longer sufficient.
Instead, individual offers and risk analyses are necessary. Our efficient systems can support you in the best possible way:

Faktor-IPS®, our product system, manages insurance products simply and efficiently, makes the product knowledge centrally available to the other systems and can be easily scaled. It combines state-of-the-art technology with virtually unlimited technical product design and product bundling options. Integrated with a quotation system, Faktor-IPS also calculates the required quotations and variants. 

Faktor-IPM is a complete, modern policy management system - including corresponding reference processes.

Faktor-IOS, our offer and quotation system, supports sales across all channels. Faktor-IOS automates the risk analysis with a clearly defined and structured questionnaire. The appropriate offer is then automatically calculated.

Faktor-ICS, our claims system, rounds off our offer for commercial insurers.


Implement new digital business models quickly and future-proof with the Faktor-Zehn-Suite

The Faktor-Zehn-Suite supports the insurance 4.0 from product modelling through to the fulfillment of the claim itself. The suite components are built on a common platform and use standard reference model.

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Define and design your insurance products and services centrally using open source technology

Faktor-IPS allows you to manage and configure the data model, products and services centrally. Automatically generated Java code then transfers the products and services to all linked systems. This Java code can also be used for developing product-driven operational systems.

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Model and manage your insurance contracts and products efficiently and make sure they are future-proof

Faktor-IPM allows you to model products and contract structures freely, whilst simultaneously using all standard functions. This unique interaction provides a high degree of automation and enables new products to be introduced in a single day. Pre-configured products, business transactions and interfaces are already available for all non-life business, including automotive.

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Target your customers using new and existing digital distribution channels.

Faktor-IOS enables you to manage your offers and quotations centrally and makes sure they are available across different sales channels. Thanks to the integrated product system Faktor-IPS, you can adapt your existing products and service modules quickly and easily - and implement your individual sales channel strategy.

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Fulfilling your claims promises quickly and efficiently for current and future products.

With Faktor-ICS new product and service ideas can be implemented quickly, whilst leveraging the potential for comprehensive automation and shadow processing. For a quick start, use the pre-configured processes and functions or map your own sets of rules. Thanks to the flexible architecture and modern web-based interface, it’s simple and intuitive.

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