Maintaining outdated core systems is the single biggest drain on agility and innovation in the insurance sector today. Many companies spend up to 70% of their entire IT budget just to keep the lights on for legacy platforms. This massive maintenance spend creates a vicious cycle, where most insurers admit their current tech is actively blocking business growth, but there are limited resources to fix the problem.
Solution
Clurgo helps companies break away from this trap. We’ve rewritten critical business applications for one of our clients, a global insurance company. Their systems have previously grown obsolete, after 10-15 years of use. Our team helps transition these legacy systems into modern, high-performing technologies that resolve long-standing performance bottlenecks and technical debt.
Traditional insurance firms are struggling under the weight of IFRS 17 and data governance, where manual workarounds lead to error risks that regulators no longer tolerate. With nearly half of life insurers citing compliance as a major pain point, the move toward built-in, high-performance regulatory tech is no longer optional.
Solution
Clurgo excels at building the connective tissue between strict regulations and legacy architecture. Our work automating GDPR compliance across 100+ systems demonstrates our ability to neutralize regulatory risk at scale. We move your teams away from high-stakes manual reporting and toward a future-ready framework built for total data governance.
Manual paperwork and slow data entry frustrate customers while simultaneously draining profits. Surges in volume, particularly from natural disasters, have pushed the average claims process from 23.9 days in 2024 to 32.4 days in 2025. Without scalable digital infrastructure, many insurers remain stuck in a cycle of fragmented, slow-moving manual workflows that simply cannot keep pace with these spikes.
Solution
Clurgo helps replace these bottlenecks with real-time digital tools. We’ve built mobile apps for partners that lets adjusters document damage and upload photos instantly from the scene. By removing the data entry gap, we boosted adjuster productivity by 25% and delivered the fast, seamless experience your policyholders now expect.
This is a model where Clurgo provides skilled developers, such as senior Java or full-stack engineers, who integrate directly into the client’s internal teams. In these engagements, Clurgo's experts often participate in the client's daily operations and sprint planning as if they were internal employees.
Clurgo provides end-to-end product development where we take responsibility for the project's realization. In this model, the client defines a specific scope, and Clurgo manages the entire team – including developers, testers, and analysts – to deliver the result for a set price.
A core service which involves modernizing or rewriting legacy systems into new technologies to improve performance or reduce high licensing costs. A key example is migrating on-premise systems to cloud environments like AWS.
Clurgo provides ongoing maintenance for existing systems, focusing on stability, bug fixing, and performance upgrades. In some cases, we serve as the first line of support, monitoring system health and coordinating with other technical teams during outages.
Beyond coding, Clurgo provides deep analysis to translate insurance-specific complexities – from 15-year-old legacy systems to field data security – into technical requirements. We act as strategic consultants, proposing the "how" to bridge internal cores with external ecosystems (like repair and valuation systems) to transform manual workflows into automated settlements.
Clurgo partnered with Vienna Insurance Group (VIG) to modernize archaic claims assessment applications that had remained stagnant for 10-15 years, replacing them with a high-performance system that included mobile functionality for field adjusters to document damages directly from the scene.
The project was delivered in three distinct phases, with both the first and second stages lasting approximately 9 months each, and featured a team of 3 specialists in the initial phase who integrated seamlessly with the client’s in-house staff. By automating repair settlements and integrating with the Carvert parts valuation system, Clurgo overcame a minor 1-month delivery delay to achieve a significant estimated 25% increase in adjuster productivity, transforming a legacy bottleneck into a streamlined digital ecosystem.
Insurance leaders often find themselves trapped by obsolete core systems that drain resources and block innovation, yet the fear of a „big bang” failure keeps them tethered to technical debt. Legacy bottlenecks create operational risks that grow every year the system remains stagnant.
Clurgo eliminates this risk through a phased, high-precision migration strategy that prioritizes business continuity. By implementing percentage-based rollouts – as we did when migrating 80,000 accounts with zero downtime – we ensure your system remains 100% available to agents and customers. This „low-risk” engineering approach allows us to catch and resolve issues on a micro-scale, ensuring a seamless transition from archaic infrastructure to a high-performance digital ecosystem without ever halting your daily operations.
Clurgo builds production-ready AI systems that automate claims, underwriting, and risk assessment through real-time data analysis and computer vision. Among others, our team specializes in developing applications that use device cameras for instant damage assessment. This directly accelerates the claims cycle duration.
Our development process also prioritizes security and precision by supporting cloud, on-premise, and hybrid deployments to meet strict regulatory standards. To generate comprehensive requirement sets, our teams also use AI during the discovery phase. This approach mitigates technical risk and ensures that modern AI enhancements integrate seamlessly with existing insurance logic.
Slow, manual claims processing is the primary driver of customer churn and rising operational overhead. When legacy systems can’t communicate with external partners, adjusters are buried in paperwork, leading to settlement delays that damage your brand’s reputation and bottom line.
Clurgo eliminates these frictions by re-engineering claims flows into high-performance, automated ecosystems. By integrating core infrastructure with external networks – such as repair workshops and the Carvert valuation system – we’ve enabled insurers to automate the entire settlement process. Our custom-built solutions have delivered a measurable 25% surge in adjuster productivity, transforming a weeks-long manual ordeal into a streamlined digital experience that ensures faster resolutions for policyholders and zero room for error.
We maintain regulatory compliance and data security by embedding automated governance and industry-standard protocols directly into every project. This approach simplifies managing complex legal risks and data requirements, particularly during sensitive legacy modernization efforts.
To prevent expensive mid-project corrections, we use AI to audit documentation and identify missing regulatory details before coding starts. All this being said, Clurgo also follows strict AI usage policies. We use private, internal assistants for work on highly-regulated environments to keep sensitive data entirely within the client’s ecosystem.
When technical teams lack the flexibility to adapt to an insurer’s specific culture, or take months to kick off a project, legacy debt continues to pile up while the business remains stagnant.
Clurgo eliminates this friction through a high-velocity, low-risk framework designed to modernize your systems without operational downtime.
Clurgo helps insurers eliminate technical debt by re-engineering obsolete systems into technology built for scale. Our teams have years of experience in highly-regulated industries and understand the specificity of building modern insurance architecture.
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