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1. Property Casualty 360
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Upgrading Your ECM: More and Different
Content Creates New Problems
With more and different information being
collected each second by insurance carriers
and the methods in which that content is being
collected also changing rapidly, many
insurance carriers are looking closely at their
enterprise content management (ECM)
systems and the upgrades that may be needed.
Steve Callahan, practice director at the
management consulting firm Robert E. Nolan
Co., points to portals, social networking,
agency automation, and self-service functions
as new ways carriers are employing to collect
data as well as the shift away from paper to
new forms of electronic data.
“This is forcing insurers to take a new look at the mature technologies like workflow and imaging” that
carriers have been using for over a decade, says Callahan. “Those two areas have been around forever, but we
are finding more companies taking a step back into the well-proven realm of optimized workflow and are re-
doing it in the context of some new technology, new processes, new sources of data, and new kinds of data.
They are making an impact.”
When carriers were first introduced to content management, the technology had a great impact in the
number of ways data was being used. That number continues to increase and Callahan maintains carriers are
now studying how the data gets routed.
“They are revamping a good deal of the traditional technology,” he says. “There’s also a geographic
dispersion with remote employees. This is causing people to step back and maybe restructure their approach
to storage and management of data. As changes come in the industry they are revisiting the infrastructure
and looking at different solutions.”
One of the key areas to focus on is unstructured data, which to many people means audio and video files and
photographs, but Callahan points out that some text files also are unstructured and if insurers cut up the
unstructured data pie, text data is the largest portion of the pie followed by images—accident pictures,
inspection pictures of a house—and then audio files, such as recorded reports for claims investigations.
BY ROBERT REGIS HYLE, PROPERTYCASUALTY360.COM
October 17, 2012 • Reprints
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2. “Companies are trying figure out how to get into the data in an automated manner,” he says. “Some text
analytics tools are doing mining through actual unstructured images of data and are getting out meaningful
information.”
Callahan reports that an insurer he has worked with has conducted text mining research on workers’ comp
business where they are running tools against the claims files looking for words that would profile risks or
exceptions. Their system also is going through images stored in their imaging systems “like they were
adjustors going through a file.”
Callahan believes this is a good use of text analytics.
“They are not changing how data is stored, but they are changing the way they are looking at it,” he says.
“The industry is very effective with structured data. The biggest challenges with structured data are
redundancy and quality, not infrastructure or management. When you look at unstructured data it becomes
the volume and indexing that makes it more challenging.”
Callahan also has seen telephone tools work well at creating links to integrate into a carrier’s administration
systems.
“You have recorded calls on service transactions that have a link to the legacy or new admin system so you
can get to the entire experience of that client,” he says.
The extent that carriers are now dealing with unstructured data is overwhelming, points out Callahan.
“If you look at telematics on the p&c side and the flood of data coming in from social media, indexing is the
key and that’s where I see advances,” he says “The metadata is the key to get to the analytics. If the analytics
tools know where to look, they can give you the answer. Knowing where to look is the challenge.”
With so much data coming in, Callahan believes storage remains an issue, although he sees some leading-
edge carriers moving in the direction of the cloud, although most carriers are more cautious because of
security concerns.
“Whenever customer data is leaked it certainly sends trepidations through the insurance industry,” he says.
“Given that most data centers are not proximate to where the operations are, you are operating in the cloud,
although it’s a walled-off cloud. I’m not seeing a major rush to put all the data out there in a cloud. When I
look at cloud I think of timeshares. If I run a variable product off someone’s data center, you are effectively
running that business in the cloud. It’s not necessarily a new concept; it’s just being presented differently.”
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