Case Study: Alamance Farmers’ Mutual Insurance Company achieves 250% premium growth and 1,340% territory expansion with BriteCore

Alamance Farmers’ Mutual By-Peril Rating Leads Major Expansion

Alamance Farmers’ Mutual Insurance Company faced growth limits from manual, paper-based core systems that confined sales to five North Carolina counties, relied on in-house agents, and prevented implementation of by-peril homeowners rating. Seeking remote access, automation, and flexible workflows, Alamance selected BriteCore’s cloud-native core system to support online by-peril rating and broader digital distribution.

BriteCore implemented a customized, cloud-based core with integrations to AAIS for by-peril rating and HazardHub for property-level risk data, enabling independent-agent quoting and streamlined underwriting. The BriteCore solution helped Alamance drive a 250% increase in DWP, expand writing territory from 5 to 67 counties (a 1,340% expansion), achieve 20% policy growth in the new territory, and reduce by-peril underwriting questions by 79%.

Alamance Farmer’s Mutual Insurance Company

Jason Buchek

Underwriter