Case Study: Union Mutual achieves 60% premium growth, faster analytics, and 20% cost savings with Guidewire InsuranceNow

Guidewire InsuranceNow in the Cloud Helps Engage Agents, Increase Growth, and Lower Costs

Union Mutual, a 140‑year‑old regional P&C insurer serving New England and New York through independent agents, needed to modernize its legacy technology to make it simpler and faster for agents and insureds. Leadership set a strategic goal to improve ease of doing business, increase straight‑through processing and scalability, and adopt a platform that would let the company grow without proportionally growing staff.

The company implemented Guidewire InsuranceNow (on‑premises in 2012, migrated to the cloud in 2016) using an Agile, partnership‑driven rollout that went live on time and on budget. The change delivered major operational gains: direct written premium grew 60% and surplus 35% with little staff increase, straight‑through processing and agent self‑service exceed 70%, analytics queries fell from hours to minutes, annual infrastructure costs dropped about 20%, and the combined ratio improved.

Union Mutual

Jennifer Galfetti

Chief Financial Officer and Treasurer