THE CLAIMS PLATFORM
VCA ClaimsCore
VCA ClaimsCore is the claims platform for property and casualty operations, complete on its own. It carries each claim from first notice to close, in your loss types and your terminology. Implementation starts with discovery and has you live in weeks, not years.
IN EVERY SEAT'S PACKAGE
CONFIGURED TO FIT
- Loss Types, Tabs and Fields
- Stages, Permissions and Rules
- Authority Limits for Each User
- Letters, Templates and Fee Schedules
Lines of business, loss types, statuses, diaries and alerts are set in the admin console, without a developer
VCA CLAIMSCORE
One Claim, First Notice to Close
- Loss Types→
- Assignment and Workflow→
- Notes and Documents→
- Letters and Email→
- Reserves and Payments→
- Access and Audit Trail→
- Reporting→
- Invoicing and Time→
Add ClaimsAI and it works inside the claim
WHO WORKS IT
- Adjusters
- Claims Managers
- Support and Admin
- QA and Compliance
Managers can be set up to switch between their teams' claims, and administrators set the system up in the admin console
THE PROBLEM IT SOLVES
When one claim is spread across a legacy system, an inbox and a spreadsheet, every handoff means keying it in again and every audit means rebuilding the story after the fact.
WHAT IT DOES
What does VCA ClaimsCore do?
Eight capabilities, and the carrier work beneath them, before any add-on.
Configured by Loss Type
Each loss type opens with its own tabs and fields, in your own terminology, from first notice.
FNOL Software →Assignment and Workflow
Your own stages, permissions and rules. Assign by hand, from a queue, or by loss location, workload or client, with a live status monitor for what is moving and what is stalled. Turn on automatic acknowledgment, and assigning a claim also emails the client your acknowledgment letter, filled from the claim, and logs a file note.
Claim Tracking →Notes, Documents and Photos
Notes, drag-and-drop and bulk upload, and combined PDF packages, all timestamped and kept on the claim.
Letters and Email
Word-based letters and reports that fill from the claim, and email sent from the claim through your own mail server and logged to it.
Reserves, Authority and Payments
Reserves by insurer and by type, from your own list of reserve types: Indemnity, Loss Reserve, Expense or Adjusting Fees, for example. Each revision keeps its reason and who made it. Payments can be tied to their reserves, as pending, approved and processed, and VCA checks that the reserve has the funds when a payment is entered against it.
Access and Audit Trail
Permissions down to individual statuses and actions, and a record on every claim of who did what, and when.
Reporting and Admin Console
Standard and company-wide reports, on-the-fly data queries and personal analytics charts from the same claims, and an admin console where your team sets lines of business, loss types, statuses, diaries and alerts without a developer.
Invoicing, Time and Expense
For operations that bill their clients: time and expenses logged on the claim, fee schedules by client, and invoices split across co-insurers. Intuit QuickBooks and Sage receive the invoices.
RECOVERIES, LITIGATION AND CAT ON THE CLAIM
- RecoveriesSubrogation and salvage on the claim: the recovery type, who it came from, who received it, the amount and the date. Each recovery can be set against a reserve type for reporting, reports show the net recovery, and a Subrogation Potential flag marks the ones worth pursuing.
- Litigation and Defence FlagsLitigation and defense flags mark the claims that need special handling. Defense counsel attach to the claim as contacts, and payments to attorneys are recorded on it.
- Catastrophe WorkEach claim's loss details carry a Cat Code and Treaty Year, and a CAT claim team takes the surge assignments and searches them as one set.
Also in the Core: adjuster license tracking, the interface in English, French or Spanish, and an API framework for policy-system, partner and finance connectivity. XactAnalysis, Symbility, Encircle and the Rest of What VCA Connects To →
WHY IT MATTERS
What Changes When Each Claim Lives in One Place
45 → 10 minutes
to process a claim at Unity Claims, which manages fleet and hire-car claims in Australia
Read the Case Study →Cleaner Handoffs
What is already on the claim fills letters, emails and invoices, so it isn't keyed in again. The next person picks it up where the last one stopped.
Reserves That Reconcile
Each reserve shows the payments made against it and the balance remaining, so nobody works it out in a spreadsheet.
Audit-Ready by Default
The audit trail is written as the work happens, so an auditor reads the record on the claim and nobody has to rebuild it.
Fitted to How You Work
A firm handling livestock claims got its own Livestock tab instead of describing a horse as a generic loss. Configure what matches the work, skip the rest, add later.
ONE CONTROL, ON THE CLAIM
When a Reserve Goes Past an Adjuster's Limit
- Reserve Above the LimitAn adjuster enters a reserve past their own authority.
- Submitted for ApprovalClaimsCore stops and prompts a submission.
- Approver ChosenThe request routes to the approver they pick.
- Waiting in Pending ApprovalsThe request shows on the claim, waiting for approval.
- Note Written to the ClaimWho it was sent to, recorded on the claim.
ADD TO CLAIMSCORE
Make ClaimsCore your own
Each add-on does one job on the same claim, added when your operation takes on that work.
- VCA ClaimsCoreWhere every claim is workedClaimsAI™Works inside the claim, on the core.
- InsuredConnectPolicyholder self-service
- PolicyConnectPolicy detail on the claim
- DataBridgeData to your warehouse
- ClientPortalClients see their claims
- ClaimsPayIssues payments from the claim
- VCA InsightsAnalytics across the book
- LloydsConnectBordereaux from the claim
ClaimsPay issues the payments approved in ClaimsCore. ClaimsCore reports on its own claims and queues, and VCA Insights adds analytics across the book, by team, client, claim type and line of business.
A Typical Package, by Seat
Every seat can run on ClaimsCore alone. When a seat takes add-ons, a typical package looks like this:Each seat's own page shows the package it typically adds.
Domestic Market
- CarriersInsuredConnect, PolicyConnect, DataBridge, ClaimsPay, VCA Insights→
- MGAs and ProgramsPolicyConnect, DataBridge, ClaimsPay, VCA Insights, LloydsConnect→
- TPAsInsuredConnect, DataBridge, ClientPortal, ClaimsPay, VCA Insights→
- Independent Adjusters and Adjusting FirmsClientPortal, VCA Insights→
- Captives and Self-InsuredsVCA Insights→
- Law FirmsClaimsPay→
Lloyd's Market
ADD-ON: CLAIMSAI
Vicky™, Your Team's New Colleague, Powered by ClaimsAI
Once a claim is in ClaimsCore, she reads the documents your adjusters upload, summarizes what matters, drafts for review, and answers questions about that claim.
She never sets a reserve, approves a payment, or decides a claim. She does not update anything in the claim: what she drafts reaches it only when a person copies it there. She helps. You decide.
WHY VCA
Why Operations Choose VCA
Two decades of claims logic are built into VCA, learned one file at a time from the people who work them. No new entrant starts with that, and no AI model can infer it.
Suites go wide in software. ClaimsCore goes deep in claims.
- Depth of Claims ExpertiseBuilt from the claim up, by an adjuster, for the people who work the claim and the people who answer for it. VCA has been building claims software for more than 20 years, and some clients have been with it for more than ten.Why VCA →
- Speed of ImplementationDiscovery first, then live in weeks, because VCA sticks to the essentials of claims instead of everything a suite has to build.
- Capital EfficiencyYou buy the claims layer, beside the policy system and ledger you already run, and only the add-ons your work needs, at a fraction of the cost of a core replacement.
Questions About VCA ClaimsCore
What is VCA ClaimsCore?
VCA ClaimsCore is VCA Software's claims management platform for property and casualty claims operations. It carries each claim from first notice to close: configuration by loss type, assignment and workflow, notes and documents, letters and email, reserves and payments, access and the audit trail, reporting, and invoicing, time and expense. Add-ons work on the same claim, and none is sold without ClaimsCore.
Do we need an add-on to run claims on ClaimsCore?
No. VCA ClaimsCore is complete on its own, and a client running only ClaimsCore is never at a disadvantage. InsuredConnect, PolicyConnect, ClientPortal, DataBridge, ClaimsPay, VCA Insights and LloydsConnect are each added for a specific job, when an operation takes on that work.
Does ClaimsCore replace our policy administration system?
No. ClaimsCore runs claims beside the policy administration system you already have. Its API framework connects policy-system, partner and finance data, and PolicyConnect, an add-on, brings policy detail onto the claim from the policy system.
We oversee claims our TPAs handle. How does ClaimsCore fit?
Your TPA can work your claims as a claims team inside your own VCA account, so you can assign claims across your teams and compare its performance with your in-house handlers. ClientPortal shows you your own claims, VCA Insights reports across the book, and DataBridge delivers the data into your own warehouse. The three are add-ons, added to ClaimsCore.
How long does it take to go live on ClaimsCore?
Weeks, not years. Every VCA implementation starts with discovery, which maps how your claims actually move before anything is configured. Carriers plan on the Carrier License: 12 weeks to 6 months. An Enterprise License deployment runs 8 to 16 weeks, and on a Standard License, configured to your workflows, ClaimsCore goes live in 3 to 4 weeks. Which band you are in is scoped at quote. File handlers typically need 30 to 60 minutes of training.
Can you move our existing claims, and what do you need from us?
Yes. Open and historical claims can move into VCA ClaimsCore. What VCA needs from you starts in discovery, a workflow assessment of intake and assignment, day-to-day handling, billing and reporting. Vanguard Claims moved 36,000 claim files onto VCA in four months.
Who is ClaimsCore not the right fit for?
ClaimsCore is built for claims operations that need to be live in weeks. A multi-year core replacement is a different purchase. It is a multi-line property and casualty system, but not for workers' compensation or health benefits claims, so a workers' compensation or health benefits book should look elsewhere.
How is ClaimsCore secured?
Client data is encrypted in transit and at rest, and VCA supports single sign-on (SSO). VCA holds SOC 1 and SOC 2 reports, examined by Prescient Assurance. Inside ClaimsCore, permissions reach down to individual statuses and actions, and each claim keeps a record of who did what, and when.
Can we get our claims data out of ClaimsCore?
Yes. Your claims data is yours. Each claim can be exported as XML with every file note, ready to import into another system, and your data queries export to CSV. For a scheduled feed, DataBridge, an add-on, pushes your claims data into your own environment as structured data, as often as hourly.
Bring us a claim where the promise was hard to keep
Tell us the lines you handle, the programs you run and who else touches your claims. The conversation starts there.
Request a Demo