WHY VCA
We know claims, from every seat we work with
VCA ClaimsCore is claims management software for adjusting firms, TPAs, MGAs and carriers, and for DCAs and coverholders in the Lloyd's market: the claims layer beside the systems you already run, live in weeks, not years.
STAYS IN PLACE
Your Policy or Partner Systems
- Policies
- Rating and Issuance
VCA CLAIMSCORE
The Claims Layer, Deep in the Work
- Loss types in your own terminology
- Reserves by insurer and type, each revision with its reason
- Subrogation and salvage posted against the reserve
- Invoicing with fee schedules and co-insurer splits
- Permissions down to each status and action
STAYS IN PLACE
Your Finance System
- General Ledger
- Accounts Payable
Connected through VCA's API framework
WHY WE EXIST
You should not have to become someone else's shape
An operation's way of working usually took years to get right. VCA's rule is to leave it intact and configure with restraint: match what the work needs, skip the rest, add later.
It shows up in small places. A firm handling livestock claims got a custom Livestock tab, so a horse is never filed as a generic loss.
Claims shouldn't be your afterthought. It's the relationship with the insured. It's about a positive outcome. Claims are everything.
WHAT A CLAIM RESTORES
- Safety"I can recover from this."
- Control"I know what happens next."
- StabilityHome, transportation, income, business operations, daily routine.
- TrustThat the promise made when the policy was purchased will be honored.
- DignityBeing treated fairly and respectfully when someone may already feel vulnerable.
- Forward MotionThe ability to stop dealing with the loss and get back to living or working.
WHY OPERATIONS CHOOSE VCA
Vendors who build suites go wide in software. VCA goes deep in claims.
Depth of Claims Expertise
Built from the claim up, by an adjuster, for the people who work the claim. Each loss type opens with its own tabs and fields, in your terminology. 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.- Building Claims Software
- 20+ years
- Lines of Business
- Every P&C line, casualty included. Not workers' compensation or health benefits.
- Several Firms, One Claim
- Each works it from its own VCA account, connected through VCA's API framework
- On the Claim
- Litigation and Defence flags, and a Cat Code and Treaty Year for CAT work
Speed of Implementation
Live in weeks, not years, because VCA sticks to the essentials of claims. Discovery still comes first, so nothing is configured until the work is understood.- Standard License
- 3 to 4 weeks
- Enterprise License
- 8 to 16 weeks
- Carrier License
- 12 weeks to 6 months
- File handlers learn it in
- About 30 minutes, typically
Capital Efficiency
The spend goes on the claims layer alone, beside the systems you already run.- Cost
- A fraction of the cost of a core replacement
- Scope
- No rip-and-replace across a whole suite
- Add-Ons
- Added for specific jobs, none sold without ClaimsCore
Both Markets, One Platform
- Lloyd's-Market Reporting
- VCA has served the Lloyd's market for more than a decade. Lloyd's-market reporting is graded, audited, and evidenced with data, and a platform that clears it handles a domestic book's audits and client reviews.
- A Lloyd's Book and a Domestic Book
- A TPA, DCA or managing agent can run a Lloyd's book and a domestic book on the same VCA ClaimsCore, without a second system.
YOUR OPTIONS, SIDE BY SIDE
A Claims Platform, or a Core Replacement
If the choice in front of you is a core replacement, here is how the two purchases differ.
| Question | VCA ClaimsCore | A Core Replacement |
|---|---|---|
| What Changes | The claims layer. The systems around it stay where they are, connected through VCA's API framework. | The core systems, replaced together across a whole suite |
| Time to Live | Weeks to months, by band. Discovery comes first on every band; a carrier goes live in 12 weeks to 6 months on a Carrier License. | A multi-year program |
| Cost | A fraction of the cost. Only the claims layer is funded. | The whole core, funded at once |
| Fit | Mapped in discovery. Configured to how your claims already move. | Claims is one part of a wider suite |
CLIENTS WHO STAY
A Third of VCA's Enterprise Clients Renewed in 2026
More than 150 client organizations run claims on VCA, and several of those relationships are longer than ten years. Four of them put their 2026 decisions on the public record.
- Running Claims on VCA
- TWICO, PIB and Unity Claims Management among them
- Capterra
- 4.9 out of 5
- Independent Audit
SOC 1 and SOC 2 certified →
- Unity Claims Management
- Multi-line independent adjusting for carriers nationwide. Renewed in 2026.
- PIB
- Third-party administration of complex property and general liability programs across the United States and Latin America. Renewed in 2026.
- Accelerant
- Program business. Renewed in 2026.
- Western Financial Group
- Delegated claims authority programs across Canada. Expanded its use of the platform in 2026.
With VCA, we're able to show our partners exactly what's happening, when it's happening.
VCA gives us a configurable platform that fits how our claims teams already work, while helping us keep complex delegated authority programs organized, transparent, and easier to manage as they grow.
SOME OF THE CLIENT ORGANIZATIONS ON VCA, ACROSS FOUR REGIONS (THE US, CANADA, THE UK, AUSTRALIA) AND THE LLOYD'S MARKET
Questions a Shortlist Asks
Where is VCA the wrong choice?
In three situations, each set out on the Why Not VCA page: books led by workers' compensation or health benefits, which VCA does not support; a whole core replaced over several years, which is a different purchase; and a new policy administration system, since PolicyConnect brings policy data onto the claim from the one you already run.
Does VCA take on claims work itself?
No. VCA makes claims management software and only claims management software, with no adjusting arm, no TPA division and no claims services business. Being a pure claims company, with no services arm competing with the people it serves, lets VCA stay on their side of the table.
Can we get our claims data out of VCA?
While you are a client, DataBridge, an add-on, sends your claims data out to your own data warehouse or BI tool on a schedule you set, as often as hourly, and only changes are pushed. For the end of an agreement, ask for the format, the timeline and the cost of returning your claims data in writing, and put the same question to every vendor you compare.
How does a VCA implementation run?
In five phases: discovery, configuration, data migration, training and go-live. Nothing is configured until discovery has mapped how your claims actually move: intake sources, assignment rules, authority levels, reporting obligations and the handoffs between teams and partners.
Is VCA a suite with a claims module?
No. VCA is a claims platform. VCA ClaimsCore runs the claim, complete on its own. Add-ons (InsuredConnect, PolicyConnect, ClientPortal, DataBridge, VCA Insights, ClaimsPay, LloydsConnect and ClaimsAI) each do one job on that same platform. ClaimsAI arrives by the end of 2026.
Where does AI fit?
Inside the claim. ClaimsAI, an add-on, finds, summarizes, drafts and surfaces what matters in a claim; the claims professional decides, approves, sets reserves and authorizes payments. Nothing it produces enters the claim record until a person accepts it, and every draft is attributed and written to the activity log. ClaimsAI arrives by the end of 2026.
Has VCA been independently examined?
Yes. Prescient Assurance examined VCA for SOC 1 and SOC 2, Type 1 and Type 2 for each, and VCA holds the reports.
Who runs VCA?
John Varghese is CEO and Ilda Cairns is Chief Product Officer. VCA Software is based in Scottsdale, Arizona and Bolton, Ontario.
Why Not VCA →Security and SOC Reports →How ClaimsAI™ Works → ClaimsAI arrives by the end of 2026.
Bring us a claim where the promise was hard to keep
Scope, timeline, cost, service levels, getting your data back, and what ClaimsAI does and does not do. Bring them to the first conversation, and ask every vendor on your shortlist the same ones.
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