One system for your entire insurance business
Hermes centralises the full insurance operation on a single cloud platform. From product creation to financial management, claims, reporting and external integrations — every process runs on one source of truth, available in English, Spanish and French.
Module 1
Underwriting & Issuance
- No-code product workshopDesign and package covers, rates, limits and business rules visually — no code.
- Quote & bindOptimised for instant issuance in niche lines, commercial lines and corporate schemes.
- Rules & authorisationsAutomatic accept, load or refer to an expert underwriter by risk level.
- 360º policy managementFull portfolio history, automated document control, endorsements and renewals.
“Generate complex policy documents — wordings, certificates, endorsements — for your clients in seconds.”
Module 2
Claims with workflow automation
- BPM process engineBPM automates each claim’s workflow: it defines who does what and when, so every file moves through its phases without manual steps or missed deadlines.
- SLA controlSmart assignment by user or department with automated alerts based on response-time KPIs.
- Claims financeRigorous payment-cycle control, technical reserves and detection of pending recoveries.
- Real-time reportingOperational dashboards on each claim, with full traceability.
“Every claim moves forward on its own, step by step, with deadlines under control.”
Module 3
Administration & Finance
- Receipts cycleIssuance, collection, refund, block and unblock; batch collections and refunds; bank-statement reconciliation and unpaid management.
- Commissions & co-brokerageCommissions by intermediary, product and tier — plus co-brokerage: a commission split across several brokers on the same policy, with settlement to each and full traceability of the split.
- Automatic bordereaux (BDX)Premium and claims bordereaux generated and sent on their own on the agreed date, in the format each capacity requires.
- Multi-currency & settlementsOperations, premiums and claims in multiple currencies; settlements and remittances to carriers, intermediaries and reinsurance.
- Accounting & statisticsTechnical accounting that reconciles with your portfolio, plus statistics and triangulations for technical-account analysis.
Module 4
Distribution, CRM & self-service
- Insurance CRMA unified client view linking opportunities, issued policies, receipts and loss ratios.
- Landing pages & portalsInstantly deploy white-label direct-sales portals with your brand — no IT development.
- Policyholder self-serviceA private area where the end client logs in to consult documents, view receipts, update data and manage or cancel cover — cutting your team’s admin.
- Commercial networkManage your distribution network, agents and producers in one place.
“Your policyholders manage their own policy — less administrative work for your team.”
Module 5
API & Reporting
- Documented REST APILet partners quote, issue and manage policies in external systems under regulated limits — embedded insurance.
- Self-service reportingDashboards and queries your teams build and filter without depending on IT.
- Third-party BI suitesConnect Hermes with external Business Intelligence and reporting tools (e.g. Power BI) via API.
- Regulatory & capacity reportsReady-to-use, exportable in the required formats.
How a product is built in Hermes
From concept to market, configured by your team without writing a single line of code. Eight steps, one system.
- 1
Product structure
Categories → Modalities → Combinations. The commercial tree of your product.
- 2
Covers
Parent-child hierarchy, sums insured, sub-limits and deductibles. Reusable across products.
- 3
Rating & formulas
Factors, tables and premium-calculation formulas. Migratable from your current Excel.
- 4
DMN / BPM rules
Underwriting rules, authorisations and business flows — in no-code mode.
- 5
Documents
Templates by phase, automatic generation, e-signature and PDF/Excel download.
- 6
Test & validate
Quote and bind in a test environment before publishing. The product is versioned.
- 7
Publish
Activate the product in the commercial network, a sales landing page or the REST API.
- 8
On the market
Selling across every channel, with receipts, claims and bordereaux from day one.
How long to set up a new product? Weeks.
The no-code product workshop is run by your own team — no development project. Typical time-to-market for a new product: weeks, not months.
Premiums, binders and reinsurance control
Reflect the limits of your binder: capacities, underwriting limits, threshold authorisations and control of delegated-authority usage. Underwriting never strays from what is agreed with your capacity.
Premiums
Premium breakdown by cover and by insurer in multi-product, taxes and surcharges by country, minimum and pro-rata premium, and adjustment on variable policies.
Binders & delegated authority
Reflect the limits of your binder: capacities, underwriting limits, threshold authorisations and control of delegated-authority usage. Underwriting never strays from what is agreed with your capacity.
Reinsurance
Treaty and facultative contracts, automatic cession by rules, reinsurance statements and remittances with associated taxes, and versioning of every contract.
Reinsurance control
A consolidated view of cessions, recoveries and balances by contract and by reinsurer — the traceability your reinsurance programme needs to reconcile.
Agents that do the insurance work, not chatbots that describe it
Hermes runs AI agents across the whole cycle. They act on the same objects your team does — submissions, policies, receipts, claims, bordereaux — inside the authority limits you configure, and every action is logged with the rule it applied and the person who supervised it.
Claims agents
The agent triages the file, proposes the decision, sets the reserve and chases the SLA. The handler validates, and can override at any point.
Operations agents
Repetitive administrative work runs unattended end to end — reconciliation, document classification, and bordereaux assembly and validation.
Underwriting agents
Rating and rules that react to real-world events — weather, market, regulation — and refer anything outside appetite to a human underwriter.
- Automatic data extraction from submissions
- Intelligent document classification
- Bordereaux validation
- Administrative task automation
- Natural-language queries on manuals & rules
- Operational assistance for claims teams
Built to fit multiple lines of business
The no-code product workshop lets you adapt the platform to different business models — without complex development.
- Specialty engine
- Surety
- Liability
- Multi-peril
- Accident
- Legal protection
- Affinity
- Corporate programmes
- Schemes
- Niche products