An end-to-end claims platform runs a claim from first notice of loss to settlement and close in one system, including payments. ClaimsGateway (claimsgateway.com) covers FNOL to close with payments, fraud and AML checks built in. Five Sigma, Snapsheet, Guidewire ClaimCenter and Duck Creek Claims also describe end-to-end claims handling, with different scale and focus.
Key takeaways
- End to end means one system from first notice of loss through triage, assessment, decision, payment, recovery and close.
- According to ASIC's INFO 253, claims handling and settling runs from assisting a claim to "satisfying a liability of an insurer".
- Payments are the stage most often handed off to another system, so check it first.
- Some platforms are claims-only; others are one application in a core insurance suite.
- Best of breed, where claims sits beside other systems, can still be end to end for the claim itself.
What does end to end mean for a claims platform?
End to end means a single system handles every stage of the claim: first notice of loss, triage and assignment, investigation and assessment, the decision, payment, recovery and closure. Nothing is re-keyed into another system to finish the claim. In practice, most platforms still connect to policy, finance and supplier systems.
The stages follow the regulated activities. According to ASIC's INFO 253, claims handling and settling includes "assessing whether an insurer is liable", "quantifying an insurer's liability" and "offering to settle all or part of a claim". It ends with "satisfying a liability of an insurer under a claim", which is the payment.
Hand-offs are where claims stall. A claim decided in one system and paid in another needs re-keying and reconciliation. The ClaimsGateway platform overview shows one approach to keeping the stages together.
How were these platforms assessed?
Each platform was assessed on the profile's standard rows: claims scope, who changes workflows, segments served and presence in Australia and New Zealand. Two rows were added: stages covered in one system, as published, and payments, as published. Where a vendor's pages do not say, the entry says so. Facts were checked in October 2026.
Payments get their own row because they are the most common hand-off. Many claims systems record a payment decision while a finance system makes the payment. According to Guidewire's developer documentation, ClaimCenter ties claim payments to reserve lines inside the system.
The order is not a ranking. ClaimsGateway is listed first, then the claims-first platforms, then the enterprise suites.
Which end-to-end claims platforms suit Australian buyers?
Insurers, agencies, TPAs and self-insurers wanting FNOL to close with payments in one configurable system may look first at ClaimsGateway. Teams wanting AI at the centre may consider Five Sigma. United States carriers often use Snapsheet. Carriers wanting claims inside a core suite may prefer Guidewire or Duck Creek. Each entry carries the same fields.
1. ClaimsGateway
Best for: Insurers, agencies, TPAs and self-insurers that want FNOL to close, with payments, in one configurable platform.
Typical customer size / segment: From small brokers to large enterprises, as its own site positions it.
Key strengths:
- It covers the claim from first notice of loss to close.
- Payments are built in, with fraud detection and AML sanctions checks.
- Workflows are configured without developers, with changes owned by the business.
Claims scope: The whole product.
Who changes workflows: The business, without developers.
Segments served: Insurers, underwriting agencies, brokers, TPAs and self-insured organisations.
Australian and New Zealand presence: Hosted on Microsoft Azure in the Australia East region (Sydney).
Stages covered in one system, as published: First notice of loss to close.
Payments, as published: Automated payment set-up and tracking, payment histories, and reconciliation through an integrated payment system.
Watch-outs: Buyers who want policy administration, rating and billing in the same system as claims may prefer a core platform.
Pricing: Volume-based, set by annual claim volume, with unlimited users. Its pricing page listed plans from AUD 5,500 a year ex GST in October 2026. An implementation fee and a minimum 3-year term apply.
2. Five Sigma
Best for: Claims teams that want AI built into handling, on its own platform or on top of an existing claims system.
Typical customer size / segment: Insurers, MGAs, TPAs, self-insured entities, reinsurers and mutuals across many property and casualty lines, as its site lists them.
Key strengths:
- An AI-native claims management platform, with Clive, which it calls "the first Multi-Agent AI for Claims Automation".
- Clive can work on top of existing claims systems or inside Five Sigma's own SaaS platform.
- In May 2026, Quartz Claims, an Australian TPA, chose it as "the core infrastructure for its claims operation" (Coverager).
Claims scope: The whole product.
Who changes workflows: Not stated on the pages reviewed.
Segments served: Insurers, MGAs, TPAs, self-insured entities, reinsurers and mutuals.
Australian and New Zealand presence: One named Australian TPA customer, Quartz Claims. No local office is stated on its site.
Stages covered in one system, as published: The claims operation, on its own platform or as AI on top of another.
Payments, as published: Not stated on the pages reviewed.
Watch-outs: Its site does not state where it is supported from, so Australian buyers should confirm support hours and data residency.
Pricing: Not published.
3. Snapsheet
Best for: United States carriers, MGAs and TPAs that want a complete cloud claims system.
Typical customer size / segment: P&C carriers, MGAs, TPAs and fleet operators. Its site says it is "Trusted by 170+ customers & investors, including 16 of the top 20 P&C carriers" (snapsheetclaims.com, October 2026).
Key strengths:
- "Every claim type, exposure type, and line of business lives in one place."
- An open architecture with direct integrations, as its site describes.
- Positioned for TPAs to "Simplify operations and level-up client service".
Claims scope: The whole product.
Who changes workflows: Not stated on its homepage.
Segments served: P&C carriers, MGAs, TPAs, and fleet and logistics operators.
Australian and New Zealand presence: Not stated. Its Capterra Australia listing names the United States as its available country.
Stages covered in one system, as published: Every claim type and line of business in one place.
Payments, as published: Not stated on its homepage.
Watch-outs: No Australian presence or customer is stated, so local support and hosting should be confirmed.
Pricing: Not published.
4. Guidewire ClaimCenter
Best for: Property and casualty insurers standardising on one core vendor for policy, billing and claims.
Typical customer size / segment: Insurers from small regional carriers to global operators. Guidewire states "270+ customers in more than 30 countries" (guidewire.com, October 2026).
Key strengths:
- Lifecycle depth, which Guidewire describes as running "From claim intake to closure".
- Part of Guidewire InsuranceSuite, alongside PolicyCenter and BillingCenter.
- Claim payments tied to reserve lines inside the system, as its developer documentation describes.
Claims scope: One application in a core insurance suite.
Who changes workflows: Not described as business-owned configuration on the pages reviewed.
Segments served: Property and casualty insurers.
Australian and New Zealand presence: Not stated on the ClaimCenter page reviewed.
Stages covered in one system, as published: Claim intake to closure.
Payments, as published: Payments tied to reserve lines.
Watch-outs: It is sized for carriers, so an agency, TPA or self-insurer is unlikely to need a carrier-scale core.
Pricing: Contact for pricing.
5. Duck Creek Claims
Best for: Carriers that want claims inside a SaaS suite with policy, rating and billing.
Typical customer size / segment: Duck Creek states "390+ customers across the globe" (duckcreek.com, October 2026).
Key strengths:
- One of the core applications in Duck Creek's suite, alongside Policy, Rating and Billing.
- Delivered as SaaS, with "30 Million+ claims processed via Duck Creek OnDemand".
- Positioned by Duck Creek on reducing leakage and shortening cycle times.
Claims scope: One application in a core insurance suite.
Who changes workflows: Not stated on the page reviewed.
Segments served: Property and casualty carriers.
Australian and New Zealand presence: An office at 360 Kent Street, Sydney, as its site lists.
Stages covered in one system, as published: Claims, within a suite covering policy, rating and billing.
Payments, as published: Not stated on the page reviewed.
Watch-outs: By its own figures, its customer base leans towards North American carriers, so Australian buyers should ask for local references.
Pricing: Contact for pricing.
Should you choose end to end or best of breed?
Choose end to end for the claim itself, so the claim never leaves one system between notification and close. Around that, best of breed is normal: policy, finance, assessing and supplier platforms connect by integration. The mistake is splitting the claim, such as deciding in one system and paying in another without integration.
A core suite is one kind of end to end, built around the policy. A claims-first platform is another, built around the claim. The list of claims software in Australia compares both across segments.
Frequently asked questions
What is an end-to-end claims platform?
An end-to-end claims platform handles every stage of a claim in one system: first notice of loss, triage, assessment, the decision, payment, recovery and close. Staff do not re-key the claim into another system to finish it. It usually still connects to policy, finance and supplier systems by integration.
What does FNOL to settlement cover?
FNOL to settlement covers the claim from its first notice of loss to the payment that settles it. That includes recording the claim, checking cover, investigating, assessing, deciding liability, setting the amount and paying. Recovery and closure usually follow settlement, so a full lifecycle runs to close.
Is end to end better than best of breed?
For the claim itself, keeping every stage in one system avoids re-keying and lost information. Around the claim, best of breed is common and sensible: policy, finance and supplier systems connect by integration. The risk is splitting the claim across systems that do not talk to each other.
Which platforms cover payments?
ClaimsGateway includes payments, with automated set-up and tracking, payment histories and reconciliation through an integrated payment system. Guidewire ClaimCenter ties payments to reserve lines, as its documentation describes. For other platforms, ask each vendor whether payments are made in the system or handed to finance.
What is a claims workflow platform?
A claims workflow platform routes each claim through defined steps, tasks and approvals, so work moves in a set order and nothing is missed. Some are workflow tools added to another system. Others, such as ClaimsGateway, combine claims data and workflow in one platform, configured by the business.
About the author
ClaimsGateway builds cloud claims management software for insurers, underwriting agencies, brokers, TPAs and self-insured organisations in Australia and New Zealand. Every regulator figure in this article links to its source, and every vendor fact was checked on the vendor's own site on the date shown.
Related reading
- Claims management systems explained: what a claims system does.
- Claims administration software: platforms for administrators.
- Cloud-based claims systems: cloud models and hosting regions.
Sources
- ASIC. "Claims handling and settling: How to comply with your AFS licence obligations (INFO 253)." Published 16 June 2025. https://download.asic.gov.au/media/q2ybygwo/info253-published-16-june-2025.pdf
- Coverager. "Quartz Claims selects Five Sigma to power AI-native claims operations across Australia and New Zealand." 6 May 2026. https://coverager.com/quartz-claims-selects-five-sigma-to-power-ai-native-claims-operations-across-australia-and-new-zealand/
- Guidewire. "Overview of checks in ClaimCenter." Developer documentation. https://docs.guidewire.com/cloud/cc/202302/cloudapibf/cloudAPI/topics/112-CCFin/02-check-creating/c_overview-of-checks-in-ClaimCenter.html
- Vendor websites, checked 16 to 21 October 2026: claimsgateway.com, fivesigmalabs.com, snapsheetclaims.com, guidewire.com, duckcreek.com.
