Guidewire is a leading provider of cloud-based software for property and casualty (P&C) insurers, powering core operations like policy, billing, and claims management.

Guidewire is actively integrating large language models (LLMs) and generative AI into its core products — enabling automation in claims triage, underwriting, fraud detection, document analysis, and developer workflows via partnerships with vendors like OpenAI and Earnix.

All AI and LLM-powered features are bundled within enterprise (org-level) platform contracts. There is no per-user, metered, or outcome-based pricing — AI is accessible to all insured users within the licensed entity.

Duck Creek delivers cloud-based core systems (policy, billing, claims) and a broad suite of automation, analytics, and management tools for insurance carriers.

Duck Creek rapidly integrates LLM and agentic AI — using Microsoft, expert.ai, and Charlee.ai partnerships to automate claims, underwriting, document processing, and customer communications.

All AI (including LLM features) is available to customers as part of all-user, organization-level contracts. There is no freemium or granular pay-as-you-go AI; unlimited users gain access within contracted scope.