Bear River Mutual Insurance to Replace Modern On-Premises Core Systems with SaaS for Greater Operational Efficiency and Personalized Service

Bear River Mutual to redeploy resources with investment in the Duck Creek Suite OnDemand

Boston – June 26, 2019 – Duck Creek Technologies announced today that Bear River Mutual Insurance, a Utah-based personal lines insurer, has selected the Duck Creek Suite to advance its digital transformation. They chose Duck Creek Policy, Rating, Billing, Claims, and Insights to replace on-premises core systems acquired from multiple vendors, with an objective of increased efficiency and scalability–made possible with Duck Creek OnDemand, the provider’s SaaS solution for the P&C insurance industry.

Bear River Mutual’s core systems replacement initiative was driven by concerns that portions of its core systems would limit its ability to compete in the market, as well as an understanding that never-ending custom development is not an activity that they want to engage in. Having implemented on-premises claims, policy, and billing systems, along with externally-facing applications, the insurer faced numerous challenges making them work in a customer-centric business. These were compounded by a high cost of upgrades that required staffing well beyond that of their internal resources. In addition, while their custom-built UX was designed to offer superior customer experiences, they found that duplication of rules and custom middleware were regularly needed to provide the level of services they expect to deliver to their stakeholders.

To alleviate these issues, and to eliminate the need for complex coding projects resulting from insufficient configuration tools and core system services that did not fit their needs, Bear River Mutual chose to implement a tightly-integrated suite of core systems built on a highly-configurable, open platform architecture. Further, to ensure seamless upgrades over time, they opted to take delivery of the Duck Creek Suite via the vendor’s OnDemand SaaS solution. This will give Bear River Mutual the ability to focus its resources on customer experiences and insurance product innovation, while efforts such as hosting, maintenance, and upgrades are handed off to the Duck Creek OnDemand team.

“The key trend of cloud-based core system buying has continued to strengthen over the past year, with 75% of insurers making similar decisions,” said Karen Furtado, Partner at Strategy Meets Action. “Insurers that are turning to cloud-based applications such as Duck Creek OnDemand are looking to improve their speed of implementation, lessen the complexity of maintenance, and focus their efforts on differentiating products and services they bring to market.”

“Having replaced our core systems and developed custom portals for our agents and customers over the last 10 years, we learned quite a bit about what drives value in the core and where we should be focusing our resources. We knew that we needed to make a change, and that SaaS was a critical requirement,” said Brian Long, Bear River Mutual’s Vice President of IT. “The largest takeaways from our experience are that on-premises solutions result in taking on significant technical debt in order to leverage connected services; the resource requirement for routine maintenance and upgrades is a continual drag on carrier innovation; and some vendors have gates to features and functions at the expense of the carrier having to take on significant complexity as opposed to fully-baked solutions,” Long continued. “We also learned that developers are creative at finding ways to write code rather than staying within configuration as soon as obstacles are presented, making the robustness of the configuration tools very important. Our key evaluation criteria included a deep look at the capabilities of configuration tools. Of the 16 vendors and 18 solutions we explored, we believe the Duck Creek Suite OnDemand is the most comprehensive answer to these issues. In many cases, the separation between Duck Creek and other solutions was substantial.”

“This core systems replacement represents a significant shift for Bear River Mutual and is yet another signal that the market is moving firmly away from on-premises applications to SaaS,” said Andy Dey, Chief Product and Technology Officer of Duck Creek Technologies. “Duck Creek OnDemand will let Bear River Mutual focus on the right challenges—growing its book of business and building the new products and customer experiences their policyholders expect—while our team handles day-to-day IT operations and application upgrades for them behind the scenes. We are happy to welcome Bear River Mutual to the Duck Creek family and look forward to helping them continue to grow and succeed.”

About Bear River Mutual:

Bear River Mutual Insurance Company is Utah’s oldest mutual property and casualty insurance company. The company was organized July 1, 1909, in the Northern Utah farming community of Garland along the banks of the Bear River. It was formed shortly after the founding of Garland as a way to help the local farmers obtain insurance at more affordable rates than Utah’s other companies offered. The founders of the company realized that if they pooled their resources among a select group of insured, with similar values and characteristics, they could not only lessen the financial uncertainties that can come from a property or casualty loss, but also lessen the cost of that protection. To learn more, visit

About Duck Creek Technologies:

Duck Creek Technologies paves a genuine path to the future for P&C insurance companies. Decades of insurance experience underpin advanced technologies specifically designed to accommodate change—allowing carriers to navigate uncertainty and capture market opportunities faster than their competitors. Duck Creek solutions are available standalone or as a full suite. All are available via Duck Creek OnDemand, the provider’s SaaS solution for the P&C insurance industry. For more information, visit

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