Duck Creek
Agentic, cloud-native P&C insurance core for policy, billing, claims and rating.
By Duck Creek Technologies · HQ Boston, US · 4.0/5 verified-buyer score
Positioning guardrails
Best for
- P&C and general insurers replacing legacy policy, billing or claims systems with a cloud-native core
- Carriers that need frequent multi-state rate, product and bureau updates without disruptive platform upgrades
- Insurers wanting agentic AI embedded in underwriting, FNOL and product configuration workflows
- Global carriers running multiple lines of business, countries and distribution models on one core
Ideal size: 500+ employees (insurance carrier) people · Established carrier with an IT/product organization and a multi-year modernization budget
Not for
- Small carriers or MGAs without budget and IT capacity for a multi-year core program
- Non-insurance businesses — the product is insurance-specific, not a general workflow platform
- Teams that want published list prices, self-serve trials or month-to-month terms
- Insurers needing a live core in days rather than months
Value metrics scorecard
Time-to-Value
6+ months for full core; ~45 days pre-built
~180 days to first production value
Total Cost of Ownership
$1,000,000/yr
Starts at $150,000 · Custom enterprise subscription via Duck Creek OnDemand; no public list price. Scoped by modules, entities and policy volume; the figures here are conservative analyst estimates, not vendor quotes.
Implementation Friction
5/5
Engineering + admin effort required
Buyer Score
out of 5 · verified buyers
Full cost breakdown
Mandatory implementation fee
None
Seat tiers
Not seat-based. Enterprise agreement scoped by modules, entities and transaction volume; no published tiers or minimums.
Add-on costs
- Implementation and change services, typically scoped per program
- Optional modules: reinsurance, distribution management, loss control, embedded payments
- Third-party partner integrations via the Duck Creek Content Exchange
- Duck Creek University training and certification
Company & support
Who is behind Duck Creek, and how your team gets help once it is live.
Company
- Founded
- Not recorded
- Headquarters
- Boston, US
How you get support
We haven’t recorded support channels for Duck Creek yet. Nothing here means unverified — not absent.
Market position
Where Duck Creek sits relative to every other solution in the database. Toggle axes to compare on cost, speed, friction, or buyer score.
Quadrant view
Implementation friction × Verified buyer score
Stack fit signal
Compatibility with standard B2B ecosystems.
No supported MCP path today, so it cannot be driven from an AI client.
AI & MCP readiness
What Duck Creek ships in AI, and what it asks of your ecosystem.
AI features shipped
Vendor describes an 'agentic' Intelligent Core with agentic applications for underwriting workbench, FNOL and product configuration, plus AI-driven decision intelligence and responsible-AI messaging. No available source names the underlying model provider, whether customers can bring their own keys, or any per-action AI logging or export capability.
In your ecosystem
- AI connection
- Not supported
- Model key
- Not recorded
- AI usage audit
- Not recorded
Industry verdicts
How Duck Creek speaks to each vertical it serves — same data, sector lens.
Fintech & Financial ServicesMove money fast without moving risk.
Best for in Fintech & Financial Services
- P&C and general insurance carriers modernizing policy, rating, billing or claims
- Insurers launching new or specialty lines such as commercial auto, homeowners, pet or workers' comp
- Carriers that want reinsurance, distribution management, loss control and embedded payments alongside core
Not for
- Banks, lenders, payments or capital-markets firms — no banking or lending functionality
- Life, health or annuity insurers; Duck Creek is P&C-focused
- Start-up insurtechs wanting a low-cost, self-serve core
Duck Creek's buyer is the insurance carrier rather than a generic fintech. The platform covers the P&C policy lifecycle (policy, rating, billing, claims) plus reinsurance, distribution management, loss control and embedded payments, delivered as Duck Creek OnDemand SaaS. The vendor cites 370+ customers, 33+ of the top 50 North American carriers and 1,200+ implementations, and positions the platform as an agentic 'Intelligent Core'. Pricing is quoted per carrier. Buyers outside P&C insurance, or without a multi-year modernization budget and internal IT/product team, should look elsewhere.
Compliance attestations
* IAPP AIGP certifies individuals, not products. It means named staff hold the credential — not that the platform does.
Bottom line
Duck Creek Technologies is a Boston-based vendor of cloud-native core software for property & casualty insurers. Its Intelligent Core unifies policy, rating, billing, claims, reinsurance, distribution management and embedded payments, delivered as Duck Creek OnDemand SaaS, with agentic applications for underwriting, FNOL and product configuration. The vendor cites 370+ customers and 1,200+ implementations. Pricing is quoted per carrier, and core replacement is a long, high-friction program; ISO 27001 and SOC 2 Type II are published.
Frequently asked questions
What does Duck Creek cost, and how is it priced?
Duck Creek does not publish list prices. Duck Creek OnDemand is sold as a custom enterprise subscription scoped by modules, legal entities and policy or claims volume, and implementation and change services are typically scoped separately. Budget for a six- or seven-figure annual commitment plus a multi-year program; treat any starting price in third-party sources, including this row, as an estimate rather than a vendor list price.
How long until we see production value?
Scope drives the answer. Duck Creek cites 45-day go-live for pre-defined commercial rating products and under six months to configure, test and launch a new complex line of business, while full core modernization programs are typically multi-year. Many carriers start with a single module, such as rating or loss control, to prove value before expanding across the core.
Is Duck Creek secure and compliant enough for regulated insurance data?
Per its security page, Duck Creek OnDemand runs on Microsoft Azure and maintains an ISO 27001-certified information security management system, with annual independent SOC 1 Type II and SOC 2 Type II examinations. PCI DSS applies where Embedded Payments is used. GDPR and similar regimes apply based on each customer's role and jurisdiction, with Duck Creek's controls offered as supporting evidence rather than a blanket guarantee.
Does Duck Creek include AI or agentic capabilities?
The vendor markets an agentic Intelligent Core and lists agentic applications for underwriting workbench, FNOL and product configuration, alongside AI-driven decision intelligence and responsible-AI messaging. However, no available source states which model provider is used, whether customers may bring their own model keys, or whether AI actions are logged or exportable, so those governance questions need direct vendor confirmation.
How does Duck Creek integrate with the rest of our stack?
Through an open, API-first architecture: the vendor cites 2,600+ APIs and 100+ pre-built partner integrations covering geolocation, data pre-fill, MVR, e-signature, payments and analytics, configurable with low code and distributed through the Duck Creek Content Exchange. ISO, AAIS and NCCI content updates are managed as part of the OnDemand service.
Who should not choose Duck Creek?
Non-P&C insurers and non-insurance businesses, small carriers or MGAs without a multi-year budget and an internal IT/product team, and teams that want self-serve pricing or a live core within days. It is also a poor fit if you need life, health, banking or lending functionality.