Case Study: How One MGA Unified 3 Carriers and a Decade of Data into One Platform

From Fragmentation to Full Clarity: The Story of Kesh Underwriting

In the world of insurance, history matters. Patterns don’t appear overnight. They emerge through years of accumulated data: shifts in risk, changes in broker behavior, and the long-tail nature of claims. Strategic decisions hinge on the ability to see not just what’s happening now, but what happened years ago, and why.

But what happens when that history is scattered across multiple systems, each with its own structure, rules, and terminology? For many MGAs and insurers, that fragmentation means operating in the dark. The past fades, insights are lost, and the business loses its ability to learn from itself.

This was exactly the situation facing Kesh Underwriting, a highly specialized MGA based in Israel with a focus on commercial vehicle insurance. Over a span of ten years, they transitioned between three different insurance partners: Lloyd’s and then two large Israeli insurance companies functioning as fronting carriers. While each shift served the business needs at the time, the cumulative result was a fragmented data environment that lacked cohesion.

Each carrier brought its own systems. Each system introduced different data structures. And with each transition, Kesh's ability to maintain a unified view of their business eroded.

The Challenge: One Business, Three Data Worlds

Despite delivering consistent value to clients and brokers, Kesh faced a growing internal challenge: understanding their own performance across time.

Here’s what their data reality looked like:

• First stage:
  Legacy policy and claims data from the Lloyd’s period, stored in Kesh’s original insurance operations system. Structured for their past needs, but static and limited in flexibility.
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• Second stage:
  Monthly export files from the first fronting carrier, provided as part of a transitional data-sharing agreement. These were semi-structured, often incomplete, and increasingly difficult to analyze.
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• Third stage:
  Manual report extraction from a BI system belonging to the second fronting carrier, requiring extensive compilation efforts just to assemble a usable dataset for analysis.

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The complexity didn’t end at data access. Terminologies were inconsistent. Product codes meant different things in different systems. Broker identifiers didn’t align. Even foundational fields like coverage types, claim categories, and customer attributes varied in naming and structure.

Without a single point of analysis, Kesh's team was forced to manage performance reporting, profitability analysis, and trend monitoring through siloed and often manual workarounds. The result? Slower decisions, increased guesswork, and lost opportunities.

They didn’t need just another BI tool. They needed a partner who understood the business of insurance deeply and could transform technical chaos into analytical clarity.

The Solution: Building One Unified Analytical Language

That’s where InsFocus BI stepped in.

Rather than plugging the three systems into a single dashboard and calling it a solution, the InsFocus team partnered with Kesh to build a comprehensive, insurance-specific data warehouse tailored to their exact structure and analytical needs.

Key components of the solution:

• Multi-source integration:
  Data from Lloyd’s and the two Israeli fronting carriers was mapped and unified within a single data warehouse.
  
  
• Terminology alignment:
  Product types, policy structures, and claim categories were harmonized into a consistent analytical dictionary.
  
  
• Hierarchical consistency:
  ‍Agent relationships, product hierarchies, and time dimensions were standardized to enable segmentation and trend analysis across years.

InsFocus didn’t just unify the data - they built a shared language for understanding the business.
Suddenly, Kesh could analyze premiums, losses, commissions, and profitability by broker or product, across the entire ten-year span, without wondering where the data came from or whether it was comparable.

The Impact: Real Clarity, Real Control

The transformation was immediate. Kesh gained visibility into:

From senior leadership to analysts, the entire organization began operating from a single source of truth. There was no need to re-educate teams, rebuild operations, or replace legacy systems. InsFocus adapted to their world - and made their data work for them.

The solution didn’t just speed up reporting. It eliminated ambiguity. It enabled more confident planning, sharper underwriting, and better-informed decision-making.

Conclusion:
Turning Complexity into Clarity with Insurance-Centric BI

Kesh's journey illustrates what happens when technical excellence meets deep insurance expertise. Their situation, managing multiple carriers over time with inconsistent data access and structural change, is common in the insurance world.

What set Kesh apart was their decision to solve it.

By partnering with InsFocus, Kesh turned fragmentation into fluency. Today, their past isn’t lost in scattered systems. It’s integrated, accessible, and driving smarter decisions.

That’s the power of insurance-centric BI.

If your data is fragmented across systems, timeframes, or insurers, you're not alone.

Let’s talk about how to unify your view and unlock the full value of your insurance data.