Guidewire Replacement

Replace Guidewire InsuranceSuite with an agentic core system your carrier owns. We start with your five-year numbers and a working prototype of one of your own products, and we tell you plainly when staying on Guidewire is the cheaper call.
Book a working session
Definition

What is Guidewire replacement?

Guidewire replacement retires PolicyCenter, BillingCenter, and ClaimCenter one line of business at a time and moves policies, billing, and claims onto a core system the carrier owns. Guidewire's fiscal 2026 annual report says it prices core subscriptions on direct written premium, that initial terms generally run five years, and that implementation and testing typically take six to 24 months or longer. The same report lists customers' internally developed solutions, "which may be accelerated by evolving AI technologies," first among Guidewire's competitors. An agentic core is that kind of system: policy, billing, and claims services on your own product model, with AI agents doing configuration, testing, data mapping, and routine servicing under human approval, running in your cloud account at a cost that grows with usage instead of premium.

Five-year Guidewire cost model

Compare staying on Guidewire with replacing it on an agentic core you own. Results update as you type. Defaults are a planning scenario for a mid-size carrier with three lines of business.

Build it with your numbers
1 Your carrier
2 Your costs on each path

What staying on Guidewire costs

$
$
$
$
$

What replacing it with an agentic core costs

$
$
$
A planning model, not a quote. Replace every default with your invoices, contract dates, and staffing.
Services

What does Guidewire replacement include?

Five-year cost model
Working prototype on your product
Agentic core build
Data conversion and parallel run
Line-by-line migration
Run, govern, and keep shipping

Five-year cost model

We rebuild the five-year cost of staying on Guidewire from your invoices, contracts, and staffing, then compare it with migrating to Guidewire Cloud and with replacing. You see the subscription ramp, the integrator and staff costs, the next upgrade, and the month a replacement breaks even before anyone writes code.

Working prototype on your product

Before you commit to a program, we build one of your products on the new core: one line in one state, with your rates, rules, and forms, running quote, bind, issue, an endorsement, and first notice of loss. Your underwriters and claims staff test it on their own scenarios.

Agentic core build

Policy, billing, and claims services run on one data model that matches your products, with products defined as versioned data and every change recorded as an event. AI agents draft product changes, generate tests, and handle routine servicing, and a person approves anything that binds, pays, or changes coverage.

Data conversion and parallel run

Policies in force, billing histories, and open claims move with agent-assisted mapping and automated reconciliation. Each line runs in parallel with Guidewire until the numbers match, and existing policies convert at renewal so each one moves once.

Line-by-line migration

Lines move one at a time, and within a line, state by state, so every cutover is small enough to reverse. We plan the schedule backward from your Guidewire term date, so the last line leaves before a renewal you do not need.

Run, govern, and keep shipping

We run the platform with your team and ship product, rate, and regulatory changes on your schedule. The agent controls regulators expect under the NAIC Model Bulletin on AI come built in: an inventory, authority checks, human approval for binding decisions, and a full audit trail.

Our approach

Model it, prove it, replace it, run it

01

Model the five years

Your invoices, contract dates, and staffing go into a five-year comparison of staying, migrating to Guidewire Cloud, and replacing, with the breakeven month and the contract dates that drive it.

02

Prove it on one product

We build one of your products on the new core and your people test it on their own scenarios, so the decision rests on a working system as well as the model.

03

Replace line by line

Each line goes live on its own date, runs in parallel until reconciliation passes, and converts existing policies at renewal. The plan works backward from your Guidewire term date.

04

Run and keep shipping

The new core ships product, rate, and regulatory changes on your schedule, with agents doing the configuration and testing work under human approval and a full audit trail.

contact us

Is your Guidewire renewal inside three years?

Talk to our insurance team about your contract dates, your product roadmap, and what a working prototype of one of your products would show. We build the five-year model from your numbers first.

Our Advantage

Why us for Guidewire replacement

Guidewire experience on the team

Our insurance team includes people who helped lead a Guidewire implementation practice of thousands of professionals at a Big Four firm. We know where the integrator hours, the upgrade costs, and the contract ramps sit.

No license to protect

We do not implement or resell Guidewire or any other suite, and we take no vendor margin. We sell engineering, so when the five-year model says staying on Guidewire is cheaper, we tell you.

Part of Andersen Consulting

BD Emerson is joining Andersen Consulting, announced August 10, 2026 with closing expected in Q4 2026. Andersen Consulting's recent insurance work includes platforms that enabled the launch of two new insurance companies in less than a year each.

Reviews

What our customers say

Great consulting firms for scaling security, compliance, and appsec.

Outstanding partner in Technical and Cyber Due Diligence

Appsec maturity and application hardening.

BD Emerson helped us simplfiy our compliance management.

BD Emerson did such a phenomenal job. What started as privacy support quickly became a full partnership across compliance, engineering, and even business operations. They’re embedded with our team. They understand our product. They move fast. They’re simply invaluable.

Adam Ben Jacobs

CTO @ OneStep GPS

Great consulting firms for scaling security, compliance, and appsec.

Outstanding partner in Technical and Cyber Due Diligence

Appsec maturity and application hardening.

BD Emerson helped us simplfiy our compliance management.

BD Emerson did such a phenomenal job. What started as privacy support quickly became a full partnership across compliance, engineering, and even business operations. They’re embedded with our team. They understand our product. They move fast. They’re simply invaluable.

Adam Ben Jacobs

CTO @ OneStep GPS

We had a hard time finding the right company to partner with in support of our compliance journey. Some vendors sell the idea that they do the work, but then you end up doing everything. The ambiguity is what killed our last project. BD Emerson’s team has such great technical knowledge and understands the standard so well that they made us comfortable with moving fast. This has led to us closing major enterprise customers that were previously out of reach because of security and compliance.

Tom Watkins

CEO @ AMI AssetTrack

Lead an enterprise initiative to overhaul the organization's technology stack from ecommerce, corporate tech, and corporate security.

Supported ISO 42001 exercise and served as internal auditor.

Rubrik's privacy and compliance team began with the backbone of BD Emerson. BD Emerson supported building out the privacy program, GRC (ISO 27001, SOC 2, CMMC, FedRAMP), and the appsec function.

We needed a partner who could move quickly, without sacrificing precision. BD Emerson brought the expertise, structure, and speed we were looking for. Their team became an extension of ours, embedding themselves across the organization, guiding us step by step, and giving us confidence in areas we hadn’t tackled before. The internal audit they conducted was so detailed that even the external auditors called it out. Achieving ISO 27001 with zero nonconformities says everything you need to know about the quality of the partnership.

Walid Souilem

CTO @ FGI Worldwide

We had a hard time finding the right company to partner with in support of our compliance journey. Some vendors sell the idea that they do the work, but then you end up doing everything. The ambiguity is what killed our last project. BD Emerson’s team has such great technical knowledge and understands the standard so well that they made us comfortable with moving fast. This has led to us closing major enterprise customers that were previously out of reach because of security and compliance.

Tom Watkins

CEO @ AMI AssetTrack

Lead an enterprise initiative to overhaul the organization's technology stack from ecommerce, corporate tech, and corporate security.

Supported ISO 42001 exercise and served as internal auditor.

Rubrik's privacy and compliance team began with the backbone of BD Emerson. BD Emerson supported building out the privacy program, GRC (ISO 27001, SOC 2, CMMC, FedRAMP), and the appsec function.

We needed a partner who could move quickly, without sacrificing precision. BD Emerson brought the expertise, structure, and speed we were looking for. Their team became an extension of ours, embedding themselves across the organization, guiding us step by step, and giving us confidence in areas we hadn’t tackled before. The internal audit they conducted was so detailed that even the external auditors called it out. Achieving ISO 27001 with zero nonconformities says everything you need to know about the quality of the partnership.

Walid Souilem

CTO @ FGI Worldwide

BD Emerson didn’t just help us meet our compliance goals; they integrated security and privacy into the core of our operations. I highly recommend BD Emerson to anyone seeking SOC 2 or GDPR compliance, or simply looking to enhance their security team and boost customer trust in their product and services. Their dedication and expertise have been invaluable to our success.

Padraig Reilly

CEO, Boxcore

BD Emerson understood our business requirements and worked side-by-side with us. The policies and controls we developed together not only meet compliance standards but improve how we operate day to day.

Matt Meierdierks

IT Manager, Lincoln Industries

From day one, BD Emerson brought urgency, clarity, and a sharp understanding of what truly matters to our business — earning and keeping customer trust. They went beyond helping us meet compliance requirements; they helped build a foundation for secure, scalable growth. That kind of partnership is rare.

Jason Marker

CEO @ LifeLenz

BD Emerson didn’t just help us pass an audit—they helped us build a sustainable culture of security.

Alexey Indeev

CTO Spare

BD Emerson was essential in helping our company navigate the daunting process of leveling up our security infrastructure. BD Emerson’s impressive expertise and confidence throughout the process helped our team exceed HIPAA and SOC 2 Type 1 standards quickly, distilling what can be an overwhelming process into a streamlined, organized effort. From day one they began adding value and getting us on course. With their help we delivered on a massive security overhaul with both extreme efficiency and thorough attention to details. Because of BD Emerson’s support, we’ve increased our clients’ trust in Titan Intake and the life-changing work it accomplishes for those seeking specialist referrals.

Patrick Bruce

CEO, Titan Intake

BD Emerson didn’t just help us meet our compliance goals; they integrated security and privacy into the core of our operations. I highly recommend BD Emerson to anyone seeking SOC 2 or GDPR compliance, or simply looking to enhance their security team and boost customer trust in their product and services. Their dedication and expertise have been invaluable to our success.

Padraig Reilly

CEO, Boxcore

BD Emerson understood our business requirements and worked side-by-side with us. The policies and controls we developed together not only meet compliance standards but improve how we operate day to day.

Matt Meierdierks

IT Manager, Lincoln Industries

From day one, BD Emerson brought urgency, clarity, and a sharp understanding of what truly matters to our business — earning and keeping customer trust. They went beyond helping us meet compliance requirements; they helped build a foundation for secure, scalable growth. That kind of partnership is rare.

Jason Marker

CEO @ LifeLenz

BD Emerson didn’t just help us pass an audit—they helped us build a sustainable culture of security.

Alexey Indeev

CTO Spare

BD Emerson was essential in helping our company navigate the daunting process of leveling up our security infrastructure. BD Emerson’s impressive expertise and confidence throughout the process helped our team exceed HIPAA and SOC 2 Type 1 standards quickly, distilling what can be an overwhelming process into a streamlined, organized effort. From day one they began adding value and getting us on course. With their help we delivered on a massive security overhaul with both extreme efficiency and thorough attention to details. Because of BD Emerson’s support, we’ve increased our clients’ trust in Titan Intake and the life-changing work it accomplishes for those seeking specialist referrals.

Patrick Bruce

CEO, Titan Intake

Certificates

Our accreditations

At BD Emerson, we believe that our team's extensive certifications not only set us apart but also ensure that we provide the highest level of service to our clients.

Guides

Guidewire guides from our insurance team

What Guidewire is, what it costs to run, how implementations and cloud migrations work, the alternatives, and the five-year business case for replacing it.

FAQ

Frequently asked questions

Can you replace Guidewire without a big-bang cutover?

How long does a Guidewire replacement take?

What does replacing Guidewire cost compared with staying?

What happens to our Guidewire contract?

Do you implement Guidewire or Guidewire Cloud?

What is an agentic core system?

How do you govern AI agents in a regulated core?

Blog

Related Articles

Insights on strategy, transactions, technology, security, and compliance from BD Emerson's practitioners