Insurance Companies Are Taking Back Control

Michael Jones, Co-Owner and CEO, Combined Ratio Solutions
Luke Magnan, Co-Owner and Chief Insurance Officer, Combined Ratio Solutions

Connecticut Insider just called it: the PAS open-source insurance revolution is real, ending PAS software licensing fees forever, and CRS OSPolicy Rebels are leading the charge.

Question 1: “How many of your implementations actually finish on time and on budget?”

Connecticut Insider recently published an in-depth feature on Combined Ratio Solutions and how we’re transforming insurance technology through open-source liberation. Read the full story here.

The article highlights a fundamental shift happening in insurance technology: carriers are done paying millions annually for software they’ll never own.

As Magnan told CT Insider, “PAS Software companies were never aligned to what customers were looking for.. And we knew there had to be a better way.”

For decades, the game was brutal:

  • Wait 12–36 months for “critical” features
  • Beg PAS vendors for anything that should take weeks
  • Watch them control your roadmap and timeline
  • Pay up to 3% of your GWP in licensing fees
  • Own nothing, despite paying millions

Connecticut Insider documented how CRS is breaking this model by giving away enterprise-grade Policy Administration Software(PAS) called OSPolicy completely free, forever. No licensing fees. No subscription trap. You own it. You control it.

What Smart Executives Are Realizing

When the media starts covering companies giving away what others charge millions for, it’s not a trend, it’s a tipping point.

Here’s the math executives love:

  • Slash up to 3% off your Expense Ratio permanently
  • Implement in months, not years
  • Control your own roadmap
  • Roll out new lines of business and workflows on your schedule
  • Invest the freed-up millions in AI, automation, and actual innovation

It’s not just software. It’s insurance liberation. CFOs redirecting millions from vendor yachts to growth. IT teams finally running the show.

The Movement Is Real and Growing

The CT Insider piece confirms it: CRS is doubling its Hartford team this year. That’s not a startup hoping for traction. That’s a revolution gaining velocity.

  • Regional carriers implementing modern PAS at record speed
  • Specialty insurers building new workflows without begging vendors
  • CFOs tallying millions in permanent savings
  • CTOs finally free from vendor roadmaps

Every week, carriers decide to stop funding vendor empires and start funding their own transformation. Open-source isn’t optional anymore. It’s happening.

What Industry Leaders Are Discovering

  • PAS Ownership Changes Everything: You control your destiny. No vendor delays. No begging. No bleeding money.
  • PAS Savings Are Permanent: Not one-time. Millions back in your pocket, forever.
  • PAS Implementation Happens Fast: Forget the 12-36 month nonsense—modern architecture gets you live in months.

As the article notes, the company’s website urges insurers to “join the revolution” against overpriced PAS software that is standard in the industry. This isn’t just marketing, it’s a movement that Hartford’s business community is now documenting as real industry transformation.

Join the Liberation

The question isn’t whether OSPolicy works for enterprise insurance, it does.
The question is: will you lead the movement or keep paying for PAS software you’ll never own while, or control, competitors pull ahead?

See it for yourself:

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