Combined Ratio Solutions will hold a webinar on September 16 featuring USIG’s John Lucker, who will unpack vendor lock-in and how insurers can take their roadmaps back.
HARTFORD, CT – September 10, 2026 – Combined Ratio Solutions (CRS), developer of the CRS OSPolicy policy administration platform, will host a live webinar, How Insurtech Vendors Took Control of Your Insurance Company (And What It Takes to Get It Back), on Tuesday, September 16, 2026, at 1:00 p.m. ET. Registration is open at https://luma.com/xqr0do1w
The session traces how legacy core system vendors engineered dependency into carrier and MGA operations — one roadmap delay, one locked application programming interface (API), one premium-based license clause at a time.
“Carriers were promised modernization and got a hostage situation,” said Luke Magnan, co-owner and Chief Insurance Officer at CRS. “Every new product line becomes a change request, every integration becomes a negotiation, and every renewal becomes a shakedown. Growth ends up funding the vendor instead of the business. This session names those mechanics and shows how to unwind them.”
John Lucker, executive vice president, chief strategy officer at Universal Shield Insurance Group (USIG), joins the session to share the carrier perspective. USIG recently launched its initial lines of business on CRS OSPolicy, moving off vendor-controlled technology onto a system the company fully owns.
“We lived the version of this story most carriers are still living,” said Lucker. “Reclaiming ownership of our own system changed what we could build, how fast we could build it, and who benefits when we grow. Most insurers have more options than they think.”
Attendees will walk away with:
- How to spot lock-in clauses buried in contracts before they cost a launch
- Why premium-based licensing turns an insurer’s success into its vendor’s payday
- The difference between a system a carrier owns and a system that owns the carrier
- A practical framework for evaluating whether a core stack is an asset or a leash
- What a modern policy administration system (PAS) should look like and how it should work for the business
The webinar is designed for carrier and MGA leaders in technology, operations, product, and underwriting who own, or answer for, the core systems running their business. To register, visit https://luma.com/xqr0do1w
About Combined Ratio Solutions
Combined Ratio Solutions (CRS) is the developer of CRS OSPolicy, a policy administration platform built for insurance carriers and MGAs who are done letting vendors own their technology. CRS OSPolicy is delivered with no license fee and no percentage-of-premium pricing — just a fully custom-built system that belongs entirely to the client, along with every innovation they build on top of it. Learn more at combinedratio.com