Based in Hartford, Connecticut, Combined Ratio is an InsurTech software and services provider specializing in maximizing the value property and casualty (P&C) insurance companies have invested in existing IT assets.   

Insurance

InsurTech

Software

Combined Ratio Solutions

The Tbilisi office focuses on software development, quality assurance, and program finance management in the tech sector.

Tbilisi

Combined Ratio Solutions' headquarters in Hartford, CT, United States

This department focuses on analyzing business processes and data to drive strategic decision-making and improve operational efficiency.

Business Analysis

This department is responsible for designing, coding, testing, and maintaining software applications.

Software Development

This department focuses on managing and maintaining software configurations and quality assurance processes.

Configuration Management

The Leadership Team at Combined Ratio Solutions strategizes and guides the company's mission to optimize the value of P&C insurers' IT investments. Comprised of the CTO, CFO, CEO, Chief Insurance Officer, and COO, they oversee strategic decision-making, financial planning, technological advancements, operational efficiency, and insurance market innovations.

Leadership Team

The Product and Program Management team at Combined Ratio Solutions is responsible for overseeing the development and execution of innovative InsurTech solutions tailored to maximize the value of existing IT assets for P&C insurance companies. This team ensures that products are delivered on time, within scope, and meet market needs while managing multiple projects and coordinating cross-functional collaboration.

Product and Program Management

The Business Analysis and Architecture team at Combined Ratio Solutions focuses on assessing and optimizing current IT systems for P&C insurance companies. Comprised of business analysts and a business architect, the team identifies inefficiencies, recommends improvements, and designs solutions to enhance the value and performance of existing IT assets.

People (5)

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Other teams

Software Development

Configuration Management

Leadership Team

Product and Program Management

Business Analysis and Architecture