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INSURANCE
Build a nimble insurance organisation.
Ready to turn your data into a business asset? Only Workday puts AI at the core of an open and connected system to help you make smarter decisions, uncover risks and quickly act on what you see.
Automates premiums and claims data integration using automated and scalable finance.
Shortens the close cycle by 25% using financial reporting and analytics.
Increases IT efficiency by 27% using continuous and company-wide planning.
Cuts auction cycle time by 80% using spend management.
Gains 24/7 insights into staff development and improves communication with talent management.
SOLUTION USE CASES
A use for all aspects of your organisation.
With the Industry Accelerator for Insurance, you benefit from a global ecosystem of partners to help you adapt, innovate and scale – all while fast-tracking your digital transformation.
Risk and financial controls
AUTOMATED AND SCALABLE FINANCE
Risk and financial controls
Save time and money on audits and automate your controls. With Workday, you can:
- Take advantage of built-in controls
- Monitor controls for Sarbanes-Oxley
- Monitor operational risk
Want more information? Get in Touch
Featured capabilities
One data source
Foundational data model.
Trust your data.
Policy, claim and finance data in one platform.
Gain a granular view.
Built-in audit support.
Track transactions with data lineage.
Data enrichment
Rules engine.
Allow business analysts to map rules.
Quick accounting implementation.
Free up time for IT.
Advanced pre-processing.
Vet every transaction.
Automated process control
Shared data.
Give treasury and risk identical information.
Cash position stress testing.
Identify liquidity risk.
Line of business profitability reporting.
Keep stakeholders informed.
Streamlined operational data integration
AUTOMATED AND SCALABLE FINANCE
Streamlined operational data integration.
Save time and money on audits and data collection. With Workday, you can:
- Get rid of silos and legacy systems
- Have the same account codes in your operational system
- Remove manual reconciliation processes
Want more information? Get in Touch
Featured capabilities
One data source
Foundational data model.
Trust your data.
Policy and finance data in one platform.
Gain a granular view.
Built-in audit support.
Track transactions with data lineage.
Data enrichment
Rules engine.
Allow business analysts to map rules.
Quick accounting implementation.
Free up time for IT.
Advanced pre-processing.
Vet every transaction.
Automated process control
Same data source.
Give treasury and risk identical information.
Cash position stress testing.
Identify liquidity risk.
Line of business profitability reporting.
Keep stakeholders informed.
Insurance policy and claim subledgers
AUTOMATED AND SCALABLE FINANCE
Insurance policy and claim subledgers.
Increase agility, capture more policy attributes and save on data collection cost. With Workday, you can:
- Bring your policy subledgers together
- See all data elements for each policy
- Gain a clear audit trail to policy-level details
Want more information? Get in Touch
Featured capabilities
One data source
Foundational data model.
Trust your data.
Policy and finance data in one platform.
Gain a granular view.
Built-in audit support.
Track transactions with data lineage.
Data enrichment
Rules engine.
Allow business analysts to map rules.
Quick accounting implementation.
Free up time for IT.
Advanced pre-processing.
Vet every transaction.
Automated process control
Same data source.
Give financial staff identical information.
Drill back to transaction details.
Gain deeper insight.
Line of business profitability reporting.
Keep stakeholders informed.
Deferred acquisition cost (DAC) and premium spreads
AUTOMATED AND SCALABLE FINANCE
Deferred acquisition cost (DAC) and premium spreads.
Improve your policy-level reporting. With Workday, you can:
- Automatically determine DAC
- Easily allocate deferred acquisition cost
- Eliminate manual reconciliation processes
Want more information? Get in Touch
Featured capabilities
One data source
Foundational data model.
Trust your data.
Policy and finance data in one platform.
Gain a granular view.
Built-in audit support.
Track transactions with data lineage.
Data enrichment
Rules engine.
Allow business analysts to map rules.
Quick accounting implementation.
Free up time for IT.
Built-in FTP calculation.
Quickly analyse profitability.
Automated process control
Automatic premium calculations.
Determine earned and unearned premiums and costs.
Drill back to transaction details.
Gain deeper insight.
Cost and profitability reporting.
Keep stakeholders informed.
Remeasurement accounting (LDTI/IFRS 17)
AUTOMATED AND SCALABLE FINANCE
Remeasurement accounting (LDTI/IFRS).
Spend less time on manual regulatory processes, comply with new regulations faster and reduce manual errors. With Workday, you can:
- Prepare for LDTI/IFRS 17
- Access data you need in one central location
- Easily update your quarterly GL
Want more information? Get in Touch
Featured capabilities
One data source
Foundational data model.
Trust your data.
Actuarial remeasurement and finance data in one platform.
Gain a granular view.
Built-in audit support.
Track transactions with data lineage.
Data enrichment
Cohort-level reporting.
Allow business analysts to map rules.
Accounting rules.
Quickly create journal entries.
Built-in worktags.
Empower actuarial assumptions.
Automated process control
Same data source.
Gain accurate insight into policy and financial details.
Drill back to transaction details.
See reserve changes by product.
Cost and profitability reporting.
Keep stakeholders informed.
Cost allocations
AUTOMATED AND SCALABLE FINANCE
Cost allocations.
Gain visibility into all components of activity-based costing, save on data collection cost and make decisions faster. With Workday, you can:
- Assign costs to your products and services
- Identify cost drivers for each activity
- Calculate and maintain overhead rates
Want more information? Get in Touch
Featured capabilities
One data source
Foundational data model.
Trust your data.
Policy and finance data in one platform.
Gain a granular view.
Common data model.
Easily calculate activity-based costing.
Data enrichment
Allocation rules engine.
Allow business analysts to map rules.
Costing rules.
Empower business users to set up rules.
Advanced pre-processing.
Vet every transaction.
Automated process control
Same data source.
Give finance teams identical information.
Drill back to transaction details.
Gain deeper insight.
Line of business profitability reporting.
Keep stakeholders informed.
Financial Reporting and Analytics
Insurance data models/finance data warehouse
FINANCIAL REPORTING AND ANALYTICS
Insurance data models/financial data warehouse.
Make decisions faster and save on audit and data collection costs. With Workday, you can:
- Gain audit trails to your policy-level details
- Report on policy-level details
- Remove manual reconciliation processes
Featured capabilities
One data source
Foundational data model.
Trust your data.
Policy and finance data in one platform.
Gain a granular view.
Built-in audit support.
Track transactions with data lineage.
Data enrichment
Rules engine.
Allow business analysts to map rules.
Quick accounting implementation.
Free up time for IT.
Advanced pre-processing.
Vet every transaction.
Automated process control
Same data source.
Give treasury and risk identical information.
Drill back to transaction details.
Gain deeper insight.
Line of business profitability reporting.
Keep stakeholders informed.
Risk and actuarial financial reporting
FINANCIAL REPORTING AND ANALYTICS
Risk and actuarial financial reporting.
Save time and money on audits and automate controls. With Workday, you can:
- View a complete audit trail of transactions
- Improve audit controls
- Gain built-in segregation of duties
Featured capabilities
One data source
Foundational data model.
Trust your data.
Policy and finance data in one platform.
Gain a granular view.
Built-in audit support.
Track transactions with data lineage.
Data enrichment
Rules engine.
Allow business analysts to map rules.
Quick accounting implementation.
Free up time for IT.
Advanced pre-processing.
Vet every transaction.
Automated process control
Same data source.
Give treasury and risk identical information.
Drill back to transaction details.
Gain deeper insight.
Line of business profitability reporting.
Keep stakeholders informed.
SEC reporting
FINANCIAL REPORTING AND ANALYTICS
SEC reporting.
Save time on report creation, reduce the cost of data collection and make decisions faster. With Workday, you can:
- Bring your transactions out of silos
- Unify account codes in your operational system
- Stop hard coding integration points
Featured capabilities
One data source
Foundational data model.
Trust your data.
Policy and finance data in one platform.
Gain a granular view.
Built-in audit support.
Track transactions with data lineage.
Data enrichment
Rules engine.
Allow business analysts to map rules.
Quick accounting implementation.
Free up time for IT.
Advanced pre-processing.
Vet every transaction.
Automated process control
Same data source.
Give treasury and risk identical information.
Drill back to transaction details.
Gain deeper insight.
Line of business profitability reporting.
Keep stakeholders informed.
ESG reporting
FINANCIAL REPORTING AND ANALYTICS
ESG reporting.
Centralise data for new disclosure requirements, commit to science-based targets and streamline your path to net-zero emissions. With Workday, you can:
- Get ready to meet new disclosure requirements
- Understand supplier sustainability
- See the largest sources of scope 3 emissions
Featured capabilities
Social reporting for ESG
Progress tracking.
Measure progress and identify areas for improvement.
Consolidated information.
Understand workforce composition and more.
Syncs with other features.
Use with analytics, VIBE Index™ and learning.
Supplier risk and sustainability
Supplier ESG data collection.
See supplier risk and uncover ways to improve.
Scope 3 emissions reporting.
Report on emissions from supplier spend.
Emissions modelling and planning
Impact modelling.
See the impact of your reduction efforts.
Emissions data.
Understand where your material emissions come from.
Regulatory reporting (NAIC/Solvency II)
FINANCIAL REPORTING AND ANALYTICS
Regulatory reporting (NAIC/solvency II)
Report faster and save on data collection costs. With Workday, you can:
- Source data for NAIC/solvency II reports
- Flow data to your regulatory reporting system
- Eliminate manual, error-prone processes
Featured capabilities
One data source
Foundational data model.
Trust your data.
Policy, claim and finance data in one platform.
Gain a granular view.
Data enrichment
Quick accounting implementation.
Free up time for IT.
Advanced pre-processing.
Vet every transaction.
Automated process control
Same data source.
Give everyone access to identical information.
Automatic finance reconciliation.
Send reports to regulators faster.
Management reporting/KPIs
FINANCIAL REPORTING AND ANALYTICS
Management reporting/KPIs.
Save time on report preparation, improve data quality and make decisions faster. With Workday, you can:
- Ensure accurate reports
- Deliver various versions of data to leadership
- Tailor reporting to individual roles
Featured capabilities
Robust reporting
Object data model.
Build reports with unlimited dimensionality.
Unified data.
Bring financial, workforce and operational data together.
Security permissions.
Distribute reports based on roles.
Insights to drive business
Reporting alerts.
Prompt leaders to take action.
Metrics and scorecards.
Track business performance.
Dimensional analysis.
Analyse your business across every dimension.
Analytics and dashboards
Workday Prism Analytics.
Blend Workday and external data for reporting.
Persona-driven dashboards.
Gain insight into day-to-day operations.
Continuous and company-wide planning
Claims modelling
CONTINUOUS AND COMPANY-WIDE PLANNING
Claims modelling.
Update planning models faster, save on data collection costs and speed up decision-making. With Workday, you can:
- Access policy-level details
- Securely source claims data
- Frequently update your claims models
Featured capabilities
One data source
Foundational data model.
Trust your data.
Claims and finance data in one platform.
Gain a granular view.
Built-in audit support.
Track transactions with data lineage.
Data enrichment
Rules engine.
Allow business analysts to map rules.
Standardised planning models.
Bring consistency to how you plan.
Advanced pre-processing.
Vet every transaction.
Automated process control
Same data source.
Give treasury and risk identical information.
Drill back to transaction details.
Gain deeper insight.
Line of business profitability reporting.
Keep stakeholders informed.
Product and branch profitability
CONTINUOUS AND COMPANY-WIDE PLANNING
Product and branch profitability
Save time on planning and make decisions faster. With Workday, you can:
- Easily monitor branch performance
- Allocate costs to individual branches
- Model the impact of branch expansion and closures
Featured capabilities
One data source
Foundational data model.
Trust your data.
Policy and finance data in one platform.
Gain a granular view.
Intelligent data core.
Integrated with finance and HCM.
Data enrichment
Rules engine.
Allow business analysts to map rules.
Driver-based analysis.
Understand business performance.
In-memory calculation.
Process data faster.
Automated process control
Single security.
Keep your information secure.
Drill back to transaction details.
Gain deeper insight.
Line of business profitability reporting.
Keep stakeholders informed.
Operational expense planning
CONTINUOUS AND COMPANY-WIDE PLANNING
Operational expense planning.
Improve expense ratios, reduce planning cycle times and make better decisions faster. With Workday, you can:
- Plan for non-interest expenses
- Frequently update forecasts
- Reconcile plans versus actuals
Featured capabilities
One data source
Foundational data model.
Trust your data.
Policy and finance data in one platform.
Gain a granular view.
Intelligent data core.
Integrated with finance and HCM.
Data enrichment
Rules engine.
Allow business analysts to map rules.
Driver-based analysis.
Understand business performance.
In-memory calculation.
Process data faster.
Automated process control
Single security.
Keep your information secure.
Drill back to transaction details.
Gain deeper insight.
Line of business profitability reporting.
Keep stakeholders informed.
Premiums forecasting
CONTINUOUS AND COMPANY-WIDE PLANNING
Premiums forecasting.
Create forecasts faster and save time on data collection costs. With Workday, you can:
- Plan and forecast at the policy level
- Gain visibility across all product lines
- Update premium forecasts as often as needed
Featured capabilities
One data source
Foundational data model.
Trust your data.
Policy and finance data in one platform.
Gain a granular view.
Intelligent data core.
Integrated with finance and HCM.
Data enrichment
Rules engine.
Allow business analysts to map rules.
Driver-based analysis.
Understand business performance.
In-memory calculation.
Process data faster.
Automated process control
Single security.
Keep your information secure.
Drill back to transaction details.
Gain deeper insight.
Line of business profitability reporting.
Keep stakeholders informed.
Workforce Planning
CONTINUOUS AND COMPANY-WIDE PLANNING
Workforce planning.
Hire faster, save time spent on audits and cut data collection costs. With Workday, you can:
- Plan for your workforce needs
- Understand your staffing needs
- Monitor workforce costs
Featured capabilities
Workforce modelling
Driver-based assumptions.
Model hiring and retention plans.
Cost impact modelling.
See workforce costs right away.
Global drivers.
See how global attributes impact plans.
Aligned plans
Strategic planning.
Identify how to attract top talent.
Skills modelling.
Close the skills gap across functions.
Seamless execution.
Turn plans into action.
Staffing insights
Intuitive dashboards.
Monitor costs, workforce composition and open positions.
Workforce analytics.
See what’s working and pivot as needed.
Reinsurance rate planning
CONTINUOUS AND COMPANY-WIDE PLANNING
Reinsurance rate planning
Save time on revenue modelling, cut data collection costs and make decisions faster. With Workday, you can:
- Plan for reinsurance rate changes
- Store treaty data in a unified system
- Remove manual planning processes
Featured capabilities
One data source
Foundational data model.
Trust your data.
Treaty, policy and finance data in one platform.
Gain a granular view.
Intelligent data core.
Integrated with finance and HCM.
Data enrichment
Rules engine.
Allow business analysts to map rules.
Quick accounting implementation.
Free up time for IT.
Advanced pre-processing.
Vet every transaction.
Automated process control
Single security.
Keep your information secure.
Drill back to transaction details.
Gain deeper insight.
Line of business profitability reporting.
Keep stakeholders informed.
Proactive Spend Management
Sourcing Efficiency
PROACTIVE SPEND MANAGEMENT
Sourcing efficiency
Reduce time spent on audits, time to decision and cost of data collection. With Workday, you can:
- Lower account code differences in your operational systems
- Manage integration points
- Automate reconciliation processes
Featured capabilities
Simplified RFX
Easier response process.
Set up and publish RFPs, RFIs and RFQs.
Smart bids.
Scale bidding activities with suppliers.
Optimised award scenarios.
Compare bids and take action.
Streamlined Collaboration
Unified system.
Capture stakeholder requests in one place.
Intake request forms.
Capture essential project details.
Paperless processes.
Eliminate emails and spreadsheets.
Source Performance Measurement
Impact assessment.
Prioritise sourcing projects.
Cost savings and avoidance.
Get visibility into savings metrics.
Profitability reporting.
Report on project milestones and goals.
Mitigate Supplier Risk
PROACTIVE SPEND MANAGEMENT
Mitigate supplier risk
Improve the supplier experience, negotiation and collaboration. With Workday, you can:
- Simplify supplier interactions
- Accelerate onboarding of new suppliers
- Turn suppliers into partners
Featured capabilities
Supplier Interface
Supplier portal.
Enable self-service.
Message centre.
Start two-way communications.
Reverse auctions.
Save time and money on bids.
Onboarding and Compliance
Forms.
Manage critical data collection.
Built-in compliance.
Keep supplier data updated.
Risk scores.
Assign scores based on attributes.
Performance Management
Feedback and scorecards.
Collaborate with stakeholders.
Goals management.
Manage performance and business satisfaction.
Supplier Contract Management
PROACTIVE SPEND MANAGEMENT
Supplier contract management
Realise faster, streamlined contract workflows, improve billing accuracy and stakeholder visibility. With Workday, you can:
- Gain a better picture of supplier relationships
- Increase visibility into your contracts
- Manage and monitor contract changes
Featured capabilities
Renewal Management
Smart routing
Streamline approvals with rules.
Efficient communication
Use in-app messaging and notifications.
Invoice automation
Automate based on billing terms and schedules.
Streamlined Contracting
Contract templates
Author and edit in the same place.
Microsoft Office 365
Add on the tools you already use.
Digital signatures
Integrate DocuSign and Adobe eSign.
Visibility and Transparency
Unified data
See all contract data in one place.
Contract hierarchy
Create parent-child relationships for suppliers.
Status updates
Keep teams on the same page.
Cost containment
PROACTIVE SPEND MANAGEMENT
Cost containment
Improve support for value analysis, increase procurement efficiency and accuracy, and optimise allocation of supplier spend. With Workday, you can:
- Improve supplier discounts and terms
- Streamline data access to accelerate value analysis
- Increase buyer productivity and reduce errors
Featured capabilities
Validated Savings
Savings identification.
Avoid unnecessary costs.
Savings mapping.
Attribute savings to specific categories.
Prioritisation.
Rank projects based on goals.
Comprehensive Control
Quick configuration.
Create spend processes without coding.
Efficient communication.
Use alerts, notifications and validations.
Controlled access.
Give access based on roles and permissions.
Actionable Insights
Blended analytics.
Combine operational and financial data.
Multi-dimensional spend view.
View all spending in one place.
Enhanced visibility.
Analyse out-of-pocket spend.
Stakeholder Engagement
PROACTIVE SPEND MANAGEMENT
Stakeholder engagement
Maximise visibility and minimise risk, streamline the contracting process and increase compliance. With Workday, you can:
- Enable collaboration across functions
- Build trust with your stakeholders
- Streamline business requests from multiple sources
Featured capabilities
Modern Solution
Simplified platform.
Enable use for all stakeholders.
Automated routing.
Request projects from the right people.
Streamlined sourcing.
Speed up project reviews and approvals.
Integrated Collaboration
Message centre.
Start two-way communications.
Project status.
Get a complete view of all tasks.
Target alignment.
Agree on a single set of company goals.
Unified Data Core
Complete view.
See suppliers, contracts and projects in one place.
Discovery boards.
Analyse spend quickly and easily.
Unified data.
Bring supplier and spend data together.
Indirect Spend Controls
PROACTIVE SPEND MANAGEMENT
Indirect spend controls
See better spend control, experience faster processing and increase user adoption and satisfaction. With Workday, you can:
- Control spend
- Reduce supplier costs
- Reduce risks tied to manual processing
Featured capabilities
Modern Buying Experience
Simplified user experience.
Guide users to the right places.
Workday assistant.
Get immediate status updates.
Embedded machine learning.
Enable spend category recommendations.
Touchless Expense Processing
Mobile receipt scanning.
Scan from anywhere.
Audit and fraud protection.
Keep transactions secure with machine learning.
Spend analysis.
Empower teams to negotiate better rates.
Spend Analysis
Blended analytics.
Combine operational and financial data.
Rogue spend.
Uncover unmanaged spend issues.
Managed distribution.
Share spend insights across the business.
Talent Management
Recruit and onboard
TALENT MANAGEMENT
Recruit and onboard.
Streamline the recruitment process to hire faster and improve engagement. With Workday, you can:
- Attract the right workers for every job
- Better plan for attrition
- Assess retention risk
Want more information? Get in Touch
Featured capabilities
Built-in automation
Dynamic candidate workflow.
Speed up the recruiting process.
Contract builder.
Send offers faster.
Automated onboarding.
Provide a seamless experience.
End-to-end talent acquisition
Internal and external sourcing.
Widen your talent pool.
Interview and candidate management.
Hire as a team.
Connection to compensation.
Send competitive offers.
Consumer-grade experience
Mobile-driven.
Allow candidates to search and apply for jobs from anywhere.
Configurable job applications.
Tailor the application to your needs.
Social media connectors.
Reach everyone’s network.
Employee Engagement
TALENT MANAGEMENT
Employee engagement.
Build a diverse workforce, reduce turnover and improve engagement. With Workday, you can:
- Know how your employees feel
- Break down employee sentiment by region
- Cultivate a sense of belonging
Want more information? Get in Touch
Featured capabilities
Active listening technology
Personalised surveys.
Track engagement, D&I health and well-being.
Intelligent question targeting.
Ask the right questions.
Survey automation.
Ensure consistent feedback.
End-to-end talent acquisition
Employee sentiment insight.
See data in real-time.
Machine learning and semantic search.
Help applicants find the right job.
Impact correlations and benchmarking.
See how you measure up.
Consumer-grade experience
Contextual learning and prescriptive actions.
Help your people grow.
Dashboards for everyone.
Enable two-way collaboration.
Confidential conversations.
Get honest feedback.
Modernise for efficient HR service delivery
TALENT MANAGEMENT
Modernise for efficient HR service delivery.
Reduce HR case volume, improve efficiency and reduce the total cost of ownership. With Workday, you can:
- Quickly roll out HR programmes to a distributed workforce
- Offer employees self-service
- Better engage with employees
Want more information? Get in Touch
Featured capabilities
Digital self-service
Data integrity and synchronisation.
Offer up-to-date information.
Faster search results.
Provide help at the moment of need.
Personalised content.
Meet people where they are.
People-centred design
Survey and feedback loop.
Keep communication open.
Tailored experiences.
Be there for moments that matter.
Push notifications.
Keep people connected.
Built-in automation
Dynamic candidate workflow.
Speed up the recruiting process.
Contract builder.
Send offers faster.
Automated onboarding.
Provide a seamless experience.
Employee experience and well-being
TALENT MANAGEMENT
Employee experience and well-being.
Provide greater self-sufficiency and improve connection. With Workday, you can:
- Better engage with employees
- Make things easier for an overstretched workforce
- Offer self-service
Want more information? Get in Touch
Featured capabilities
Self-service functionalities
Built-in workflows.
Make processes easier.
Time-tracking, expenses, tax forms and more.
Take care of everyday tasks.
Comprehensive guidance.
Offer support when needed.
People-centred design
Survey and feedback loop.
Keep communication open.
Tailored experiences.
Be there for moments that matter.
Push notifications.
Keep people connected.
Consumer-grade experience
Native mobile.
Take care of business from anywhere.
Chatbot and search.
Provide help at the moment of need.
Natural workspaces.
Meet your people where they work.
Belonging and Diversity
TALENT MANAGEMENT
Belonging and diversity
Increase D&I insight, build a culture of belonging and foster a more diverse workforce. With Workday, you can:
- Understand the makeup of your workforce
- Bring in and retain diverse talent
- Use data to make an impact
Want more information? Get in Touch
Featured capabilities
Insight to drive change
Holistic workforce data.
Gain real-time insight.
Reporting and analytics.
See outcome-based belonging and diversity metrics.
Strategic action
Progress monitoring.
Track your D&I initiatives.
Skills-based hiring.
Ensure equitable access to opportunity.
VIBE Index™.
Ensure inclusion and equal pay.
Meaningful experiences
Employee sentiment survey.
Measure how your employees feel.
Personalised experiences.
Foster inclusion and belonging.
Skills development and training
TALENT MANAGEMENT
Skills development and training.
Reduce turnover, better allocate resources and personalise learning experiences. With Workday, you can:
- Place the right people in the right roles
- Develop your best talent
- Stay on top of required training
Want more information? Get in Touch
Featured capabilities
Career development
Opportunity graph.
Offer up clear career pathways.
Job recommendations.
Suggest gigs based on skills and interests.
Democratised opportunity.
Give everyone the chance to grow.
Skills analysis
Skills ontology.
Understand the skills you have.
Reports and dashboards.
See skills analytics.
Skills tracking.
Measure skills against business needs.
Learning and training
Machine-learning recommendation.
Intelligently suggest learning.
Certification and licence tracking.
Keep track of training.
Alerts and notifications.
Send automatic learning reminders.
Achieving agility through unified core technology transformation.
Discover how insurers use real-time insights for faster policyholder responses, claims processing, and risk assessments.
CUSTOMER SUCCESS
More insurance companies are live on Workday than any other cloud-based solution.
See how we put our customers at the centre.