Horizon Systems

What Horizon Systems does

Horizon Systems (legally Horizon Insurance Systems, doing business as Horizon Systems and Services) is a private, Wisconsin-based software provider headquartered in Sheboygan that develops the AllPoints System, an integrated property and casualty insurance software platform. Founded in 1999, the company sells into P&C insurance carriers and the agents and agencies that distribute their products in North America, addressing the full policy-claims-billing life-cycle for both personal lines and commercial P&C lines. The platform is positioned to consolidate disjointed operational tools, reduce core system budgets, accelerate product time-to-market, and simplify compliance with Dodd-Frank and Solvency II.

The AllPoints System is built on a component-based, services-based architecture using the Microsoft stack (C#, SQL Server, Angular) with Azure DevOps, and is designed to bridge legacy core systems with modern web-based and cloud deployment models. The product is delivered as an integrated module suite: Policy Administration (with an embedded Underwriting Rules Engine), Claims Administration (business-rule-driven adjudication), Billing (direct bill, agency bill, and electronic payment with online self-service), Consumer & Mobile Portal (policyholder and agent self-service), Reporting & Analytics (data warehouse and BI tools), and Professional Services (analysis, strategic planning, project management, implementation, and ongoing maintenance). Off-the-shelf integrations are provided with general ledgers, comparative raters, property valuation engines, MVRs, agency management systems, and digital imaging systems.

Horizon monetizes AllPoints through enterprise software licensing on multi-year subscription contracts supplemented by a professional services revenue stream. Go-to-market is direct enterprise field sales with a consultative, relationship-driven approach, supplemented by participation in P&C industry conferences (NAMIC Annual Convention, InsureTech Connect, and IASA Xchange) and content marketing. The company operates only in the United States, does not disclose pricing, customer logos, or financials, and shows no disclosed venture capital, private equity, or parent company involvement in the available data.

Name

Horizon Systems

Legal name

Horizon Insurance Systems

Website

https://horizonsinsurancesystems.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

11–50 employees

Short description

Horizon Systems is a private, Wisconsin-based software provider that builds the AllPoints System, an integrated property and casualty insurance platform covering policy administration, claims, billing, consumer portals, and analytics, sold to North American P&C carriers and their agencies.

Ownership category

akta.pro rank

Product category

P&C Insurance Software

NAICS

Computer Systems Design and Related Services (54151), Computer Systems Design Services (541512)

SIC

Services-Computer Programming, Data Processing, Etc. (7370), Services-Computer Programming Services (7371)

akta.pro primary industry

Technology / IT Services BOP (FSAJAFAK)

Keywords

• Insurance software
• Policy administration
• Claims processing
• Insurance billing
• Underwriting automation

Headquarters

HQ city

Sheboygan

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Software Licensing/Subscription: AllPoints System is offered as a modern P&C insurance software platform for policy administration, likely on a subscription or licensing model typical of enterprise insurance software.
2. Professional Services: Horizon offers professional services including analysis, strategic planning, project management, software development, implementation, and ongoing maintenance support. This represents a significant revenue stream alongside software licensing.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels3 records

Core offering

Horizon Systems develops and licenses the AllPoints System, a web-based Property & Casualty insurance software platform that unifies policy administration, claims, billing, reporting, and a consumer/mobile portal for carriers and agencies. The company complements the software with a professional services practice covering analysis, strategic planning, project management, software development, implementation, and ongoing maintenance for legacy, web, and cloud technologies.

Product overview

Horizon Systems offers the AllPoints System, a unified platform-plus-modules architecture for the Property and Casualty insurance industry. The core AllPoints System provides modern policy administration software that consolidates disjointed operational tools into one seamless platform. It is comprised of integrated modules including Policy Administration (full lifecycle policy management), Claims Administration (business-rule-driven claims processing), Billing System (automated payments and collections), Consumer & Mobile Portal (self-service for policyholders), Reporting & Analytics (data warehouse and BI tools), and Professional Services (implementation and ongoing support). The system supports both personal lines and commercial P&C lines, extending functionality to agents through web interfaces while simplifying compliance with regulations like Dodd-Frank and Solvency II.

Differentiator

Problem solved

Functional benefit

Brands

• AllPoints: Modern property and casualty insurance software designed to streamline policy administration with faster time-to-market, improved channel management, and increased business volume. Includes components for Policy, Claims, Billing, Reporting, Consumer & Mobile, and Help & Support.

Products and services

• AllPoints System Modern Property & Casualty insurance software platform that streamlines policy administration with faster time-to-market, improved channel management, and increased business volume; consolidates disjointed operational tools into one seamless platform serving internal teams, agents, and clients.
• Policy Administration Full lifecycle policy management system for carriers and agents that drives straight-through processing via a carrier/agency web interface, integrated workflow, consumer web portal, and agency management systems / rater integration.
• Claims Administration Integrated claims system driven by business rules to speed adjudication, providing claims professionals with real-time transactions and policy data access for streamlined claims settlement.
• Billing System Automated and configurable billing system supporting direct bill, agency bill, and electronic payment options with online self-service for customers and agents.
• Consumer & Mobile Portal Mobile self-service access for policyholders and agents to view policies, make online payments, report claims, access billing information, download ID cards, and retrieve proof of insurance on any device.
• Reporting & Analytics Analytical data warehouse and business intelligence tools that provide real-time access to actionable data and quick metrics for agents and carriers to make sound business decisions.
• Professional Services Expert support services for the AllPoints platform covering analysis, strategic planning, project management, software development, implementation, and ongoing maintenance across legacy, web, and cloud technologies.

Quantifiable outcome

• Reduced core system budgets through consolidation of disjointed operational tools into one platform
• +2 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature8 records

Scale indicators1 record

Recent moves3 records

Expansion highlights3 records

Direct peers

• EIS Group: EIS offers a core insurance platform (PolicyCore, ClaimCore, BillingCore) for P&C and other lines, competing with Horizon in the carrier core systems segment.
• Duck Creek Technologies: Duck Creek offers a SaaS suite of P&C core systems covering policy, billing, and claims, directly competing with Horizon in the carrier-side core systems market with a cloud-native delivery model.
• Guidewire Software: Guidewire is the leading provider of P&C insurance core systems (PolicyCenter, ClaimCenter, BillingCenter). It is the most direct competitor to Horizon's AllPoints platform, targeting the same carrier and agency buyer for policy, claims, and billing modernization.
• Majesco: Majesco delivers cloud-native P&C and L&A core insurance software, including policy, billing, and claims. It competes with Horizon on modern, configurable platforms for mid-market carriers.
• Sapiens International: Sapiens offers core insurance software solutions for P&C, life, and annuities, including policy administration, claims, and billing. It is a direct competitor serving the same insurance carrier base.
• Insurity: Insurity provides policy administration, claims, and analytics software specifically for P&C insurers. It competes head-to-head with Horizon in mid-market and specialty carrier segments.
• OneShield Software: OneShield provides policy administration, claims, and billing platforms for P&C insurers, competing directly with Horizon for mid-market and specialty carrier clients.

Broad incumbents

• Vertafore: Vertafore is a large insurance technology provider focused on distribution and agency management rather than carrier-side core systems, but it overlaps with Horizon's agency-facing functionality and P&C ecosystem.
• Accenture Insurance: Accenture is a global systems integrator that delivers large-scale P&C core modernization programs, often partnering with or competing against niche core-system vendors like Horizon for enterprise transformation deals.
• Cognizant Insurance: Cognizant provides IT services and insurance-specific solutions for P&C carriers, including implementation and modernization support, representing an adjacent incumbent that competes for the same modernization budgets.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Hrizn

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Horizon Systems