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Insurance · head to head

Duck Creek Policy vs Five Sigma

Duck Creek Policy logo

Duck Creek Policy

Insurance

Flexible policy administration for modern insurers

From
On request
Rated
-
Full reviewWebsite
Five Sigma logo

Five Sigma

Insurance

Cloud claims management with decision support aimed at insurers who cannot fund a full core programme

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Duck Creek Policy no pricing published on vendor website; enterprise solution requires custom engagement; Five Sigma the reference base is small compared with established claims vendors, so procurement and audit committees will ask for viability assurances you cannot fully answer.
  • They diverge on capability: Duck Creek Policy covers Policy lifecycle management, Five Sigma covers Claim file management.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Duck Creek Policy and Five Sigma actually diverge.

Attributes where Duck Creek Policy and Five Sigma differ
AttributeDuck Creek PolicyFive Sigma
PlatformsWebWeb, API
Founded2000Unknown

Identical on both: starting price (On request), pricing model (quote), free tier (No), user rating (Not yet rated), category (Insurance).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Duck Creek Policy

  • Policy lifecycle management
  • Product configuration
  • Rating engine
  • Underwriting workbench
  • Forms management
  • Billing integration
  • Multi-line support
  • Real-time quoting

Only in Five Sigma

  • Claim file management
  • Automation rules
  • Adjuster decision support
  • Vendor and litigation management
  • Configurable lines
  • Reporting and data export

What people use each for

The jobs each tool is most often brought in to do.

Duck Creek Policy

  • Policy administrationnot Five Sigma
  • Underwriting workflowsnot Five Sigma
  • Rating and pricingnot Five Sigma
  • Claims managementnot Five Sigma
  • Billing operationsnot Five Sigma

Five Sigma

  • A third-party administrator replacing a homegrown claims system without a multi-year programmenot Duck Creek Policy
  • An MGA taking claims handling in house from a delegated authority arrangementnot Duck Creek Policy
  • A mid-sized carrier that needs a modern claims system but cannot fund a core suite replacementnot Duck Creek Policy
  • A programme business that must report claims data to capacity providers in a consistent formatnot Duck Creek Policy

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Duck Creek Policy

  • No pricing published on vendor website; enterprise solution requires custom engagement
  • Modular product architecture means customers can mix/match components, making standard pricing impossible

Five Sigma

  • The reference base is small compared with established claims vendors, so procurement and audit committees will ask for viability assurances you cannot fully answer.
  • Automation benefits depend entirely on your claim mix, and a book with high-complexity liability claims sees far less handling time reduction than a high-volume property book.
  • There is almost no third-party integrator market, so implementation, configuration and later changes route through the vendor and its capacity becomes your constraint.
  • Deep integration with legacy policy systems is your responsibility, and claims platforms are only as useful as the policy and coverage data flowing into them.
  • Regulatory reporting for many United States states is not as complete out of the box as it is on platforms that have served American carriers for decades, so expect some reporting build.

Pricing, plan by plan

Duck Creek Policy

On request

No published plan breakdown. See the Duck Creek Policy review.

Five Sigma

On request
  • Five Sigma Claims$undefined/year
    • Claims administration
    • Automation and decision support
    • Configurable lines of business

Which should you pick?

Choose Duck Creek Policy if

  • You need policy lifecycle management.
  • You also want product configuration.
Duck Creek Policy review

Choose Five Sigma if

  • You need claim file management.
  • You work on Web, API.
  • You also want automation rules.
Five Sigma review

Questions people ask

Is Duck Creek Policy or Five Sigma better?
Neither clearly leads. Duck Creek Policy starts at On request and Five Sigma at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Duck Creek Policy or Five Sigma?
Duck Creek Policy starts at On request and Five Sigma at On request.
Does Duck Creek Policy or Five Sigma run on more platforms?
Duck Creek Policy runs on Web. Five Sigma runs on Web, API.
What is Duck Creek Policy best used for?
Duck Creek Policy is most often used for policy administration, underwriting workflows, rating and pricing, claims management. Of those, policy administration and underwriting workflows are not what Five Sigma is typically brought in for.
What can Duck Creek Policy do that Five Sigma cannot?
Duck Creek Policy covers Policy lifecycle management, Product configuration, Rating engine, Underwriting workbench. Five Sigma covers Claim file management, Automation rules, Adjuster decision support, Vendor and litigation management.

Answered from the vendors’ own pages

Duck Creek Policy: How much does Duck Creek Policy cost?

Duck Creek does not publish pricing. Policy is an enterprise solution for insurance carriers where implementation scope, data migration complexity, and customization requirements determine total cost of ownership. Interested prospects must contact Duck Creek's sales team through their 'Talk to Sales' call-to-action.

Source
Five Sigma: Who is the typical buyer?

Third-party administrators, MGAs and small to mid-sized carriers that need a real claims system without a core suite budget.

Duck Creek Policy: Is Duck Creek Policy a modular system?

Yes, customers can adopt Duck Creek products individually (Policy, Rating, Billing, Claims, etc.) or in combination. This modularity means pricing varies based on which products and integration depth customers require.

Source
Five Sigma: How does it compare with Guidewire ClaimCenter?

ClaimCenter has far more depth, references and integrator support, and costs correspondingly more with a longer implementation. Five Sigma competes on time to live.

Five Sigma: What should we test in a pilot?

Adjuster handling time on your own claim mix. The commercial case rests on that measurement, not on the feature list.

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