North AmericaUSA

Competitive Differentiation for Mutual and Mid-Market Carriers

We help mutual and mid-market carriers meet and exceed the challenges and expectations of an evolving insurance industry

In an increasingly competitive and demanding landscape, mutual and mid-market carriers are facing a variety of disruptive trends, market challenges, and complex claimant needs and demands that require them to transform their business strategies. The pressure to achieve market differentiation is growing, and it’s now more important than ever to keep a finger on the pulse with advancements in technology while also balancing cost objectives and capital constraints.

Our experienced, dedicated Carrier Practice team at GB is one of the industry leaders in partnered claims solutions for carriers and is well versed in the mutual and mid-market landscape. This team is on hand to provide the deep technical expertise and specialized knowledge required to help you stay abreast of a rapidly changing market, enhance your brand, and improve financial outcomes with our cutting-edge technology, transformation, and talent solutions.

Our partners can act with confidence, knowing they can leverage our support and expertise to:

  • Unlock growth and expansion opportunities into new regions and product lines without capital constraints
  • Access our dedicated Carrier Practice experts to work as an extension of your team nationwide
  • Gain access to our award-winning RMIS system, Luminos, which, together with SMART Benchmarking and Waypoint, boasts the predictive analytics required to grow and diversify
  • Industry-leading expertise to stay ahead of regulations, legislation, and new jurisdictions
  • Enhance your customer service experience to set yourself apart from your competitors
  • Robust frameworks to reduce your total cost of risk (TCOR)

What our clients are saying

Our Expertise

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Dedicated Carrier Practice Team Members
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Carrier Relationships
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Award wins


April 2022

GB Carrier Practice Capabilities Overview

We understand that carriers are under pressure to grow profitably, continuously develop products, expand in markets, delight customers, and keep pace with technology.

April 2022

Insurer resilience in a rapidly changing world: Finding opportunities in the value chain

In times of uncertainty, insurance carriers can remain resilient and continue to grow…

April 2022

Legacy Claims Solutions

According to a recent survey*, roughly 30% of run-off deals are motivated by disposing of non-core business; over 15% of relate to trends in social inflation and managing…

April 2022

Your next big opportunity is already here

Within a dynamic insurance marketplace, the ability to continuously develop products, expand in markets, delight customers and keep pace…

Case Studies

North America: Broadened Partnership with Mutual Carrier Effectuates Their Profitable Expansion

A mutual carrier was leveraging various TPAs to handle claims outside of its core footprint in an effort to hasten profitable growth. The carrier was able to compete on a national scale by leveraging GB’s footprint, expertise, and technology. They streamlined oversight by using fewer TPAs and GBs RMIS to easily see and monitor results while being confident GB was delivering an excellent customer experience.

Read how collaborating as partners, claims volume handled by GB for this mutual carrier client increased from hundreds in a few states in one LOB to a national presence in both Workers’ Compensation and Commercial Automobile Liability. This partnership facilitated growth of a differentiated product in a competitive landscape.

Featured Blogs


Three Keys to Sustainable Growth and Achieving Success for Mutuals in 2024

As mutuals step into the landscape of 2024, leading with robust, creative, and strategic planning for long-term success is paramount. The NAMIC 2022 Mutual Factor Report recently highlighted the impressive growth of the mutual insurance industry, setting the stage for mutual carriers to seize opportunities and overcome challenges in the year ahead. In this article, we explore three strategic pillars that will empower mutual carriers to navigate the remainder of the year and set the foundations for growth in 2024.

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The Carrier Marketplace with Jon Stambaugh

Get an exclusive look into the insurance industry’s biggest challenges as Jon Stambaugh, SVP – Carrier Practice, shares upcoming opportunities for carriers moving into the final months of 2023. He also reveals key focus areas for carriers aiming to thrive, reaffirms the attention on the global talent crunch, and spotlights key considerations when seeking strategic partnership opportunities.

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How to Balance Technology with Human Touch for Complex Claims Management

In the ever-evolving insurance industry, the management of complex claims requires a delicate balance between technology and human input. While automation and digital tools have streamlined processes, human connection, and oversight remain indispensable. Joe Berrios, Managing Director – Carrier Practice, delves into advice for striking the right balance between technical and human interaction when managing complex claims.

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