Virtualfiles deliver claims management solutions to a global market

who we are

Virtualfiles is the trusted provider of claims and risk management solutions, working with some of the biggest brokers, TPAs, MGAs, legal firms and enterprises across the globe. Why VirtualFiles?

The VirtualFiles platform is fully dynamic, so customers can easily develop their own unique offering on top of our tried and tested insurance platform. This is one of the reasons Virtualfiles is recognised as a solution leader in the insurtech marketplace, delivering a core platform that can be easily changed to provide a bespoke solution without the development time or costs.

  • Full claims lifecycle management

    Full claims management from FNOL to settlement

  • Workflow and process automation

    Automate process and drive efficiency

  • Document generation

    Upload your existing document templates, generate documents, or have the system automate the generation or delivery of the document automatically

  • Advanced real-time MI, KPI & analytical dashboards

    The advanced MI, BI, KPI and analytical module provides a single pane across all schemes, giving you instant access to key information

  • Reporting

    Making the creation of complex reports simple and quick, generate a v5 Lloyds bordereau, financial movement, claims summary with ease. Automate the creation and delivery of reports

  • Form design

    Create custom screens easily. Add user securities, release to a scheme, add workflow and processes with ease

  • Manage multiple schemes

    The ability to add and manage existing and new schemes with ease

  • Security Management

    Ability to apply granular user securities

  • Client access portal

    Provide brokers, insurers, capacity providers or any external party secure access via the client portal

  • Document management

    Upload documents to a claim, create a collection of documents and issue securely with restrictions (download limits/time to download limits), Merge documents, full version control. Tag documents with additional metadata

  • Messaging

    Send and receive emails directly to and from a claim. Create claims from FNOL emails, integrate emails into workflow for further process automation

  • Financial

    Add payments and set reserves

  • Financial authority

    Building in capacity/regulatory governance using the vf financial authorisation module

  • Policy Module

    Create or bulk upload policies for multiple schemes. Advanced policy erosion based on split or basis

  • Task diary

    Create tasks and manage your diary

  • Integration

    Integrate into third party system via a API

  • Authentication

    Two form factor authentication or SSO sign on authentication

  • Compliance and auditing

    Every action is recorded and auditable, with the platform keeping a timeline of claims progression events per claim, and a transactional user action list per user

  • Service Level Agreement

    Track and meet contractual service levels

  • Branding

    Customise and brand the platform with logo, corporate colors, and platform name

additional modules:
“The VirtualFiles platform will save you time and drive performance and meet SLA’S”
“VirtualFiles offers one of the leading claims and risk management platforms on the market, and its easy to see why they are being recognised as one of the fastest growing insurtech providers around”
“I’ve been in the insurance market a long time, and the VirtualFiles claims management platform is without doubt the best I have used”


Virtualfiles was approached by a leading global broker, with the urgent requirement to provide a global risk and claims management solution for a flagship client.

Requirements included:
  • A global platform

  • Multi-currency

  • Multiple time zones

  • Layered policies with automatic policy erosion

  • Dynamic party allocation based on policy erosion

  • Corporate and PI claims management

  • Automatic financial party allocation based on region

  • Custom screens and workflows

  • 24/7 support

  • Accessible across 40 countries / 247 regions