Frequently asked
questions

Sybil is a cloud-based portfolio management platform for insurers. It turns your premium and claims data into one shared view where actuaries and underwriters can analyse performance, agree on actions and track the results over time.

It’s a process where analytical insight guides human decisions, so you get more value from your existing portfolio. You find the segments that are underperforming, act on them, and review the results in a regular cycle.

A BI dashboard shows what happened. Sybil goes further: it combines actuarial projections, underwriter exploration, scenario testing and an audit trail of decisions. It then measures actual results against expected ones, so you can see whether your actions worked.

Both. Actuaries use the Actuarial and Underwriting (a-priori) modules for technical analysis. Underwriters use the Main Dashboard to explore performance and identify actions. Everyone works from a single version of the truth.

Sybil suits insurers and MGAs with policy-level premium and claims data. Every implementation is tailored to your portfolio’s structure.

No. Sybil works for insurers and MGAs of all sizes. The platform is set up around your portfolio, however large or complex it is.

No. Everything runs in the browser, and no coding is needed.

New data is loaded, and actuaries analyse it. Underwriters then explore the results and agree on actions. When the next round of data arrives, results are compared against expectations and refined, and the cycle repeats.

Main Dashboard (performance, comparison and risk profile views); Underwriting Module (a-priori expectations); Actuarial Module (triangles and development patterns); Actual vs Expected; and the Action Log with audit trail.

Actuaries can set up claims triangles, review link ratios and development patterns, build a-priori loss ratio expectations, and save alternative scenarios to compare them.

Underwriters can explore performance by segment and compare segments side by side. They can review the risk profile and find the parts of the book that need action.

The Action Log records every decision and change, giving you a full audit trail. As new data comes in, the Actual vs Expected view shows how those actions are playing out.

Usually monthly or quarterly, agreed with each client.

Through Actual vs Expected. Each data refresh compares emerging premiums and claims against what was projected, so you can see what’s on track and what needs revisiting.

Policy-level premium and claims data, plus some context: your portfolio structure, large-loss definitions, rate change history and IBNR approach. Sybil doesn’t need personal data.

Data is transferred over encrypted connections, and no cleartext protocols are used. Our team cleans and loads it into a repeatable pipeline, so every refresh is consistent.

Sybil works with data extracts in any format, such as CSVs or database exports, so you don’t need to replace or change your systems.

Yes, Sybil is Software-as-a-Service accessed through your browser. There’s nothing to install.

Few insurers have perfect data. We handle cleansing and consolidation during onboarding and flag any quality issues early.

Data is encrypted at rest and in transit, and HTTPS is enforced on every connection. Login uses SSO (Microsoft Entra ID or Google Workspace) with multi-factor authentication. Backups are regular and tested. Our infrastructure providers hold independent certifications, including SOC 2 and ISO 27001.

Only your authorised users. Every data request is checked server-side against an explicit permission record for your organisation, and any request without one is rejected. Each client’s data is kept fully separate.

Yes. Access is permission-based, and session timeouts can be configured for your organisation.

Typically weeks, not months, depending mainly on data readiness.

We work with your experts to understand your portfolio: its structure, large-loss definitions, rate history and IBNR approach. We then clean and load your data, set up the platform and hand over login access.

We provide a full user manual and a portfolio management eBook.

Yes. You can book a demo, or run a six-month paid pilot with full access to Sybil using your own data.

Most of the effort comes early on, when our team works with your experts on data and requirements. We handle the data cleansing and loading.

Sybil is licensed on an annual subscription. Contact us for a quote.

Contracts run for one to three years. You can cancel without giving a reason on 90 days’ notice.

Every client gets support from our in-house tech team by email at info@sybil.cloud.

Sybil is under active development. Because it’s cloud-based, all clients get updates automatically.

Yes. Client feedback shapes our roadmap, and each implementation is already tailored to your portfolio.

We’re happy to arrange reference conversations on request.