Power Platform for Insurance: Apps for the Work Between Systems

Every insurance carrier has dozens of workflows that fall between the major systems. Underwriting referral tracking that lives in a spreadsheet. Claim payment authorization above an adjuster's authority that runs through email. Producer commission disputes managed in a SharePoint list. Vendor onboarding for IME providers in a separate Access database. None of these is big enough to justify a custom build, but together they consume serious headcount and create compliance risk every time someone leaves and the tribal knowledge walks out the door. Power Platform is exactly the right tool — and the wrong way to use it is the most common way.

The failure mode in insurance Power Platform is predictable: a citizen developer in claims builds a Power App that captures reserve change requests, can't reconcile to ClaimCenter, creates a parallel data silo, and at the next Market Conduct exam the carrier can't prove which approval governed which claim. The fix isn't to ban citizen development; it's to govern it through a real Center of Excellence with environment policies, DLP rules, connector restrictions, ALM pipelines, and the audit-trail standards insurance demands. Done right, Power Platform unleashes 10-20 small productivity wins per year. Done casually, it creates 200 audit findings.