Based in Hartford, Connecticut, Combined Ratio is an InsurTech services provider specializing in maximizing the value property and casualty (P&C) insurance companies have invested in existing IT infrastructure. Combined Ratio’s experienced onshore and offshore development teams easily accelerate the pace of change within insurance organizations by rapidly clearing IT backlogs and change requests, creating custom software solutions, performing system enhancements and upgrades, and delivering opportunities for innovation with competitive pricing options and significant expertise optimizing operations. Whether the challenge is development, integration or configuration, Combined Ratio helps insurance organizations figure out the best technologies and methodologies required for quick, inexpensive implementations.