Guidewire Software, Inc.

Guidewire is the leading provider of core system software for the global property and casualty insurance industry. It delivers a cloud platform for policy administration, billing, and claims management. Marcus Ryu, John Raguin, and James Guidewire founded it in 2001 in San Mateo, California. Guidewire has become the industry standard for P&C insurance technology, replacing legacy mainframe and custom-built systems that many insurers have operated for decades.

The cloud platform, InsuranceSuite Cloud, has three core applications. PolicyCenter handles policy administration, underwriting, and product definition. BillingCenter manages premium billing, payments, and collections. ClaimCenter covers first notice of loss, claims adjudication, reserves, and settlement. All three are purpose-built for the data models, regulations, and business processes specific to P&C insurance, covering personal lines, commercial lines, specialty, and workers' compensation.

Guidewire made a major strategic shift from on-premises perpetual licenses to cloud-first SaaS delivery. The cloud runs on AWS and provides a multi-tenant, continuously updated platform. Guidewire Marketplace offers pre-built integrations with over 100 partners. Analytics provides data warehouse and BI tools. Digital powers policyholder and agent self-service portals. AI and machine learning are being embedded for predictive underwriting, claims triage, and fraud detection.

About 540 P&C insurers in 40+ countries use the platform, including many of the world's largest carriers. Annual revenue is roughly $1.5 billion. ARR exceeds $900 million as cloud migration accelerates. These migration deals represent multi-year, multi-million-dollar commitments. Cloud subscription gross margins exceed 60% and improve as the cloud mix grows. About 3,500 employees work at the company.