LOUISVILLE, Ky. -- Humana Inc. is taking full advantage of processing efficiencies from technology investments and changing market dynamics by naming Availity LLC its primary gateway for the submission of claims and encounters. Under this national arrangement, Humana is asking all of its major clearinghouses to send submissions destined for Humana through Availity.

ST. LOUIS--With 120-mile-per-hour winds and devastating force, Hurricane Charley ripped into the Alligator Mobile Home Park in Punta Gorda, Florida earlier in the month. If the destruction wasn't enough, just two weeks later Hurricane Frances hit Florida 's East coast with 100 mile-per-hour winds. RVs were overturned, belongings strewn for hundreds of yards, and in its wake, hundreds of RVers were left homeless and stranded, their lives threatened to come to a screeching halt.

When it comes to e-commerce, insurers have made a lot of progress over the past several years. They've equipped their employees with browser-based policy, claims, and customer service applications. They've developed self-service features for policyholders on their Web sites. And they've rolled out real-time transactions-such as quoting, policy issuance and inquiry-to their agents and brokers.But just as the insurance industry is embracing the Internet and increasingly harnessing its ability to improve productivity and operational efficiency, malicious attacks--which can bring down corporate networks and compromise confidential company and customer information--are growing exponentially.

Protecting clients against disasters may be the bread and butter of many insurance companies. But many carriers have only just begun to take a hard look at their own business continuity strategies, especially when it comes to information technology systems."Insurers are there to protect and indemnify individuals against disasters and unforeseen accidents, but they have not really invested as aggressively-or at least thought about it as much-as banks and financial services have done," observes Bill Pieroni, general manager for IBM Corp.'s global insurance industry practice.

The landmark outsourcing deal that Zurich Financial Services signed in July begs this question: Is outsourcing back in vogue, or is Zurich's situation unique?Insurance executives surely will scrutinize the results and ramifications of Zurich's seven-year, $1.3 billion application maintenance and development deal with CSC. For starters, the arrangement is expected to save Zurich $300 million over the seven-year period. But more importantly, executives will be keenly interested in how Zurich is able to execute its business strategy, now that responsibility for new application development is out of the hands of Zurich's IT staff.

When politicians earlier this year were taking pot shots at offshore outsourcing, some insurance industry experts suggested that the backlash could have a "chilling" effect on potential deals, at least in the near term.However, that notion was laid to rest with the announcement in July that Zurich Financial Services had agreed to a seven-year applications sourcing contract with Computer Sciences Corp.

Most laptop computer users remain bullish on this technology as a portable and user-friendly computing alternative, one that enhances productivity.No doubt, that notion-while true-is also relative. Material damage appraisers for Indianapolis-based Indiana Farm Bureau Insurance Co. once regarded 4.5-lb. standard-sized laptops as the best available tool to support their workflow efforts in handling auto insurance claims.

Fiserv Inc. has acquired Results International Systems, Inc., a provider of outsourced solutions for the property-and-casualty insurance industry.

LOUISVILLE, Ky. -- Humana Inc. today announced the filing of applications for five patents in pharmacy and health metrics by its Innovation Center. All five of the patent applications are for Humana's use of innovative information technology applications to engage consumers in health benefits.

With boating season in full swing, Safeco has announced the launch of a new specialized claims unit dedicated to handling boaters' insurance claims.

COLUMBUS, Ohio-- Nationwide Mutual Insurance Co., one of the country's largest property and casualty insurance companies, has received more than 22,000 claims in the past week for damages from Hurricane Charley. Overall, Nationwide estimates it will receive more than 50,000 claims and losses approaching $400 million.

ING has made enhancements to its online services for employer groups. The enhanced services include online reports, online documents, online evidence of insurability and online billing for self-accounting customers.

DAYTON, Ohio-- The Maryland Automobile Insurance Fund (MAIF), created by the Maryland State Legislature to provide insurance coverage for the state's most at-risk drivers, has chosen RiskWise solutions from LexisNexis, an information solution provider, to help screen information provided by applicants and claimants in an effort to proactively identify rate evasion and claims fraud.

To help doctors understand the role of return-to-work in recovery, CIGNA Group Insurance introduced a new Physicians' Disability Toolkit, an informational Web site for health care providers and their office staff is designed to aid patients' treatment and recovery plans.

GREENVILLE, S.C-- RBC Insurance is providing consumers the ability to acquire life insurance in as little as 15 minutes at its Web site located at www.rbcexpressterm.com.

A lot has been made about insurers' attempt to comply with federal regulations, such as The USA Patriot Act and Sarbanes-Oxley, but lost often in the shuffle are the ongoing state-level regulations with which insurers must contend.

To provide customers with an "ideal buying experience" can sometimes mean practicing what you preach.That axiom is being practiced by business and information technology executives at Amica Life Insurance Co., a Lincoln, R.I.-based provider of term and universal life, annuities and structured settlement insurance products. The "Ideal Buying Experience" is Amica Life's recently launched new business selling program which focused on automating the front-end capability of the carrier's business-from electronic applications and new business submission, to paperless underwriting and automatic issue within its core administration system.

In recent years, insurance companies have spent more money on legacy system maintenance than on packaged software applications, according to industry experts.There are several factors influencing this trend, but one undoubtedly stands out: Many insurers concur that there's a lack of robust software application options to fulfill their needs.

Many insurers have indicated that reining in claims handling costs is a priority this year and beyond. After examining the root cause of inefficient claims management, insurers have concurred that the onus is on the absence of historical databases.In a customer poll conducted by Jersey City, N.J.-based Insurance Services Office Inc. (ISO), 46% of U.S. insurance organizations identified the lack of historical databases as a major cause of poor claims management.

Conventional management thinking says: Labor is expensive, and automation reduces that expense. Although in many cases this statement is true, competitive advantage in the area of customer service isn't a simple matter of replacing people with technology.