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Feature	Deloitte Policy Transformation Policy Administration Out-of-sequence endorsementsPartial MGA/MGU workflowsUnsupported Cloud-native deploymentPartial API-first integrationUnsupported ACORD integrationUnsupported	Duck Creek Policy Policy Administration Out-of-sequence endorsementsNative MGA/MGU workflowsNative Cloud-native deploymentPartial API-first integrationNative ACORD integrationNative	Guidewire InsuranceSuite Policy Administration Out-of-sequence endorsementsNative MGA/MGU workflowsNative Cloud-native deploymentPartial API-first integrationNative ACORD integrationNative
Out-of-sequence endorsements Supports endorsement activity that arrives out of chronological order.	Partial	Native	Native
MGA/MGU workflows Includes native workflows for delegated authority, program business, or MGA operations.	Unsupported	Native	Native
Cloud-native deployment Delivered as a modern cloud or SaaS product rather than only hosted legacy software.	Partial	Partial	Partial
API-first integration Provides documented APIs suitable for carrier or insurtech engineering teams.	Unsupported	Native	Native
ACORD integration Supports ACORD standards, messaging, mapping, or data exchange.	Unsupported	Native	Native
Commercial lines depth Has meaningful commercial P&C capabilities beyond personal lines.	Partial	Partial	Partial
Specialty/E&S fit Fits specialty, E&S, program, or non-admitted workflows.	Native	Unsupported	Native
Configurable workflows Allows business users or implementation teams to configure workflow and rules.	Native	Unsupported	Native
Submission intake and normalization Intake from brokers, portals, and email with enrichment, dedupe, and structured underwriting payloads.	Unknown	Unknown	Unknown
FNOL and assignment Digital FNOL, triage, loss location capture, and assignment to internal or external adjusters.	Unknown	Unknown	Unknown