# GhostDraft

> GhostDraft is a cloud-based customer communications management (CCM) and document automation platform built specifically for insurers. Its GhostDraft 360 suite lets product, compliance, IT and business teams research policy language, author templates, map data from core systems, and generate personalized policy, billing, claims and correspondence documents across every channel. With roots in a document-composition engine launched in 1984, the company now serves dozens of North American and South African insurers - including Santam, Citizens Property Insurance and Harford Mutual - helping them cut speed-to-market, reduce compliance risk, and modernize how documents move through the policy lifecycle.

- **Founded:** 1984
- **Headquarters:** Toronto, Canada (with engineering in Cape Town, South Africa)
- **Founders:** Mark Todes (Founder), Mendel Karpul (Co-founder)
- **Products:** GhostDraft 360, Originate, Activate, Bureau Content, AI Assistant
- **Notable:** 40+ years pioneering document composition and digital communications, dating to a 1984 engine, Serves 65-150+ insurers across North America and South America regions (per company figures), Santam processes 3 million+ customer documents across policy, claims and billing on the platform

## Products & services

- **GhostDraft 360** — All-in-one insurance communications platform spanning the full document lifecycle, built from 12 integrated modules including Hub, Content Library, Design, File, Specify, Studio, Workbench, Configuration Manager, Review, Test and Publish.
- **Originate** — Suite for insurance form and policy-language research, creation, filing and governance - lets analysts and compliance teams author and manage content without heavy IT involvement.
- **Activate** — Suite for automating and delivering personalized, compliant omnichannel communications at scale - policy, billing, claims and correspondence documents.
- **Bureau Content** — Access to 8,000+ pre-built ISO, AAIS and workers' compensation forms with continuous monitoring and maintenance so insurers don't rebuild standard forms.
- **AI Assistant** — An embedded AI layer across Studio, Workbench and Workflow that automates formatting, styling, reorganizing document models and generating markup.
- **Professional Services** — Implementation, migration and optimization services, with an average go-live under 90 days and a stated 100% implementation success rate.

## Achievements

- 40+ years pioneering document composition and digital communications, dating to a 1984 engine
- Serves 65-150+ insurers across North America and South America regions (per company figures)
- Santam processes 3 million+ customer documents across policy, claims and billing on the platform
- Selected by Citizens Property Insurance Corporation, Florida's insurer of last resort, in July 2026
- Harford Mutual reported 54% straight-through processing and doubled premium volume after implementation
- Ships 8,000+ pre-built ISO, AAIS and workers' compensation forms
- States a 100% implementation success rate and average go-live in under 90 days

## Latest updates

- **2026-07** — Citizens Property Insurance Corporation, Florida's state-created insurer of last resort, selected GhostDraft to modernize its document management.
- **2025-01** — CEO Wayne Toms discusses AI convergence in customer communications management for #BizTrends2024/2025 coverage.
- **2024-01** — Santam, South Africa's largest short-term insurer, expands its CCM deployment, surpassing 3 million customer documents processed on GhostDraft.
- **2021-02** — Wayne Toms appointed Chief Executive Officer, effective February 1, 2021.

## Links

- Website: https://www.ghostdraft.com
- LinkedIn: https://www.linkedin.com/company/ghostdraft-inc-
- Twitter/X: https://twitter.com/ghostdraft
- YouTube: https://www.youtube.com/@ghostdraft

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Profile page: https://yespress.io/ghostdraft
Published by YesPress — https://yespress.io
Last updated: 2026-08-06