I also worked in insurance technology on the first point you've mentioned. Most of what I was trying to do was implementing the business logic of a worker's com

I also worked in insurance technology on the first point you've mentioned. Most of what I was trying to do was implementing the business logic of a worker's comp company that was attempting to optimize risk across different states, and comply with what regulators permitted. It was all in excel and just needed to be ported to something more modern and future proof.