Insurance
Underwriting and claims at today's pace.
Underwriting and claims both start the same way: somebody reads a stack of documents and decides what matters. That reading is where the days go, and it is the part a machine does well as long as the judgment stays with a person. We build systems that read what arrives, score the risk, route the claim, and put the whole policyholder in front of whoever is deciding.
- Underwriting that reads the policyholder's documents and scores the risk
- Claims read, classified and routed the moment they arrive
- Anomalies and fraud flagged before the money goes out
- Hundreds of documents pulled into a single policyholder view
- Renewals and retention that run themselves
- Round-the-clock answers for agents and policyholders
The reading is the bottleneck
An underwriting file or a claim shows up as a pile: forms, photos, a doctor's letter, a garage estimate, three emails of context. Someone reads all of it before any decision can be made, and that reading is where the days go. A model reads the same pile in seconds and lays out what it found, with every fact pointing back to the page it came from.
Scoring, routing and the exceptions
Once the pile is structured, the routine work sorts itself. Simple claims go down the fast path, files that look unusual get pushed up with a reason attached, and a possible fraud pattern raises a flag before the payment runs. The rules behind all of it are yours and stay editable, so a change in policy is a change in configuration.
What agents and policyholders get
A question that used to sit in a queue overnight gets an answer straight away, drawn from the actual policy document rather than a generic script. Renewal approaches go out based on where the customer really is, and a person picks the conversation up the moment it stops being routine.
Where we would start in your office
The first build is reading the submission pack. Loss runs, schedules and applications arrive as PDFs and spreadsheets in whatever shape the broker sent them, and somebody retypes the contents into a rating sheet. That retyping is high-volume, rule-describable and verifiable line by line, which is exactly the profile of a good first project. Once submissions land as data, the work worth doing becomes possible: triage by appetite, flagging what falls outside guidelines, and answering before the broker has called the next carrier.
Questions we get asked
Are you making underwriting decisions automatically?
No. The system reads, structures and scores. An underwriter decides. What changes is that they open a file which has already been read, with the unusual parts marked.
How does it handle documents from dozens of different sources?
Every insurer, garage and clinic formats things their own way, so we avoid per-format rules. The reading is model-based and works from the meaning of the document, which is why a new sender does not break anything.
What about regulatory and privacy requirements?
Data stays inside your environment, every automated action is logged with the input that produced it, and access is scoped per role. We design the audit trail at the start instead of bolting it on when a regulator asks.
Can it plug into our core policy system?
Usually yes, through the API or a database connection. Where a legacy system has neither, we work through the file exchange it already supports.
Tell us what's slowing your business down.
30 minutes. No pitch, no deck. Just listening to your needs and seeing how we can help.
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