Insurance
Your claims and underwriting teams bring expertise and judgment. AI brings comprehensive analysis and tireless consistency. Together, you deliver fair, fast decisions at scale.
The Collaboration
Better Together in Insurance Operations
Insurance decisions require both analytical precision and human judgment. Here's how AI enables both.
Complete Claim Context
AI reads policy, loss history, and supporting docs together. Adjusters see everything relevant in one view.
Consistent Coverage Decisions
Same policy interpretation applied to every claim. Reduced disputes and appeals.
Fraud Pattern Detection
AI identifies suspicious patterns across claims. SIU focuses investigation resources effectively.
Faster Claim Resolution
Straightforward claims resolved quickly. Complex ones get the attention they deserve.
A Day in the Life
Claims Adjudication: Human + AI
See how a claims adjuster and AI work together on a property damage claim.
Claim Submitted
AI Handles
AI ingests claim details, policy documents, coverage terms, loss history, and similar past claims—all in seconds.
Adjuster Focuses On
Adjuster is assigned with full context already assembled.
Coverage Analysis
AI Handles
AI maps claim to policy terms, identifies applicable coverages, deductibles, and exclusions. Flags any ambiguities.
Adjuster Focuses On
Adjuster reviews AI's coverage interpretation.
Loss Assessment
AI Handles
AI analyzes supporting documentation, compares against similar claims, and identifies any red flags or inconsistencies.
Adjuster Focuses On
Adjuster applies judgment on credibility and circumstances.
Decision Package
AI Handles
AI prepares recommendation with payment amount, reserves, and documentation. Explains reasoning for audit trail.
Adjuster Focuses On
Adjuster makes final determination with full supporting evidence.
Resolution & Communication
AI Handles
AI generates policyholder communication, updates systems, and preserves complete decision record.
Adjuster Focuses On
Adjuster handles sensitive conversations and exceptions.
Total time: ~5 minutes with complete audit trail
vs. hours of policy review and documentation gathering
Applications
Where Teams Are Collaborating
Claims Adjudication
AI analyzes coverage, assesses loss, and prepares recommendations. Adjusters make fair, fast decisions.
Underwriting Review
AI evaluates applications, checks risk factors, and compares to guidelines. Underwriters focus on judgment calls.
Fraud Detection
AI flags suspicious patterns and assembles evidence. SIU investigators decide where to focus.
Policy Service
AI handles endorsements, renewals, and changes. Service teams manage complex requests and relationships.
Subrogation Recovery
AI identifies recovery opportunities, tracks deadlines, and prepares documentation. Recovery teams pursue.
Regulatory Compliance
AI monitors requirements, tracks filings, and flags gaps. Compliance teams review and certify.
See it in your insurance operations
Let's discuss how human-AI collaboration improves your claims and underwriting outcomes.