Claims triage & FNOL automation
Route first-notice-of-loss submissions by severity, complexity, and likely fraud risk, so straightforward claims reach fast-track handling and complex ones reach a senior adjuster immediately.
Industries
AI systems for insurance operations
We build production AI for insurers: claims triage, underwriting document intelligence, and reporting automation that plugs into your policy administration and claims systems, with adjusters and underwriters still making the call.
Where this fits
Claims intake, underwriting submissions, and actuarial reporting share the same bottleneck: a large volume of unstructured documents, from first-notice-of-loss forms and broker submissions to policy wordings and medical reports, that a person has to read before any decision gets made. Adjusters spend hours on data entry before they can assess a claim; underwriters re-key submission data that already exists in a broker’s email; actuarial teams rebuild the same regulatory templates every quarter from source systems that were never designed to talk to each other.
We build systems that read those documents first and hand adjusters and underwriters a structured starting point instead of a blank intake form. Claims triage models route first-notice-of-loss submissions by severity and likely fraud risk; underwriting document intelligence extracts risk data from broker submissions into your rating engine’s format; reporting pipelines assemble Solvency II submissions from actuarial and policy data with full lineage. Everything runs against your policy administration and claims systems, on your infrastructure, with the human decision, whether to settle, decline, price, or escalate, staying with your team.
Named solutions
What we build for Insurance
02
Underwriting document intelligence
Extract risk data from broker submissions, schedules, and loss runs directly into your rating engine’s format, cutting the re-keying that delays a quote.
03
Policy wording Q&A copilots
Let adjusters and service staff query policy wordings and endorsements in plain language, with answers grounded in the actual policy document, not a general summary.
04
Claims fraud detection
Flag claims with anomalous patterns against your historical fraud data, prioritising investigation resources on the claims most likely to warrant it.
05
Actuarial data preparation
Build pipelines that clean and structure policy and claims data for actuarial models, removing the manual data-wrangling step that precedes every reserving cycle.
06
Customer correspondence drafting
Draft claims correspondence and renewal communications from case data and policy terms, for an adjuster to review and send rather than write from scratch.
07
Solvency II reporting automation
Assemble Solvency II quantitative reporting templates directly from actuarial and policy systems, with every figure traceable to its source record.
08
Renewal risk scoring
Score renewal risk from claims history and exposure changes, giving underwriters a consistent basis for renewal terms instead of a manual file review.
09
Broker submission intake automation
Parse broker submission emails and attachments into structured data on arrival, so a submission is underwriting-ready before anyone opens the file.
How we work
Our delivery process
- 01
Discovery & data audit
We map your policy administration, claims, and actuarial systems and the reporting obligations that constrain any automation.
- 02
Compliance-aware integration
We connect to claims and underwriting systems under your access controls, with document extraction fully logged.
- 03
Model build & validation
We build triage, extraction, and detection models and validate them against your historical claims and underwriting data.
- 04
Regulated deployment
Systems ship on your infrastructure with the audit trail Solvency II reporting and internal model governance require.
- 05
Monitoring & retraining
We monitor accuracy against new claims and renewal cycles, retraining as your book and products evolve.
Compliance
Built for the insurance compliance stack
Systems we deploy for insurers are designed around Solvency II reporting and governance requirements, EU AI Act obligations for AI used in underwriting and claims decisions, GDPR handling of policyholder and claimant data, and, for group entities with banking-adjacent operations, DORA operational-resilience requirements. Every automated triage or fraud flag is logged with the data it evaluated, and claims settlement, underwriting price, and coverage decisions remain human calls, supported by the system rather than made by it.
Frequently asked questions
Does the system settle claims or set underwriting prices?
No. It triages, extracts, and flags; the adjuster settles the claim and the underwriter sets the price. The system removes the manual data work that precedes those decisions, not the decisions themselves.
How do you validate fraud detection without excessive false positives?
We train and tune against your own historical claims and confirmed fraud cases, and report false-positive rates alongside detection rates so your investigation team can set the threshold that fits their capacity.
Can this integrate with our existing policy administration system?
Yes. We build the integration layer to your specific PAS and claims system rather than asking you to migrate to a new platform.
How does this fit Solvency II reporting timelines?
Reporting pipelines are built to your existing submission calendar and reserving process, assembling templates from source data on the same cycle your actuarial team already runs.
Related services
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Talk to us about Insurance
A 30-minute call to scope what a first system would look like against your own data and systems.
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