From underwriting submission to claims settlement — agents that carry the policy, claim, and regulatory structures your lines of business actually run on. Your underwriters and adjusters stay accountable for every decision.
Specialized insurance agents across underwriting, claims, distribution, actuarial, and operations. Built for carriers, MGAs, and insurtechs.
When a policyholder files a claim, the clock starts. Every day between FNOL and settlement erodes trust. Standard claims still take weeks to close while the file moves between adjusters, vendors, and reviewers. Customers leave. NPS drops.
Every day a claim stays open costs you in LAE, customer satisfaction, and retention risk.
Bad risks get through. Good risks get declined or priced out. Hit ratios on commercial lines suffer because underwriters spend more time on submission triage and data entry than on risk analysis.
On a hypothetical $500M book, one point of loss ratio is $5M — which is why selection quality dominates every other lever.
Expense ratio eats into profitability even when loss ratios are healthy. Manual processes in policy administration, billing, and renewals drive operational costs higher.
Combined ratio is arithmetic: every point of expense you do not spend is a point you do not have to earn back in underwriting.
Most carriers catch obvious fraud but miss sophisticated schemes involving coordinated claims, staged accidents, or inflated damages. SIU teams are understaffed and overwhelmed.
Leakage you never detect never shows up in a report — it settles quietly as paid loss.
A scoped deliverable
We map one high-impact insurance workflow together — typically claims triage, underwriting submission intake, or fraud pattern review — and walk you through the agent configuration for it, against your own process.
Scoped per engagement
Expand from one agent to a team. Add underwriting agents alongside claims agents, and cover more lines of business. Every recommendation still lands in front of the person who holds the authority to act on it.
Scoped per engagement
The full insurance module, designed for deployment inside your perimeter.
One of the specialized insurance agents defined in the module
The Resolution Expert
I help you... Work claims from first notice of loss to settlement — triaging, documenting, and reconciling each file so your adjuster decides on a complete record.
The agent recommends; it does not decide. Coverage determinations, reserves, and settlement authority stay with your licensed adjusters.
More agents available: Chief Underwriting Officer, VP Personal Lines, VP Commercial Lines, VP Specialty, VP Claims, Fraud Investigation (SIU), VP Distribution, VP Actuarial, VP Risk Management, Reinsurance Director, and more.
FAOSX prices a deliverable, never consumed time.
| Area | What the agents do |
|---|---|
| Claims Triage | Sorts incoming claims by complexity and coverage line, and routes each file to the adjuster or vendor who should own it |
| FNOL Intake | Captures first notice of loss, matches it to the policy in force, checks coverage terms, and opens the file with the record assembled |
| Claims Documentation | Reads estimates, reports, and correspondence, reconciles them against the policy, and hands the adjuster a complete file to decide on |
| Underwriting Support | Intakes submissions, assesses exposure against your written appetite, and prepares the pricing and portfolio view for the underwriter of record |
| Fraud Referral | Recognizes patterns across claims history and behavioral signals and raises them as SIU referrals for a human investigator to work |
| Policy Operations | Prepares renewals, endorsements, billing, and policyholder correspondence for review before anything is issued |
The module encodes state DOI filing requirements, NAIC model regulations, and statutory accounting (SAP) reporting structures — your compliance and actuarial teams remain accountable for what is filed.
Book a Discovery Workshop. We will map one insurance workflow with you, walk through the agent configuration for it, and hand you a scoped decision you can act on either way.