Submission and FNOL intake, standardized
Before
Submissions arrive as PDFs in an inbox and wait days before anyone knows what's missing.
After
One intake structure per line, named owners, a checklist. The first week of delay disappears.
Underwriting and claims, with a person on every threshold.
Submission intake, underwriting triage, FNOL, claims adjudication and renewals are heavy on documents, rules and exceptions. That's the exact mix where rules handle the volume and a bounded agent handles the variance, with a named owner on every decision.
Where it starts, and what changes.
Read the "before" and find yours. Most insurance teams start here and find that half of what they assumed needed AI didn't.
Straight-through processing on clean cases
Before
Clean business is rated by hand, in a queue behind the hard cases.
After
Rules on your policy and claims platform handle clean cases straight through. Anything outside the rules halts and routes.
The next two levels for insurance, and what we typically see
Submission triage and document reading
Before
Underwriters and adjusters spend their week extracting data from broker submissions and loss documents.
After
An agent reads the documents, extracts what the rules need, and recommends a routing. Underwriters and adjusters approve every one at first, then only the exceptions.
Leakage and portfolio loop
Before
Leakage and poor submission quality are discovered at year-end review.
After
Patterns surface monthly by broker and line. Thresholds move under review; the portfolio improves quarter over quarter.
Days
a submission commonly waits before an underwriter sees it, most of it in rekeying
20 to 35%
of claims handler time typically spent gathering documents rather than adjudicating
Every decision
carries a confidence score, a threshold and a named owner in an L3 build
Broker submission to quote: before, and after each level.
The left column is what we usually find. The right column is the same process, one level at a time, each step is paid for by the one before it.
KPIs that move, and who notices.
Baseline these before anything changes. The Survey instruments them; the Pilot is measured against them.
| Metric | How to measure it | Who it moves |
|---|---|---|
| Submission-to-quote time | Working days from receipt to quote sent | Underwriting, distribution |
| Straight-through rate | % of clean cases processed without touch | COO |
| Claims cycle time | Days from FNOL to closed, by line | Claims, finance |
| Leakage | Overpayment as a share of indemnity | CFO, claims |
What you get when it's built this way
Speed brokers notice
Same-day quotes on clean business win submissions.
Adjusters adjudicate
Document gathering leaves the week.
Defensible decisions
Every automated action shows what it saw, what it decided and who approved it.
Systems insurance teams usually run on and where we've built.
We start with what you own. None of these is a partnership we take margin on.
Questions insurance teams ask before the first call.
Where should a insurance team start with automation?
With submission and fnol intake, standardized. It's the step that returns hours before any software is bought, and it makes everything after it cheaper. The assessment tells you whether your process is already past that point.
Do we need AI to improve broker submission to quote?
Usually not at first. Most of the delay in broker submission to quote comes from manual hops between systems, which deterministic rules remove. An agent earns its place only where the inputs vary, and we start it read-only.
Which systems do you build on in insurance?
The ones you already run. We start with capability you license and nobody switched on, and we take no margin on anything we recommend. If a different tool would remove a real roadblock, you get the case and the switching cost in writing.
Thirty minutes. Worst case, you lose half an hour.
Bring one process. You leave knowing which level it's on, what to fix first, and whether it's worth doing anything at all.