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Insurance — P&C Claims

Claims AI without the BPO line.

Five document workflows for P&C carriers, MGAs, TPAs, and IA firms — extracted, validated, and delivered into Guidewire ClaimCenter, Duck Creek Claims, or Origami Risk.

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The Landscape

The Workflow You Wish Wasn't Outsourced

Most P&C carriers route claims-document work to Crawford, Sedgwick, Genpact, EXL, ReSource Pro, or a captive shop in Manila — templated, rules-driven work with a regulatory floor (DOI, NAIC, ISO ClaimSearch) and a defensibility floor. That's the cell where AI workflows undercut the labor cost without changing the customer's compliance posture. Last Rev replaces the BPO line item, not other AI vendors in your evaluation queue.

Workflows

Pick the Workflow You Want to Replace

Each page below shows input, analysis, output, and the system of record we deliver into.

Workflow 01

FNOL Intake

FNOL into Guidewire ClaimCenter, Duck Creek, or Origami in 4 minutes — not 48 hours. Coverage triggers and fraud signals flagged at intake.

Workflow 02

Acord Form Processing

Acord 1, 3, 25, 125 — every field extracted and validated against carrier business rules. No 4–24 hour offshore turnaround.

Workflow 03

Medical Record Summarization

Chronological treatment timelines from 100–2,000 page packets — defensible, structured, ready for the adjuster in hours, not weeks.

Workflow 04

Property Estimate Review

Xactimate, Symbility, and Verisk 360Value line-item review before the estimate hits the adjuster. Scope, supplements, and price-padding flags surfaced.

Workflow 05

Demand Package Review

Reserve recommendation and settlement range in days, not 90. Demand letter, medical records, lost-wage docs, and jurisdictional verdict comparison built.

Systems of Record

We Deliver Into the Platforms Your Adjusters Already Use

Guidewire ClaimCenter Duck Creek Claims Origami Risk Snapsheet ISO ClaimSearch Xactimate Symbility Verisk 360Value CCC Intelligent Mitchell Salesforce FSC Acord forms (1, 3, 25, 125)
Common Questions

What Carriers Ask Before Engaging

How is this different from the AI vendors my carrier already evaluated (Snapsheet, Cohere, Hi Marley)?
Those vendors sell SaaS. We replace the BPO line item on your operating budget. The competitor on this page is the offshore claims-handling MSA you signed with Crawford, Sedgwick, Genpact, EXL, or your captive in Manila — not another point AI tool. We undercut that labor cost, integrate directly into your existing Guidewire or Duck Creek deployment, and deliver a structured claim record into your system of record. You own the workflow, the prompts, and the outputs.
We have a 3-year MSA with our claims BPO. How does this work alongside it?
Most carriers run AI on the front of the funnel and route exceptions to the BPO. FNOL extraction, Acord processing, and medical record summarization all happen in minutes; anything below your confidence threshold goes to the BPO queue you already have. Volume to the BPO drops 60–85%, your fixed contract is unchanged, and you renegotiate on the next renewal from a much better position.
What about defensibility and audit trail? Claims work has to hold up to discovery and DOI exam.
Every extraction, decision, and routing step is logged with the source document, the model version, the prompt, and the confidence score. You can produce a chain of custody for any field on any claim. We build to ISO ClaimSearch, NAIC market-conduct standards, and your state DOI requirements — and the audit log is yours, not ours.
Can you actually integrate with Guidewire ClaimCenter / Duck Creek Claims / Origami?
Yes — through the standard integration patterns each platform supports. Guidewire via the ClaimCenter REST API or the EDGE integration framework. Duck Creek via OnDemand APIs. Origami Risk via their REST API. We do not require platform-side custom development — your IT team reviews and approves a service account and we connect through the documented integration surface.
How long until we have something running in production?
FNOL intake or a single Acord workflow typically runs a 6–8 week pilot on a constrained book — one LOB, one region, defined success criteria. Production cutover happens when the pilot meets the carrier's accuracy and audit thresholds. Multi-workflow rollouts are phased; we don't try to replace your entire BPO stack in one go.
What does pricing look like compared to our current per-file BPO rates?
We benchmark against your existing per-file unit economics — whatever Cogneesol, ReSource Pro, or your captive currently charges. Our target is 30–50% of that per-file cost at higher accuracy and faster cycle time. Pricing is structured around volume tiers and outcome SLAs, not hourly billable rates.
Is this a good fit for surplus lines and specialty / commercial carriers, or just personal P&C?
Both. The workflows are largest in volume on personal lines, but the per-file labor cost and complexity is highest on commercial and specialty — where a single demand package or large-loss medical packet can run $1,500+ at the BPO. The ROI math typically gets stronger as the file gets harder.

Two Ways to Start

Take the AI assessment if you want a structured read on where AI fits in your claims operation. Talk to us if you already know which workflow is bleeding the most labor cost.

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A short structured assessment that maps your claims-document workflows to AI feasibility and ROI. You get a tailored read in your inbox — no sales call required to see it.

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Talk to a Claims AI Specialist

Tell us your top three workflows by labor cost, your system of record, and your current BPO. We'll come back with a per-file ROI model and a 6–8 week pilot plan in 5 business days.