A leading general insurer
Marine claims from 28 days to 2 days, across 200,000 claims a year.
Claims intake, validation and adjudication, starting with one line of business and growing across the insurer's portfolio on the same platform.
- 28 days → 2 daysMarine claims cycle
- 200,000Claims a year
- 3 linesExtended warranty, accidental & liquid damage, marine
- NextClaims → underwriting
The challenge
Claims arrived as bundles of forms, invoices, survey reports and photos. Each one had to be read, checked against the policy and assessed by hand before an adjuster could decide, so cycles ran for weeks.
The insurer wanted faster settlements without giving up control: adjusters had to stay in charge of every determination their authority matrix reserved for them.
How it works
- 01Start with one decision
Rules and workflows were configured for extended-warranty claims intake and adjudication: the one-time work that landed the account.
- 02Expand on the same platform
The same platform then took on accidental and liquid damage, and marine lines, without rebuilding anything underneath.
- 03Productize what was learned
The context built up across these lines was folded back into the platform as ClaimWise, a pre-built insurance solution, built with the insurer as a design partner. It is now running with a second insurer.
The results
| Measure | Before | After |
|---|---|---|
| Marine claims cycle | 28 days | 2 days |
| Claims volume | — | 200,000 a year |
| Lines in production | 1 | 3 |
The insurer is in commercial discussions to extend from claims into underwriting, on the same platform.