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INSURANCE
Policy, claim
and regulator file

From policy to claim
to regulator,
without the file shuffle.

Read every policy, decide every claim against it and assemble the regulator-ready file. Cited end to end, so the underwriter, the claims handler, the compliance officer and the executive see the same screen.

claims / open queueSAMPLE

Open

147

Decision-ready

38

Avg. cycle

4.2d

SLA breach

2

Citations

100%

CLM-2026-0412Motor · third party$14,200decision readypolicy match
CLM-2026-0411Property · fire$96,400evidence pendingloss adjuster
CLM-2026-0410Health · in-patient$8,750approvedauto-cleared
CLM-2026-0409Marine · cargo$212,000regulator querysubmission
CLM-2026-0408Motor · own damage$3,420decision readypolicy match

For whom

For insurers whose policy file, claim file and regulator file all describe the same event, and should not live in three different systems.

Four lenses

One workspace. Four people who finally agree.

No. 01

Decide more claims, more consistently.

For claims handlers

Multi-document fact extraction, conflict flagging, and a decision recommendation cited back to the policy and the evidence.

  • FNOL → recommended decision in minutes
  • Cross-handler consistency check against playbook
  • Every decision linked to its evidence
No. 02

Compare every policy against the request.

For underwriters

Side-by-side clause comparison and exposure analysis across thousands of policy templates and historical claim outcomes.

  • Clause-level comparison across policy templates
  • Exposure mapped against historical claims
  • Precedent matching for risk-tier decisions
No. 03

Be exam-ready before the regulator asks.

For compliance officers

Obligations mapped to evidence; complaint clocks tracked against statutory limits; submission packets assembled on demand.

  • Obligation library configurable per jurisdiction
  • Complaint resolution clock with breach alerts
  • One-click regulator submission packets
No. 04

See the four lenses on one page.

For executives

Claims throughput, underwriting exposure, compliance readiness, and the regulator's open queries, joined to the same numbers everyone else is using.

  • Live KPIs across claims, underwriting, compliance
  • Drill-through from board number to source claim
  • Anomaly briefings delivered to your inbox

Three flows · day one

Triage.
Interpret.
Defend.

EVERY INSURANCE OPERATION HAS THE SAME THREE-PART CYCLE: SIZE UP THE CLAIM, READ IT AGAINST THE POLICY, AND ASSEMBLE THE FILE THE REGULATOR WILL ASK FOR. THE DESK COMPRESSES EACH STAGE WITHOUT REMOVING THE HUMAN FROM THE LOOP THAT MATTERS.

01

Triage

claim / CLM-2026-0411 · fireDECISION DRAFT

Extracted facts

  • Loss date2026-04-02 · 21:14 EAT[Police Report §1.2]
  • CauseTenant gas-line failure[Loss Adjuster Report p.3]
  • Insured value$240,000[Policy Schedule §A]
  • Quantum$96,400 (40% of insured value)[Adjuster Worksheet]

Conflicts

Adjuster cause (tenant gas-line) conflicts with FNOL declared cause (electrical). Resolution required before approval.

Recommended decision

Pay 40% of insured value ($96,400), subject to tenant subrogation under [Policy §C.3, third-party recovery].

From FNOL to a defensible decision.

Every claim arrives as a stack of documents: police report, photos, statements, prior policy. The Desk reads them all, extracts the facts that matter, flags the ones that don't reconcile, and proposes a decision with citations to every supporting document. The claims handler reviews the reasoning, not the paperwork.

  • Multi-document fact extraction with conflict flagging
  • Decision recommendation with cited evidence
  • Consistency check against your handler playbook

02

Interpret

policy / clause search2 MATCHES
Is fire damage from a tenant-caused gas leak covered under a builder’s policy?
CoveredBuilder All-Risk · Policy §B.4

Fire damage to insured premises is covered, including events caused by third parties on the premises with insured’s consent.

Carve-outBuilder All-Risk · Exclusion §E.7

Subject to subrogation against responsible third parties; insured to assist recovery proceedings.

Precedents · same insurer · last 24 months

  • CLM-2025-0938Paid · subrogation recovered 70%
  • CLM-2024-1241Paid · subrogation pending
  • CLM-2024-0552Declined · insured negligence

A clause-level view of every policy.

Ask "is fire damage from a tenant-caused gas leak covered under this builder’s policy?" and get the controlling clauses, the carve-outs, and the precedents from prior similar claims, each cited back to the document and section. Underwriters use the same view to compare risk before quoting.

  • Natural-language clause and exclusion lookup
  • Side-by-side policy comparison for underwriting
  • Precedent matching against prior claim outcomes

03

Defend

regulator / submission packetOBLIGATION-MAPPED
01Claims register · Q1 2026ready342 claims
02Policy schedule snapshotready1,841 active
03Solvency margin worksheetready[Treasury-Q1]
04Complaint log + resolution clockready12 closed · 0 breach
05Reinsurance attestationreviewawaiting countersign
06Cover letter + executive sign-offdraftauto-generated

Obligations met

38 / 40

Evidence linked

214 docs

Submission

2 obligations open

The regulator’s file. Already assembled.

When the regulator (TIRA, IRA, NAIC, whichever applies) sends a query, the file is ready: claims register, policy schedules, complaint logs and solvency evidence, all linked to the obligations that require them. No fire drill. No spreadsheet archaeology. The compliance officer reviews and submits.

  • Obligation-mapped evidence: every requirement linked to its proof
  • Auto-assembled regulator submission packets
  • Complaint-handling timeline tracked against statutory clock

The insurance principle

One policy. One claim.
One file the regulator can’t reject.

Citation-backed

Every decision links to its evidence: police report, policy clause, adjuster note.

Full lineage

Trace any number on a regulator submission back to the claim that produced it.

Tenant isolation

Multi-tenant by default. Per-region data residency for cross-border carriers.

Approval workflow

4-eyes review on every claim decision and regulator submission. Audit log built in.

Regulator-ready

CONFIGURABLE PER
JURISDICTION

  • TIRA · Tanzania
  • IRA · Uganda
  • IRA · Kenya
  • NAICOM · Nigeria
  • FSC · Mauritius
  • PRA / FCA · UK
  • BaFin · Germany
  • NAIC (state) · US
  • Custom obligation libraries

Obligation libraries are configurable per jurisdiction. Multi-tenant isolation, encrypted-at-rest connectors, and per-region data residency are baseline.

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Decide more claims.
Defend every one.

Book a 30-minute walkthrough with an insurance specialist. Bring a real policy and a real claim, leave with a draft decision file.

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