Claims decided in minutes on an owned brain
Pre-inspection, underwriting decisions and KYC running on their own intelligence layer — an insurance enterprise that stopped renting AI and started owning it.
INSURANCE · OWNED INTELLIGENCE LAYERThe challenge
Claims pre-inspection is a volume business with judgment at its core: thousands of daily cases, each needing policy checks, document verification, history lookups and a defensible decision. The incumbent process swivel-chaired between the claims core, the CRM and document stores — days per claim, with reasoning that lived in adjusters' heads and vanished at every handover.
Off-the-shelf AI tools had been piloted and abandoned: they couldn't see across systems, couldn't apply the insurer's own policies, and couldn't produce the audit trail a regulated business requires.
The approach
Connect — claims core, CRM, document store
Three sources connected with RBAC preserved; the brain answers each adjuster within their own permissions.
Structure — one graph of claims reality
Claimants, policies, vehicles, garages and history resolved into entities; the insurer's ontology defined and gated with their experts.
Reason — their policies, versioned
Eligibility and fraud-signal policies encoded as versioned artifacts; every decision ships with rationale.
Gate — named owners for exceptions
In-policy approvals flow straight through; exceptions route to named senior adjusters with full context.
Deliver — write-backs + operator dashboard
Decisions write back to the claims core; operations runs on a live queue-and-metrics console.
The results
Why it worked
The metric that matters: claims that took days now close in minutes — at lakhs of cases of scale, without surrendering judgment on the cases that need it. Human attention concentrated on genuine exceptions; automation absorbed the volume.
And the asset stayed: the ontology, skills and policies are the client's own Company Brain, now powering underwriting decisions and KYC beyond the original scope. That's the difference between buying a project and owning a capability.
Your function could be next.
Every case here started as one scoped conversation about one painful workflow.