Insurance – Regional P&C Carrier: FNOL & Triage Automation AI

Industry: P&C insurance. Complexity: multi-peril policies.

Manual FNOL, slow triage, vendor latency.

FNOL Agent, Fraud Agent, Routing Agent, Vendor Agent.

1. Loss reported.
2. AI structures claim.
3. Fraud score.
4. Route to adjuster.
5. Mitigation dispatch.
6. Customer updates.
7. Continuous scoring.

Intake Agent, Score Agent, Dispatch Agent.

Core system adapters, policy rules, LLM for narratives.

Guidewire ecosystem, PostgreSQL, OpenAI, Twilio, vendor networks

FNOL-to-adjuster assignment time −61%; straight-through processing +19%; fraud referral precision +33%; customer NPS +17.

Build: 14 weeks. Deploy: line-of-business waves. Optimization: continuous fraud model.