Claims Intake
Agents execute first notice of loss, coverage verification, document intake and fraud screening within the authority limits you define.
Insurance
Claims, underwriting and policy administration run as one governed system across every line of business.
Governed AI agents for claims and underwriting
Shorter claim cycle times
Systems run first notice of loss, coverage checks and adjuster assignment from intake to payment.
Consistent claim decisions
Agents apply your claims and underwriting guidelines to every file and escalate each exception for review.
Higher throughput per FTE
Agents absorb intake, coverage and document volume, so claims teams scale without added headcount.
- (01)
Claim preparation
Agents assemble the claim file from first notice of loss, verify coverage and propose an initial reserve for review.
- (02)
Underwriting triage
Each submission is scored against your risk appetite, and only risks that need judgment reach underwriters.
- (03)
Subrogation recovery
Agents identify liable third parties at intake and pursue recovery on every eligible claim, with each step logged.
The Instract platform for insurance
Claims, underwriting and policy administration run on one platform, with one rule set, one permission model and one audit trail across every line of business.
Underwriting Workbench
Applications triage submissions against risk appetite and refer them to underwriters by authority level.
Submission queue
12 open
- SUB-1182
- Bound
- SUB-1185
- Referred
- SUB-1190
- Declined
Reserve Governance
Systems record every reserve change with the adjuster, authority level and governing rule.
Reserve log
Today
- Reserve set, CLM-30418Coverage agent, rule RES-02
- Reserve increase requestedIntake agent, rule RES-05
- $8,400.00 increase approvedL. Brandt, claims, rule RES-11
NYDFS Cybersecurity
Systems map 23 NYCRR Part 500 to every application, enforce each control continuously and keep evidence ready for your examiners.
23 NYCRR Part 500
Export evidence, Q3 2026| Section | Requirement | Status |
|---|---|---|
| 500.7 | Access privileges | Enforced |
| 500.12 | Multi-factor authentication | Enforced |
| 500.15 | Encryption of nonpublic data | Enforced |
| 500.11 | Third party service providers | Due Oct 30 |
Why insurers choose Instract
Strategists and engineers work on site with your claims, underwriting and policy administration leaders. The agreed design reaches production within days, under your policies from day one.
Process mapping at your site
Strategists map every line of business on site and configure the system to your guidelines and authority levels.
Governance in each process
Delegation of authority, segregation of duties and audit logging are enforced in every workflow before it goes live.
Data and system ownership
The system runs on infrastructure you approve, your data stays yours and you can export every record at any time.
Built for insurers
Strategists begin on site with a single process, such as first notice of loss, and take it to production within days.
