For carriers, MGAs, brokers, agencies, and InsurTech

AI for insurance — FNOL, policy service, underwriting triage. 24/7. NAIC-aligned.

Claims intake is where loyalty is won or lost. Claire takes first notice of loss in 30 seconds, captures the facts that drive coverage, escalates the high-severity claims, and routes policy service so adjusters do adjusting. Built for NAIC AI Model Bulletin compliance.

  • FNOL intake in 30 seconds — fact-driven, line-aware
  • Policy service calls handled in-call (endorsements, cancellations, certs)
  • Underwriting triage on inbound submissions
  • Aligned to NAIC Model Bulletin on AI in Insurance
  • Integrates with Guidewire, Duck Creek, Sapiens, BriteCore
  • English + Spanish native
NAIC Model Bulletin Guidewire / Duck Creek 24/7 FNOL SOC 2 Type II controls

See Claire on your insurance workflow.

30 minutes. Real FNOL, policy, or UW workflow. Real numbers.

We respond within one business day. No sales pressure.

Insurance AI fails on compliance, then on capability

NAIC and state DOIs are watching. Generic LLMs cannot pass insurance regulator review.

14 min
Avg FNOL hold time at top-30 carriers

14 minutes on hold is the worst moment of a customer's year. Claire picks up in 1 ring.

4×
Service rep cost vs. AI on policy service calls

Endorsements, cancellations, certs — repetitive work. Claire handles 70%+ in-call.

6 days
Avg underwriting submission triage at mid-size MGAs

Submission delay is the #1 reason brokers route business elsewhere. Claire triages in minutes.

How Claire works in insurance

Line-aware. NAIC-aligned. Producer-respected.

1

Picks up + identifies

FNOL claimant, policyholder service request, broker submission, agent service. Routed by intent + line of business.

2

Captures facts + orchestrates

FNOL: fact pattern, parties, severity, coverage trigger. Policy: endorsement, cancellation, cert request. UW: submission triage.

3

Escalates with documentation

High-severity claims, coverage disputes, complex UW — escalated with full call summary and structured data.

What Claire handles in insurance

FNOL (claims intake)

Auto, property, GL, WC, professional. Fact-driven, line-aware, severity-scored. Routes high-severity to adjusters fast.

Policy service

Endorsements, cancellations, certificates of insurance, renewal questions, payment plans. 70%+ resolved in-call.

Underwriting triage

Submission intake, risk pre-screening, missing-info follow-up. UW gets clean, prioritized submissions.

Producer support

Agent + broker questions on appetite, pricing, status. 24/7 — even when the underwriter is on vacation.

Renewal outreach

Proactive renewal calls. Rate change explanation. Cross-sell on appropriate accounts.

Multilingual claims

Spanish, Mandarin, Vietnamese, Tagalog. Critical for personal lines in most US markets.

Built for the NAIC AI Model Bulletin.

Governance, risk management, transparency. State DOI documentation. Adverse-decision controls.

NAIC Model Bulletin on AI
State DOI bulletins (NY, CA, CO)
Adverse decision human-in-loop
SOC 2 Type II controls
PII minimum-necessary
7-year audit trail
AI receptionist overview → Financial services AI → Security architecture →

Frequently asked questions

Is this NAIC Model Bulletin compliant?
Yes. Claire ships with governance documentation, risk management framework, transparency disclosures, and adverse-decision human-in-loop. State DOI bulletins (NY, CA, CO, NJ) supported.
Does Claire decide claims?
No. Claire takes FNOL and captures facts. Coverage decisions and claim disposition stay with human adjusters. Claire never declines a claim or affirms coverage on its own.
What about adverse underwriting decisions?
Adverse decisions are human-in-loop by default. Claire surfaces information and supports the underwriter — but never declines coverage autonomously.
Does it integrate with our policy admin system?
Yes. Guidewire (PolicyCenter, ClaimCenter, BillingCenter), Duck Creek (Policy, Billing, Claims), Sapiens, BriteCore, Insurity. REST + ACORD for custom integrations.
Can it handle Spanish FNOL?
Natively. Plus Mandarin, Vietnamese, Tagalog, Russian. Tuned with insurance vocabulary per language.
What does it cost?
Per seat + claim/call volume tier. Pricing depends on lines of business covered, integration scope, and language coverage. Quote within 24h.

Pick up the FNOL in 1 ring.

30-minute demo. Real claims, policy service, or UW workflow. Real numbers.

Book a demo AI receptionist (overview)