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- Part of the Insight broker suite — InsightAdvocate · InsightPlacement · InsightProofing
AI-first claims advocacy for brokers
Your client’s side of every claim, read against the wording
InsightAdvocate maps every position in a carrier’s letter to the clause it relies on, counts the carrier’s clocks and computes what the claim is worth on the record. Ten agents prepare the notices, rebuttals and recommendations; your advocates decide what is sent.
$9.6Mclaimed on five open claims
$8.5Mof it in dispute with carriers
7carrier clocks breached, counted
10agents, every one capped at ask first
Illustrative: figures from the demo book — invented clients, carriers and wordings.
Built for the claims a broker’s practice actually fights
Property & time element
General liability
Umbrella & excess towers
Cyber
Crime
Directors & officers
Employment practices
Product recall
Commercial auto
Proof, not promises
Three screens from the demo book, as they are
One illustrative water-damage claim: a partial denial, four carrier positions and a carrier that missed its clocks. This is what the agents prepared, for a person to send.
A rebuttal that quotes the wording
Each weak or unsupported position answered from the clause it cites, drafted for the advocate to send.
A floor, not halfway
Counter at $2.35M, don’t settle below $1.97M — against the carrier’s $655K, line by line from the loss schedule.
An escalation with its count
Three commitments breached, each with its due date and days over: the facts behind the escalation, numbered.
The problem
The carrier’s letter is an argument. Most of it goes unread
An advocate holds thirty files. The misses are quiet, and every one is the client’s money.
Notice
The other-line deadline
The general liability policy, with a shorter condition, passes its deadline while everyone watches property.
Coverage
The carve-back nobody read
An exclusion that gives the coverage back, a sublimit applied to the whole loss, an endorsement never issued.
Clocks
Late on everything
A carrier that misses every commitment looks merely slow when nobody is counting.
Settlement
Splitting the difference
The number should come from the loss schedule and each position’s strength, not from halfway.
The product
Every part of a disputed claim, on one record
Engines compute every figure and assessment with its source. Agents prepare the work. A person decides.
Notice deadlines
Each policy’s notice condition read from its wording; the deadline counted from when the client knew.
Learn moreCoverage positions
Every position in the carrier’s letter beside the clause it cites: supported, weak or not in the policy.
Learn moreOther insurance
Other lines the facts bring in, the excess layers the exposure reaches, the prior claims-made year.
Learn moreCarrier clocks
Service-agreement and illustrative regulatory clocks, breaches counted, the next rung of the ladder.
Learn moreProof of loss
What the carrier asked for, who owes it and what is late — and the request to the client, drafted.
Learn moreSettlement floor
Claimed, accepted and disputed per loss item, each weighted by how the carrier’s position reads.
Learn moreDecision record
Every control that fired and every answer a person gave, replayable for an E&O review.
Learn moreRules Studio
Practice standards as claim controls a leader can read, test against a real claim and publish.
Learn more
How it works
From the carrier’s letter to a decision on the record
Press Analyze on a claim. Every step after it is something you can open and check.
1
The claim record
Policies and clauses, the carrier’s letters read into positions, the timeline, the loss schedule.
2
Engines compute
Notice, coverage, other insurance, SLA, settlement: every figure and assessment, cited.
3AI
Agents reason
Ten agents read the engines’ numbered facts and say what each one points to.
4
Grounding check
An answer with a number not in the facts is thrown away; the engine’s finding stands.
5AI
Prepared
Notices, rebuttal, escalation, document request, floor, client update — each with its draft.
6
A person decides
Accept, reject or ask; signed on the decision record. Sends are dry runs today.
Model switched off, or it fails: the engines’ findings are prepared in the same shape, marked “From the engines”.
The engines compute; the model explains. No agent sends anything to a carrier or a client.
The Claim Workspace
One page per client claim, with the agents’ work on top
Agents, Notice, Coverage, Program, Timeline & SLA, Advocacy and Settlement — seven zones, from intake to the recommendation.
The agents
Ten claims-advocacy agents, each with one job and a hard limit
Every action is capped at ask first: what goes to a carrier or a client is a person’s call.
Notice checker
Each policy’s notice condition and deadline. Drafts the notices.
Coverage position analyst
Every carrier position mapped to the wording; the grants left unaddressed.
Other-insurance finder
Other lines, excess layers reached, the prior claims-made year.
Carrier SLA monitor
The carrier’s clocks and ladder. Drafts the escalation.
Proof-of-loss coordinator
What was asked, who owes it, what is late. Drafts the request.
Rebuttal drafter
Answers weak and unsupported positions, quoting the wording.
Never invents an argumentSettlement evaluator
Counter, floor and the carrier’s position, from the loss schedule.
Never invents an amountClient update writer
The client’s status update, from the record.
Loss-trend analyst
Five years of loss runs into a brief for the placement team.
Supervisor agent
Runs the claim controls; prepares the leader’s sign-off.
Prepares; never decides
From the blog
Worked examples
Client claims on the illustrative book, followed end to end with the screens and what the engines cited.
Property
Water damage: four carrier positions, four answers
A burst sprinkler main, a partial denial, and $1.3M the wording says should come back.
Read article
Notice
A kitchen fire and the notice nobody sent
Two policies, two notice conditions, and one deadline already gone.
Read article
D&O
A D&O denial: prior knowledge, late notice and the prior year
One position holds, one doesn’t, and the grant the letter skipped.
Read article
The Insight suite
The broker’s side, on the same platform as the carrier’s
Beside InsightPlacement and InsightProofing in the broker suite, on the platform that runs InsightCW and InsightUW for carriers.
InsightPlacement
The loss story into the renewal
The loss-trend analyst briefs the placement team when a client with an open claim renews.
InsightPlacementInsightProofing
The policy as issued
Policy checking on the broker side: the wording the coverage engine reads against.
InsightCW
The carrier’s side
The carrier’s claims workbench: cited figures, ask first and a decision record, across the table.
InsightCWInsightXtract
Letters into positions
Carrier letters read into positions. Today a stand-in reader does it, and the screens say so.