Claims Intelligence
See what's moving across your claims book while there's still time to act.
Bordereaux, loss runs and system extracts show the numbers. The reasons sit in thousands of reports, letters and expert opinions. Claims Intelligence connects the two, so you can see which claims are deteriorating, why, and where it says so.
Decision intelligence for heads of claims, technical claims, reserving and portfolio teams, across complex casualty, property/BI and financial lines claims
Across the book
The questions you ask every week, answered with evidence
Which open claims changed materially since the last review?
A ranked list of files with new claimants, revised estimates or conflicting evidence, each change linked to its source.
Where are reserves and defence costs moving faster than expected?
Movements across the book, set against what the reports and counsel's estimates say.
What do these claims have in common?
Patterns across files that share a product, insured, jurisdiction or panel firm.
Which files need a decision or an escalation?
Claims that meet your escalation criteria, with the evidence ready for the claims committee.
Do the bordereau figures match the claim files?
Reported paid, outstanding and incurred figures reconciled against the documents, with differences flagged.
Which claims are showing early signs of severity?
Large-loss indicators such as new claimants, upgraded injuries and rising expert estimates, flagged between reviews.
Where teams use it
How claims teams use Claims Intelligence
Keep the whole book in view between reviews
Every claim worked in Claims Workflows feeds the portfolio view. Claims leaders see material changes, adverse development and unusual reserve movements as they happen, and can go from any figure to the claim and the page behind it.
- Review lists ranked by what changed
- Earlier sight of large-loss and reserve movements
See where they've drifted from the documents
Counsel's estimates, adjusters' reports and expert fees move faster than the reserve sheet. Navi compares the figures in the documents with the reserves you hold and shows where they've drifted apart across the book. Setting the reserve stays with your team.
- Reserve and cost movements across open claims
- Gaps between document figures and reserves held
See behind the bordereau
Carriers overseeing delegated claims, reinsurers and claims auditors can check reported claims against the underlying files, see where the figures and the evidence disagree, and focus their reviews on the files that changed.
- Reported figures checked against the claim files
- Questions for the TPA or cedant, with the pages attached
Bring what the claims say back to underwriting
The reasons behind your losses sit in claim files: a component that keeps failing, a clause that gets tested, an insured with a pattern. Navi finds those patterns across the book and puts them in front of your underwriters before renewal.
- Patterns across claims by product, insured, broker or jurisdiction
- Developing claims flagged ahead of renewal
Know what's in a claims portfolio before you take it on
Before acquiring a book, writing a loss portfolio transfer or taking on run-off, standardise the loss runs, bordereaux and claim files, reconcile the figures and find the claims where the files tell a different story from the data.
- Reconciled figures, with exceptions to investigate
- A diligence pack with evidence and open questions
How it works
From documents to a decision in three steps
Bring the book together
Load claims system extracts, bordereaux, loss runs and claim files in whatever format they arrive. Navi standardises them into one set of claim records, even across thousands of claims.
Connect each figure to its evidence
Every claim's figures link to the reports, letters and wording behind them. Where the data and the documents disagree, Navi flags it.
Investigate and decide
Start from the portfolio view, open the claim, check the source page and decide what happens next. The handler working the claim sees the same evidence.
“Parsewise surfaces material claims risk earlier, which directly protects our combined ratio.”
Compre Group · Legacy & Run-off Specialist · Portfolio acquisition diligence and claims reconciliation
See Claims Intelligence on a casualty book
We'll build a portfolio view from claim files and bordereaux, then follow one material change as it moves a claim up the review list. Every figure traces back to its source. Then we'll scope a pilot on your own files.
Book a demoHosted in Europe · SOC 2 Type II · GDPR compliant