Claims Workflows

From first notice to the next decision, with the evidence in hand.

Claim documents arrive by email, as attachments, scans and spreadsheets, and they keep arriving for years. Navi takes each one in, keeps the claim record current, checks what's new against the wording and your rules, and prepares the next step for your handler to approve.

Book a demoSee Claims Intelligence

For complex casualty, property/BI and financial lines claims

Incoming claim documents become one organised claim, and Navi prepares the next step for the handler

Where the time goes

On a complex file, the admin comes before the judgement

Rereading to catch upEvery new report means going back through the file to work out what it changes, and whether it changes the reserve or the coverage position.

Keeping every party in stepInsurers, co-insurers, reinsurers, brokers, adjusters, lawyers and experts all add to the file, often in different countries. Tracking who said what, and what's still outstanding, falls to the handler.

Chasing and referring by handInformation requests, insurer reports and referrals get written from scratch, and the evidence has to be found again each time.

Keying in the notificationFirst notice comes as an email chain, a broker's loss notice and a scanned form. Someone has to turn that into a claim record before anyone can assess it.

How it works

One claim, from the first email to the next review

Navi works on the documents your handlers already receive. Each step leaves a record, and each point links back to its source.

  1. 01Intake and first-notice summary

    Turn incoming documents into a claim record

    Forward the notification to Navi or upload the documents. Navi reads emails, attachments, scans and spreadsheets, pulls out the claim details and fills your standard claim format. It also writes a first-notice summary for the handler, and the record is ready to export or send to your team.

    More on intake
    Incoming documents and email connected to one organised claim file
  2. 02What changed on the file

    See what moved since the last review

    Each new report, letter or invoice is added to the claim and read against what's already on the file. The chronology, parties and reported figures stay current.

    Open the file and start with what moved: a new claimant, a revised costs estimate, a shift in liability or coverage, a change in quantum or reserves, conflicting expert views, a document that's still missing or an action still outstanding. Each point links to its page.

    More on what changed on the file
    New source evidence connected to Navi for review
  3. 03Coverage check

    Test new facts against the wording

    As new facts come in, Navi checks the date, location, parties and cause of loss against the wording, endorsements and exclusions, and flags where cover may be in question, citing the clause. The coverage position stays with your handler.

    More on coverage checks
    A new document checked against the policy wording, with a question on cover flagged
  4. 04Insurer reports and updates

    Report to each insurer from the file

    Navi drafts the periodic report to each insurer client in their format, with every figure linked to its page. Your handler checks the draft before it's sent.

    More on insurer reports
    Navi sends a follow-up email based on the reviewed claim evidence
  5. 05Escalation and follow-ups

    Escalate what meets your criteria, and keep track

    Set the escalation criteria your team already works to, such as a reserve movement above a threshold, a new jurisdiction or a coverage question. Navi flags the files that meet them and drafts the referral with the relevant pages attached. It also drafts information requests and follow-ups for your handler to approve, then keeps track of what's still outstanding.

    More on escalation and follow-ups
    Escalation criteria run as a workflow and a referral email is sent with the evidence

What your handlers get

Every claim prepared for the next decision

Who it's for

Built for the teams that work complex claims

CarriersHandlers start each review from what changed, and referrals reach the claims committee with the evidence already attached.

TPAs and loss adjustersAdjusters spend less time rebuilding files and writing reports, and your reporting to insurer clients is easier to stand behind.

See a complex claim worked end to end

We'll follow a multi-country product liability claim from the first notification through the documents that arrive later, and show what Navi flagged and drafted for the handler to approve at each step. Then we'll scope a pilot on your own files.

Book a demo

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