Solutions · Insurance

Agentic AI for Insurance

Claims and underwriting are where an insurer's cost base lives — and where agentic AI pays off first. BlackGrid grounds every agent in current policy, claim, and customer data, keeps adjusters and underwriters on the consequential calls, and logs every decision so straight-through processing expands on evidence, not hope.

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Why it's hard today

The blockers between pilots and production.

Policy data everywhere

Coverage truth lives across policy admin, claims platforms, documents, and emails — agents that can't see it verify nothing.

Fairness obligations

Declinations and pricing must be explainable and testable for unfair discrimination — a black box is a regulatory liability.

STP without proof

Widening straight-through settlement without trajectory-level evidence is how automation turns into complaints and rework.

Where agents pay off

Insurance workflows, worked end to end.

Claims, FNOL to settlement

Intake across channels, coverage verification against the actual policy, reserving, and straight-through settlement for simple losses.

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Underwriting & STP

Submission intake, third-party enrichment, appetite and rules, and a priced indication — referrals only where judgment is needed.

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Claims fraud & SIU referral

Cross-reference related claims and claimants, assemble the investigation package, and route it to your SIU with the evidence attached.

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Policy servicing

Endorsements, renewals, cancellations, and certificates — high-volume transactions under supervised automation.

Built for your regulators

Governance is the product, not the paperwork.

Insurance AI answers to the states: the NAIC AI Model Bulletin (adopted across a growing number of states) expects a written AI program, governance, vendor diligence, and unfair-discrimination testing — and in the EU, life and health pricing sits in the AI Act's high-risk tier. BlackGrid's grounding, oversight, and audit trail are built for exactly that posture.

Under every workflow sits the same foundation: one governed context layer feeding every agent, human checkpoints on consequential actions, and a complete audit trail on everything. See how the layer works.

Frequently asked questions

Is straight-through settlement safe to automate?

For low-complexity, high-frequency losses, yes — when coverage verification is grounded in the actual policy, communication is clear, disputed claims escalate to an adjuster, and every decision is logged. BlackGrid widens STP from evaluation evidence, not optimism.

How do you handle our policy and claims systems?

BlackGrid connects to policy admin, claims, CRM, and document systems and resolves them into one permissioned context layer. Agents verify coverage against current policy language rather than stale extracts.

Where should a carrier start?

FNOL intake and claims triage, or submission intake in underwriting — high volume, human already in the loop, fast time-to-evidence. Expand autonomy line by line as the data supports it.

Bring us a real insurance workflow.

We'll show it grounded, supervised, and auditable end to end.

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