For Insurance & Risk
AI for Insurance Underwriting & Claims
Who it is for
- Lloyd's syndicates
- MGAs
- Reinsurers
- Commercial insurers
- Claims TPAs
- Brokers
Underwriting and claims data with its source attached
Problem and approach
Where insurance teams lose time today
- Policy review for coverage gaps and exclusions takes underwriters hours per submission
- Claims documentation extraction is manual and error-prone under volume
- Underwriting risk assessments depend on unstructured broker notes and reports
- Reinsurance treaty analysis requires lawyer-level review of dense legal text
- Audit trail requirements add hours to every claim decision
What DataStruct does
- Policy term extraction with coverage limit and exclusion mapping
- Claims evidence extraction with structured output and review routing
- Broker submission analysis (loss runs, surveys, financial statements)
- Risk language detection and exception flagging across document sets
- Regulatory compliance rule packs with source-linked evidence trails
Use cases
Insurance use cases
Underwriting Automation
Underwriters spend hours per submission reading broker packs, loss runs, and risk surveys.
Extract risk indicators, financial metrics, and key exposures with confidence scores and source links.
Claims Processing
Claims teams drown in adjuster reports, correspondence, and FNOLs with tight deadlines.
Extract claim facts and coverage terms with source links, and route items to a reviewer for decision.
Reinsurance Treaty Analysis
Treaty wordings are dense legal documents; extracting recoverable terms across treaties is painful.
Clause and obligation extraction across treaties, each linked to its source, for side-by-side review.
Regulatory Reporting
Solvency II, NAIC, and PRA reporting requires traceable evidence for every disclosure.
Metrics link back to the cited source documents, with timestamps, for human review.
Documents and questions
What insurance teams bring, and ask
Documents it reads
- Insurance Policies
- Claims Documents
- Broker Submissions
- Loss Runs
- FNOL
- Underwriting Reports
- Reinsurance Treaties
- Survey Reports
Questions you can ask
- “What exclusions apply to this policy?”
- “Extract all coverage limits and sub-limits”
- “Compare deductible structures across the portfolio”
- “Identify subrogation provisions”
- “Summarise claims history from this loss run”
How findings read
The same evidence model in every sector
Answers cite the sources they rely on. Records DataStruct could not confirm are shown separately for a reviewer to check, related material is kept apart from evidence, and a finding with no support says so. Access is controlled by workspace roles, and sensitive actions are audit logged.