Case Study
F100 P&C Insurer
Claims Operations
A top-five property and casualty carrier was processing millions of claims a year across 14 systems and 200+ adjusters. AIOS replaced nine siloed automations with one cognitive core that learns from every claim it touches.
- Client
- Top-5 P&C carrier
- Vertical
- F100 P&C Insurer
- Category
- Claims Operations
- Timeframe
- 14 weeks to production
Impact
73%
Touchless FNOL intake
4.2×
Faster adjuster cycle time
$180M
Projected annual savings
Challenge
Every claim moved through six tools and four handoffs before an adjuster could make a decision. Average cycle time was twelve days. Senior adjusters were carrying tribal knowledge that no rules engine had ever captured.
Existing automations covered the easy paths and brittled on edge cases. Each new product, jurisdiction, or regulatory change meant another bot, another integration, another thing to maintain.
Solution
AIOS Interviewer ran structured sessions with senior adjusters to capture jurisdictional heuristics and reserve-setting logic. The Observer watched live FNOL workflows to fill in what the experts had stopped explaining out loud.
A single cognitive core then ran intake, triage, reserve-setting, and routing across the carrier's 14 systems. Default-deny policy enforced state-specific compliance. The audit ledger captured every decision in evidence-grade detail.
One cognitive core replaced nine siloed bots — and got better with every claim it ran.
“We stopped writing automation. We started encoding judgement.”
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