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AI Agent · Claims

Meet your AI Agent for FNOL / FROI Setup

Every new loss notice and injury report arrives ready to work. Your Bevaya AI Agent identifies the claim, extracts the key facts, checks for duplicates and coverage, opens the file in your system, and lands an AI-written summary on the adjuster's desk — in minutes, not hours.

Trusted by leading P&C carriers, brokers, and TPAs
How your AI Workforce works

From inbox to system of record

Bevaya AI Agents read the work as it arrives, compare it against your guidelines,
recommend the next step, and act, all inside the systems your team already uses.

 
INTAKE INBOX
claims-intake@carrier.com — LIVE FEED
NEW
TODAY
47
FNOLs
 
JUST RECEIVED
FROM
broker@oakwood-ins.com
ACORD 1 + police report + 2 photos
DETECTED AS
New FNOL · Commercial Auto · NY
Confidence 0.97
ARRIVED
04/21/2026 09:14
ATTACHMENTS
4 files
CHANNEL
Email
QUEUED BEHIND IT
PORTAL SUBMISSION
Hernandez · Auto BI · PA
Picked up 09:11
SFTP DROP
Batch · 12 loss notices
Picked up 09:08
PRIORITY — INTAKE STATUTE TIMERS
NY 30-day acknowledgment clock starts at receipt
ISO claim search must complete before assignment
No new portals, inboxes, or tools required for the broker
Watching every channel
 
 
 
 
 
 
 
Extracting 16 fields · InsurGPT
COVERAGE VERIFICATION
BA-778421-06 · Confirmed
0.98
DUPLICATE CHECK
No duplicate found
0.99
BI SEVERITY
HI · Third-party BI + subrogation
0.94
INITIAL RESERVE
$95,000 (Med $60K · Prop $15K · Exp $20K)
0.96
ASSIGNMENT
Priya Venkatesh · Senior BI · NY metro
0.95
CITATION ISSUED
None at scene — pending
0.82
Activate Claim and Assign
 
 
Guidewire ClaimCenter
Claim created · CLM-2026-FNOL-4471
Parties & Coverages
Populated · BI and PD attached
Adjuster Assignment
Assigned · T. Reyes notified
AI Briefing & Ack Letter
Dropped into file · ISO reported
Opened · Assigned
Watches every intake channel
Email inboxes, portals, mailrooms, broker submissions, and SFTP feeds — picked up automatically
New loss notices detected and routed within seconds of arrival
No new tools for your team and no new portals for your insureds or brokers
Reads and classifies every document
Identifies the document as a new FNOL or FROI and classifies claim type, line of business, and jurisdiction
Extracts every key field with 0–1 confidence scoring on each value
X-Ray Mode traces every extracted field back to its exact source on the page
Verifies, scores, and recommends the next step
Looks up the policy, runs duplicate and coverage checks, computes an initial reserve
Surfaces missing data and routes exceptions to a human reviewer with X-Ray context
Recommends severity, reserve, and the right adjuster based on skill, jurisdiction, and capacity
Opens and assigns the claim end-to-end
Creates the claim in your system of record and populates parties, coverages, and reserves
Assigns the adjuster and drops an AI-written briefing into the file
Sends the acknowledgment letter to the claimant and reports to ISO — every action audit-logged
The intake unlock

What changes when intake stops being the bottleneck.

Reduction in manual claims setup intervention
90%
Data extraction accuracy
90%+
FNOL claims handled straight-through
70%+
FNOL claims processed monthly per deployment
10,000+
Bevaya — Case Studies Module

Bevaya’s AI agents reduced our claims indexing from 5 days to under an hour. The accuracy was better than our most experienced staff on day one.

Harry Talbert

Harry Talbert SVP of Information Systems · Eastern Alliance

Read the full story

99% straight-through processing and 246% ROI in just 6 months.

F5

Fortune 500 Carrier Property & Casualty

Read the full story

We evaluated six AI vendors. Bevaya was the only one that understood our underwriting workflows from day one — no six-month education period.

CU

Chief Underwriting Officer Specialty Carrier · $2B+ GDP

Read the full story

The confidence scoring changed everything. Our reviewers know exactly which items need attention and which can go straight through. We trust it.

DO

Director of Operations Workers’ Compensation Insurer · 74 NSP

Read the full story

Cut COI turnaround from 24 hours to minutes and saved millions.

T5

Top-5 Broker National

Read the full story
THE ENGINE INSIDE

Most AI summarizes one document.
InsurGPT™ understands the whole file.

Claims File Summarization is powered by InsurGPT™, Bevaya's mosaic of specialized models trained on 300M+ real insurance documents. Specialized models read each document type — medical bills, demands, ACORDs, policy forms.

Trained on insurance, not the internet

InsurGPT™ isn't a general-purpose model with an insurance prompt taped to the front. It's an ensemble of specialized AI models trained on 300M+ non-public insurance documents — ACORD forms, FROI/SROI, demand letters, police reports, mailroom scans — across dozens of carrier-specific formats.

Domain-Native Corpus | Insurance-only

300M+ non-public insurance documents in the training set — ACORD forms, FROI/SROI, demand letters, police reports, photos, and mailroom scans — not scraped web text dressed up for the industry.

Ensemble of Specialists | Multi-model

Dozens of specialized models, each tuned for a specific document type and extraction task. The right model reads the right artifact — not one generalist guessing at all of them.

Field-Level Confidence | Scored

Every extracted value ships with a calibrated confidence score so you know which fields are safe to auto-process and which deserve a second set of eyes.

Verifiable, not opaque

Black-box outputs don't survive an audit, a regulator, or a coverage dispute. X-Ray Mode shows the source document behind every value the model extracted — page, paragraph, coordinates. Auditable. Defensible. Reviewable in seconds.

X-Ray Mode | Traceable

Click any extracted value and jump straight to the exact page, paragraph, and X/Y coordinates in the source document where it came from — no scrolling through 40-page PDFs to verify.

Audit-Ready Trail | Defensible

Every decision, every extraction, every confidence score is logged with its source. When a regulator, auditor, or opposing counsel asks how a value was derived, the answer is one click away.

Human-in-the-Loop Routing | Reviewable

Confidence below threshold? The field routes to a human reviewer with the source context already attached. Above threshold? Straight-through to the claim system.

Continuously improving

Static models go stale. InsurGPT™ uses federated learning across every customer deployment — performance compounds over time as new document formats, edge cases, and carrier-specific quirks flow back into the ensemble.

Federated Learning | Networked

Every customer deployment contributes to model improvement without exposing private claim data. The network gets smarter together — your data stays yours.

Edge-Case Capture | Compounding

Unusual document formats, malformed forms, carrier-specific quirks — each one seen in production becomes training signal. Accuracy on the long tail goes up every quarter.

Production Feedback Loop | Live

Adjuster corrections in X-Ray Mode feed directly back into model tuning. The model you deploy on day one is not the model you'll be running in month six.

 
What It Does

What the FNOL / FROI Setup AI Agent can do

Monitors every intake channel — email, mailrooms, portals, and broker submissions, automatically.
Reads structured forms (ACORD, FROI, UB-04, CMS-1500) and unstructured documents (demand letters, photos, handwritten reports).
Extracts the key facts — claimant, date of loss, cause of loss, line of business, policy number, parties, and coverages.
Verifies policy is in force on the date of loss before anything else moves.
Runs duplicate-claim checks before opening a new file so the same loss never gets two claim numbers.
Flags missing or incomplete data and triggers follow-up automatically.
Creates the claim file in Guidewire, Salesforce, Duck Creek, or any system of record.
Generates an AI-written summary so the adjuster's first read is a real briefing, not a stack of PDFs.
Drafts the claimant acknowledgment letter for adjuster review and one-click send.
Runs 24/7 — work doesn't wait for business hours or CAT-season backlogs.
Routes each new claim to the right adjuster based on line of business, severity, and geography.
Cites every extracted field back to the source document so adjusters can verify in one click.
How it works

An AI layer that sits on top of your existing stack.

Bevaya orchestrates the tools your team already uses. Your stack stays in place. The intelligence layer over it.

01 Sources
Microsoft Outlook
Mailroom / SFTP
Custom API / IPA
02 Bevaya Platform
Bevaya

Bevaya

Intelligence + orchestration layer for insurance workflows

03 Destinations
Systems of record
Guidewire ClaimCenter
Salesforce Industries
Duck Creek Claims
Document management
Alerts
Slack
Microsoft Teams
MORE AI AGENTS FOR CLAIMS

FNOL is just the start of the claim lifecycle.

Underwriting Automation Overview

End-to-end automation across the underwriting lifecycle — from submission intake through quote, bind, and renewal.

Underwriting

Submission Intake

Monitors broker inboxes, classifies submissions, extracts data from ACORDs and supplementals, and populates underwriting systems automatically.

Underwriting

Loss Run Processing

Extracts and normalizes loss data across carriers, identifies trends, and produces structured loss histories ready for underwriting review.

Underwriting

Schedules & SOV Extraction

Reads Statement of Values spreadsheets and property schedules in any format, normalizes the data, and delivers clean structured exposure data.

Underwriting

ACORD Form Extraction

Extracts data from all ACORD forms, validates fields against carrier rules, and pushes clean structured data into underwriting systems.

Underwriting

Policy Renewal Handling

Pulls expiring policy data, refreshes exposures and loss runs, and assembles a complete renewal package for the underwriter.

Underwriting

Policy to Policy Comparison

Compares expiring and renewal policy terms, flags coverage and limit changes, and surfaces material differences for underwriter review.

Underwriting

Claims Automation Overview

End-to-end automation across the claims lifecycle — from FNOL through investigation, settlement, and payment.

Claims

FNOL / FROI Setup

Captures first notice of loss and first report of injury details from email, phone, or portal, structures the data, creates the claim file, and assigns it to the right adjuster.

Claims

Claim to Policy Comparison

Compares loss details against policy terms to surface coverage, exclusions, and obligations before the adjuster makes a call.

Claims

Claim Indexing

Classifies, indexes, and routes claims documents to the right adjuster or team. Handles hundreds of document categories with up to 99% STP.

Claims

Legal Demands Identification & Extraction

Reads demand letters and legal correspondence, extracts allegations, damages, and deadlines, and routes them with full context to the claims team.

Claims

Medical Bill Identification & Extraction

Reads medical bills and provider records, extracts CPT/ICD codes, charges, and dates of service, and links them to the claim for adjuster review.

Claims

Invoice Payment Processing

Processes vendor and provider invoices against claim files, validates against authorized services, and routes for payment approval automatically.

Claims

Claim File Summarization

Reads complex claim files and produces role-specific summaries. Key details, timelines, and action items surfaced for the adjuster.

Claims

Policy Servicing Automation Overview

End-to-end automation across policy servicing — from endorsements and certificates through billing inquiries and audits.

Policy Servicing

Endorsement Processing

Reads endorsement requests, validates against the policy, drafts the change, and routes it for approval and issuance.

Policy Servicing

COI Creation

Generates Certificates of Insurance from policy data, validates additional insured language, and delivers certificates to brokers and insureds automatically.

Policy Servicing

Premium Audit Processing

Classifies audit documents, extracts payroll and classification data, populates systems, and requests missing information from policyholders.

Policy Servicing
Custom AI Agents

Don't see the AI Agent you need?

Bevaya's platform extends to fit your operation. We can build a custom AI Agent for your specific underwriting workflow — trained on Bevaya's insurance-native AI and integrated with your systems.

Resources & insights

From the field and from the lab

Case Study - claims
Research

Page stream segmentation with LLMs

How Bevaya Labs approaches a foundational problem in insurance document AI.

Case Study - claims
Case Study

Workers' comp carrier processes claims 100x faster

How indexing automation delivered 432% ROI in 12 months.

2026.06.02-library-webinar-registration-how-to-establish-clear-ai-ownership-in-your-insurance-organization
Architecture

Inside the Bevaya platform architecture

How specialized models, HITL controls, and integrations come together in production.

FAQ

Frequently asked questions

Claims Indexing handles every document that lands in the file after a claim is open — classifying, routing, and tying documents to the right claim. FNOL/FROI Setup handles the moment before the claim exists: it identifies that a loss notice has arrived, extracts the key facts, checks for duplicates and coverage, and opens the claim file in the first place. Most carriers deploy Claims Indexing first, then FNOL/FROI Setup — same data, same workflow, extended value across the lifecycle.

Yes. The Agent processes First Reports of Injury for workers' compensation alongside First Notice of Loss for P&C lines. It reads FROI and SROI forms across jurisdictions, extracts injury-specific fields — body part, nature of injury, date of injury, employer details, treating provider — and routes to your workers' comp claims system. EDI submission to state regulators can be triggered from the same workflow.

No. The Agent performs an advisory coverage and eligibility check — confirming the policy is active on the date of loss, surfacing relevant coverages and exclusions, flagging inconsistencies for review. The adjudication decision stays with your adjuster. Every recommendation is traceable to the source document via X-Ray Mode.

Structured forms — ACORD claim forms, FROI/SROI, UB-04, CMS-1500 — and unstructured documents — demand letters, broker emails, mailroom scans, photos of handwritten reports, free-form correspondence. InsurGPT™ adapts to your carrier-specific forms through the platform's continuous learning loop.

Minutes, not hours. From the moment a loss notice arrives in your inbox or portal, the Agent reads it, runs the checks, opens the file, and assigns the adjuster — typically end-to-end in under five minutes for clean submissions and under two minutes of human review for exceptions.

The Agent runs 24/7 and scales without temp labor. When intake volume jumps 5x or 10x overnight, the Agent absorbs the spike — no queue, no SLA breach, no last-minute BPO contracts. Your existing claims team focuses on the higher-stakes early actions on each file.

Inbound: Outlook, online portals, mailrooms, SFTP, custom IPA, any source via API. Outbound: Guidewire ClaimCenter (with dedicated Create/Search/Update Claim nodes), Salesforce, TPA platforms, custom claims systems. No rip-and-replace.

Yes. Every step in every run is logged — actor, action, resource, timestamp — and entries are immutable. Every extracted field carries a confidence score and X-Ray Mode showing where it came from in the source document.

Weeks, not months. FNOL/FROI Setup ships as a pre-configured workflow on the Bevaya Canvas, powered by InsurGPT™ models that are already trained. Implementation focuses on connecting your channels, mapping your routing rules, and tuning to your forms — not building from scratch.

GET STARTED

Ready to design, deploy, and govern your AI workforce?

Bevaya AI Agents can help you triage, analyze, and recommend across underwriting, claims, and policy servicing. Let's connect and show you how it works.