Read the full storyBevaya’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.
AI Agent · UNDERWRITING
Meet your AI Agent for Loss Run Processing.
Every loss run read and standardized. Every total calculated. Every large loss surfaced. Your underwriters get a quote-ready loss history view in minutes.
| Claimant | Claim # | Date | Total |
|---|---|---|---|
| SMITH OMAR | ZZZ3815 | 04/05/2018 | $2,364 |
| SMITH ALAAN | ZZZ9327 | 07/10/2018 | $698 |
| SMITH AIDA | ZZZ1661 | 05/22/2018 | $711 |
| SMITH ARMANDO | ZZZ1505 | 04/25/2018 | $389 |
| SMITH DON | ZZZ4689 | 10/25/2018 | $0 |
Trusted by leading P&C carriers, brokers, and TPAs
The loss run bottleneck
Loss history is the foundation of the quote — and it's still read by hand.
Every carrier formats their loss run differently.
Hundreds of formats. PDFs, Excels, scanned images, TPA exports — each carrier presents reserves, recoveries, and ALAE differently. Your team re-learns them every renewal.
Underwriters spend 40% of their time on manual review.
Reading multi-year histories. Re-keying claim counts. Calculating total incurred by hand. The work underwriters were never hired to do — and the work that pushes quotes from hours into days.
Bad loss run data leads to mispriced risk.
Miss a large open claim. Miss the difference between gross and net of recoveries. The cost shows up later — in the loss ratio, not the quote.
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.
DATE
Production results
Built for the underwriting desk.
99% straight-through processing and 246% ROI in just 6 months.
Fortune 500 Carrier Property & Casualty
We evaluated six AI vendors. Bevaya was the only one that understood our underwriting workflows from day one — no six-month education period.
Chief Underwriting Officer Specialty Carrier · $2B+ GDP
The confidence scoring changed everything. Our reviewers know exactly which items need attention and which can go straight through. We trust it.
Director of Operations Workers’ Compensation Insurer · 74 NSP
Cut COI turnaround from 24 hours to minutes and saved millions.
Top-5 Broker National
THE ENGINE INSIDE
InsurGPT™ reads loss runs the way your best underwriters do.
A mosaic of specialized models trained on 300M+ real insurance documents. The loss run model alone took seven months of expert annotation before it reached production.
Built for loss-run math
Loss runs aren't documents — they're tables of money. InsurGPT™ reads them like an underwriter: roll up incurred when components are listed separately, normalize across carrier formats, and surface the numbers that actually drive the quote.
Insurance Math Built In | Calculated
Calculates total incurred when paid, reserves, and expenses are listed separately. Rolls up frequency and severity by policy period and coverage line so the underwriter sees the shape of the loss history, not just the raw rows.
Confidence Scoring on Every Field | Scored
Every extracted value carries a calibrated confidence score. Low-confidence items route to human review automatically — no silent guesses make it to the underwriter or into the rating engine.
X-Ray Mode Traceability | Traceable
Every extracted number is linked back to its exact location in the source document. Reviewers click a value and jump to the cell, page, and coordinates it came from — verification in seconds, not minutes.
Trained on insurance, not the internet
InsurGPT™ isn't a general model with an insurance prompt on top. It's an ensemble of specialized models trained on 300M+ non-public insurance documents — loss runs, ACORDs, SOVs, schedules — across dozens of carrier-specific formats.
Domain-Native Corpus | Insurance-only
300M+ non-public insurance documents in the training set — loss runs, ACORD forms, SOVs, schedules of values, and carrier exports — not scraped web text dressed up for the industry.
Carrier-Format Fluency | Multi-format
Reads loss runs from dozens of carrier templates without per-carrier configuration. Field names, column orders, and footnote conventions are recognized automatically across the long tail of formats.
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.
Built for the underwriting desk
Extraction is the start, not the finish. The output lands inside the underwriter's existing workflow — structured, reviewable, and ready for the rating engine — with the audit trail intact.
Structured Output | Quote-ready
Delivers loss-run data as clean structured records mapped to your schema. Drops straight into the rating engine, the submission system, or the underwriter's worksheet without a re-keying pass.
Human-in-the-Loop Review | Reviewable
Low-confidence fields and edge-case formats route to a reviewer queue with the source document pre-anchored to the cell in question. Reviewers correct, approve, and move on.
Full Audit Trail | Auditable
Every value, every confidence score, every reviewer action is logged with a timestamp and a link to the source artifact. Compliance and reinsurance audits run against a complete provenance chain.
What It Does
Built for loss runs.
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.
(Outlook)
Bevaya
Intelligence + orchestration layer for insurance workflows
Industries
Claims
Alerts
Alerts
MORE AI AGENTS FOR UNDERWRITING
Build the full underwriting AI program.
Underwriting Automation Overview
End-to-end automation across the underwriting lifecycle — from submission intake through quote, bind, and renewal.
UnderwritingSubmission Intake
Monitors broker inboxes, classifies submissions, extracts data from ACORDs and supplementals, and populates underwriting systems automatically.
UnderwritingLoss Run Processing
Extracts and normalizes loss data across carriers, identifies trends, and produces structured loss histories ready for underwriting review.
UnderwritingSchedules & SOV Extraction
Reads Statement of Values spreadsheets and property schedules in any format, normalizes the data, and delivers clean structured exposure data.
UnderwritingACORD Form Extraction
Extracts data from all ACORD forms, validates fields against carrier rules, and pushes clean structured data into underwriting systems.
UnderwritingPolicy Renewal Handling
Pulls expiring policy data, refreshes exposures and loss runs, and assembles a complete renewal package for the underwriter.
UnderwritingPolicy to Policy Comparison
Compares expiring and renewal policy terms, flags coverage and limit changes, and surfaces material differences for underwriter review.
UnderwritingClaims Automation Overview
End-to-end automation across the claims lifecycle — from FNOL through investigation, settlement, and payment.
ClaimsFNOL / 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.
ClaimsClaim to Policy Comparison
Compares loss details against policy terms to surface coverage, exclusions, and obligations before the adjuster makes a call.
ClaimsClaim Indexing
Classifies, indexes, and routes claims documents to the right adjuster or team. Handles hundreds of document categories with up to 99% STP.
ClaimsLegal Demands Identification & Extraction
Reads demand letters and legal correspondence, extracts allegations, damages, and deadlines, and routes them with full context to the claims team.
ClaimsMedical 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.
ClaimsInvoice Payment Processing
Processes vendor and provider invoices against claim files, validates against authorized services, and routes for payment approval automatically.
ClaimsClaim File Summarization
Reads complex claim files and produces role-specific summaries. Key details, timelines, and action items surfaced for the adjuster.
ClaimsPolicy Servicing Automation Overview
End-to-end automation across policy servicing — from endorsements and certificates through billing inquiries and audits.
Policy ServicingEndorsement Processing
Reads endorsement requests, validates against the policy, drafts the change, and routes it for approval and issuance.
Policy ServicingCOI Creation
Generates Certificates of Insurance from policy data, validates additional insured language, and delivers certificates to brokers and insureds automatically.
Policy ServicingPremium Audit Processing
Classifies audit documents, extracts payroll and classification data, populates systems, and requests missing information from policyholders.
Policy ServicingCustom 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

Research
Page stream segmentation with LLMs
How Bevaya Labs approaches a foundational problem in insurance document AI.

Case Study
Workers' comp carrier processes claims 100x faster
How indexing automation delivered 432% ROI in 12 months.

Architecture
Inside the Bevaya platform architecture
How specialized models, HITL controls, and integrations come together in production.
FAQ
Common questions from underwriting leaders.
Loss run processing is the work of extracting and standardizing claims history data — premium, paid losses, reserves, recoveries, total incurred — from carrier-issued loss run reports so underwriters can price new business and renewals accurately. Bevaya's AI Agent automates the entire workflow, from intake through standardized output.
Hundreds. The model was trained on real loss runs from every major P&C carrier and TPA, across every line of business. It handles carrier-issued PDFs, TPA outputs, broker-compiled summaries, scanned images, and Excel — without per-carrier configuration.
Over 20 standard fields per claim: policy number and period, claim number, date of loss, claimant, status, paid losses, case and ALAE reserves, recoveries, and total incurred. InsurGPT™ calculates total incurred when components are listed separately and rolls up frequency and severity by policy period.
Production deployments run at 99.5% accuracy on policy-level data and 95%+ on claim-level data, with 91%+ maintained across every carrier format. Every field carries a confidence score, and X-Ray Mode links every extracted value back to its exact location in the source document for instant verification.
No. The Agent reads, extracts, standardizes, and analyzes loss history. It surfaces loss drivers, frequency trends, large losses, and exceptions. Your underwriter still owns the price, the terms, and the bind decision. Decision support — not a decision.
Yes. The Agent uses GutenOCR — Bevaya's proprietary grounded OCR — for messy, multi-format documents that generic OCR tools fail on. Scanned image PDFs and faxed loss runs are read and extracted the same way as digital ones, with the source location preserved for every field.
Yes. Every action is logged with immutable timestamps. Every extracted field carries a confidence score and X-Ray Mode linking back to the source document. The full extraction and analysis trail is recoverable, defensible, and exportable for regulators and reinsurers.
Weeks, not months. Loss Run Processing ships as a pre-configured workflow on the Bevaya Canvas, powered by InsurGPT™ models that are already trained. Implementation focuses on connecting your intake channels, mapping your standard schema, and tuning to your downstream systems — not building from scratch.
Generic IDP reads text and fills fields. InsurGPT™ understands loss runs as insurance documents — it knows that "case reserves," "indemnity reserves," and "indemnity case" can mean the same thing across carrier formats, and that ALAE may or may not be included in total incurred depending on the carrier. The math, the terminology, and the reconciliation are baked into the model.
GET STARTED
See 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.












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