The AI operations layer
for your book of business.
Put a team of agents on yourFNOL intake.
Rach.Dev runs claims & quote intake, coverage triage, FNOL documentation, renewals and fraud/lapse monitoring across the systems you already use — with a licensed adjuster or producer in the loop on every coverage decision, and a full audit trail on every action.
What an agent team takes off your floor
Most of a carrier's load isn't coverage judgement — it's intake, paperwork, chasing documents and renewal outreach. Here's where agents own the busywork, mapped to how your book actually runs.
The Front Door
Every FNOL, quote and policy question captured, qualified and routed — 24/7, in English or Spanish.
- Multi-channel intake (phone, SMS, WhatsApp, web, agent portal)
- Policy match & policyholder identity verification
- Coverage-in-force and effective-date confirmation
Coverage Triage
Severity and coverage scoring with explicit red-flag detection and instant routing.
- Routes by line of business, severity and complexity
- Total-loss, injury and SIU red-flags page a licensed adjuster
- Matches to the right adjuster or producer by license & state
Claim & Quote File
FNOL write-ups, photo/document capture and cited policy references — the adjuster decides.
- Loss narrative drafted from the policyholder's own words
- Photo, estimate and document intake with completeness checks
- Coverage citations pulled from the actual policy form
Evidence & Verification
The full loop — third-party data ordered and SIU referrals escalated the moment a flag trips.
- Police report, ISO ClaimSearch and prior-loss lookups
- Damage estimate / appraisal ordering and routing
- SIU referral staged when fraud indicators surface
Servicing & Coordination
Endorsements, payments, status updates and the renewals customers never hear about.
- Endorsements, ID cards and billing changes staged for sign-off
- Claim status updates and rental / repair coordination
- Renewal outreach & lapse-prevention nudges (EN / ES)
Billing & Payments
The fastest ROI for a CFO: clean every premium transaction, settle every covered claim faster.
- Premium quote, bind-ready packet and invoice generation
- Claim payment / reserve recommendations for adjuster sign-off
- Subrogation and salvage flags before the file closes
Back-Office & Compliance
Producer licensing, DOI complaints and the regulatory filings no one wants to do.
- Producer appointment & license-status tracking
- State DOI complaint logging and timeline tracking
- Required disclosures and AI-interaction notices by state
Knowledge Layer
A role-aware assistant grounded only in your approved policy forms and bulletins.
- Separate views for policyholder, producer and adjuster
- Every answer cites the policy section or bulletin
- Hard guardrails — never a binding coverage determination
Watch the team run a claim
Pick a case and press play. Watch the agent team run it end to end — a licensed adjuster or producer approves every coverage decision.
Press Run the journey — or scroll in and watch it play automatically. Every clinical action waits for a clinician.
Seven specialists, one conductor
Each agent owns one job and hands the next a complete, structured file. Atlas routes the work, enforces the human-in-the-loop gates, and writes every action to an audit log.
Atlas is the orchestrator. It routes each claim or quote to the right specialist, carries the shared policyholder and policy context between them, pauses for a licensed adjuster or producer to approve every coverage decision, and records a complete, timestamped audit trail.
Click Ava below — the full FNOL-to-settlement workflow plays out automatically.
Coverage triage. Scores severity and coverage, watches for injury, total-loss and SIU red flags, and routes straight to the right licensed adjuster — never sitting on a high-exposure claim.
File specialist. Drafts the loss narrative from the policyholder's own words, captures photos, estimates and documents, and cites the applicable coverage form — leaving the adjuster to decide, not type.
Draft only. Coverage is determined solely after a licensed adjuster reviews and approves.
Servicing & coordination. Orders estimates, books repairs and rentals, sends status updates, and keeps policyholders on track through renewals with reminders and lapse-prevention nudges.
Billing & payments. Builds bind-ready quote packets and invoices, prepares claim payment and reserve recommendations from the file, and flags subrogation and salvage before a file closes — all for a licensed human to release.
The role-aware knowledge assistant. Answers policyholders, producers and adjusters from your approved policy forms and bulletins only — every answer cited, and never a binding coverage determination.
Iris informs. It never determines coverage, denies a claim or overrides a licensed professional.
The Claims & Lapse Sentinel. Always on across the open book — flagging fraud indicators on live claims, renewal-lapse risk before expiration, and claim-SLA clocks running toward a fair-claims-practices breach, and staging the response for the team.
Hope is advisory. It alerts and stages — a licensed adjuster or producer decides and acts. Every alert is logged with the signal that triggered it.
Ava captures patient intake by voice, then hands a structured summary to 6 downstream agents — triage, documentation, coordination, billing, knowledge and ICU monitoring — each acting on the shared context, with Atlas orchestrating and a clinician approving every clinical action.
Ava starts the workflow.One layer over the systems you already run
Rach.Dev sits on top of your policy admin system, claims platform and CRM — orchestrating agents, enforcing governance, and keeping a licensed human in the loop. No rip-and-replace.
Every coverage decision — coverage confirmations, reserves, payments, denials, SIU referrals — pauses for a licensed adjuster or producer to approve. Agents draft and stage; people decide.
State-DOI and NAIC-aligned controls, fair-claims-practices guardrails, AI-interaction disclosures, and a complete, timestamped audit trail on every action and every data touch.
Atlas routes each claim or quote to the right specialist, carries shared policy context between agents, and coordinates hand-offs end to end.
Bidirectional connectors to your policy admin system, claims platform, Guidewire and CRM over the standards and APIs your systems already speak.
A knowledge layer that knows its limits
Iris answers policyholders, producers and adjusters from your approved policy forms and bulletins only. Every answer is cited — and a coverage question is always handed to a licensed professional, never ruled on.
Try a question
Hi, I'm Iris. Ask me about your policy, a claim's status or your bill — I'll always cite my source.
A knowledge layer that knows its limits — questions and answers
- What's the status of my auto claim?
- Your collision claim AU-48213 is open and assigned to adjuster Alan Reyes. The appraisal is scheduled for Thursday, June 11 at the network shop, and a rental has been authorized under your policy limit. You'll get a text the moment the estimate is approved. You can view the full timeline anytime in the claims portal.
- ¿Por qué subió mi prima este año?
- Según su póliza y la presentación de tarifas de su estado, su prima de auto cambió por un ajuste de tarifa aprobado y un cambio en su historial de manejo. Le puedo mostrar el desglose línea por línea y sus opciones de renovación. Para revisar coberturas o un posible descuento, la conecto con un productor con licencia.
- Is my basement flooding from the storm covered?
- That's a coverage determination, so I won't decide it myself. I've opened a claim, attached your photos, and routed it to a licensed adjuster who will review your policy's water-damage and flood provisions and follow up with you. If this is an emergency, please call 911.
Governance, not just guardrails
The controls that let a carrier actually deploy agents — enforced in the system, not promised on a slide.
Live audit log
A sample of what every action looks like on the record.
What changes when agents own the busywork
Directional outcomes our pilots target — validated on your own data, never assumed.
The problem, in numbers
- Insurance fraud is estimated to cost Americans roughly $308 billion every year across all lines — the case for earlier, grounded fraud flags is large. — Coalition Against Insurance Fraud, The Impact of Insurance Fraud on the U.S. Economy, 2022
- Auto repair claim cycle times averaged about 23 days in 2023, and managing the wait is now central to claims satisfaction — faster intake and coordination matter. — J.D. Power, 2023 U.S. Auto Claims Satisfaction Study
- Individual life insurance policies lapse at roughly 5% per year, with a large share lapsing in the first few years — proactive renewal outreach is where retention is won. — American Council of Life Insurers, Life Insurers Fact Book (NAIC / LIMRA data)
Figures above are external benchmarks and pilot targets, not guarantees — we validate every number on your own data before you rely on it. Monitoring agents are advisory: they alert and stage, a licensed adjuster or producer acts.
Start with one line of business. Prove it. Then scale.
We stand up a single workflow on your existing policy admin and claims platforms, show the audit trail and the outcomes, and expand only once your team trusts it.
Pick the highest-pain workflow — FNOL intake, renewals or fraud/lapse monitoring — and we map it to your systems.
Agents run on your policy admin and claims platforms with a licensed human in the loop and a full audit trail, in weeks not quarters.
Review the outcomes on your own data, then roll the agent team out line by line of business.