Policy and claims automation for specialty insurers

A services firm for specialty carriers, MGAs and reinsurers. We work at your site, learn your claims and policy problems first-hand, and solve them with automation built on your own systems and knowledge sources. A working system, on site, in 45 days. Grounded in your documents and cited.

Book a demo See how it works
  • Policy wordings
  • Endorsements
  • Claims files
  • Binding authority agreements
  • Program forms
  • Treaty wordings
  • Executed deals

Policy and claims workflow automation

Policies are read with the endorsements that amend them. Claims are checked against cover, with the source shown. Routine drafts and checks run on their own, and your reviewer signs off.

Read as amended

Policies are read with the endorsements that amend them.

Claims, checked against cover

Find the wording that applies to a claim, with its source.

Routine steps, automated

Drafts and checks run on their own. Your reviewer signs off.

Invented examples

Explore an invented insurer

Pick your role, ask a question, click any document.

Invented example

  • D&O policy

    Policy, cover

    Condition 11 lets the insurer cancel with sixty (60) days' written notice.

    Condition 11. The Insurer may cancel this Policy by giving sixty (60) days' written notice.

    Condition 11 Amended by Endorsement 3

  • Endorsement 3

    Endorsement, cover

    Notice of cancellation is now forty-five (45) days.

    the period of notice in Condition 11 is amended to forty-five (45) days

    Endorsement 3, page 1

  • Property policy

    Policy, cover

    Section 2 covers escape of water. The excess is set by endorsement.

    Section 2. The Insurer will pay for loss caused by the sudden escape of water from any fixed tank, apparatus or pipe.

    Section 2, Escape of water Amended by Endorsement 5

  • Endorsement 5

    Endorsement, cover

    The excess for escape of water is $10,000 each loss.

    the Excess applying to Section 2 is ten thousand dollars ($10,000) each and every loss

    Endorsement 5, page 1

  • War exclusion 4.2

    Clause library, cover

    The approved war exclusion, kept by your legal team.

    Clause 4.2. This Policy excludes loss arising from war, invasion or acts of foreign enemies, whether war be declared or not.

    Clause library, 4.2

  • Claim CL-2041

    Claim file, claims

    A water damage claim at the insured's premises, reported on 12 March.

    Reported loss: burst supply pipe, ground floor stock room, found on opening.

    Claim file, first notice

  • Adjuster note

    Note, claims

    The cause looks like a failed supply pipe, with no sign of slow leakage.

    Inspection on 14 March: sudden failure of a supply pipe. No sign of long term seepage.

    Adjuster note, 14 March

  • Scanned loss report

    Scan, claims

    Page 3 is too faint to read.

    For you The engine does not guess at a page it cannot read. It sends the page to a person.

    Loss report, page 3

  • Renewal submission

    Submission, underwriting

    The D&O renewal asks for a limit of $5,000,000.

    Requested limit: $5,000,000 any one claim and in the aggregate.

    Submission, page 2

  • D&O appetite guideline

    Guideline, underwriting

    Limits above $10,000,000 go to a senior underwriter.

    Limits up to $10,000,000 may be quoted by an underwriter. Above $10,000,000, refer to a senior underwriter.

    Guideline, section 3

  • War exclusion draft 2

    Draft, underwriting

    A draft endorsement that uses clause 4.2 from your own wording.

    This Policy excludes loss arising from war, invasion or acts of foreign enemies, whether war be declared or not.

    Draft 2, from clause library 4.2 Reviewer signs off

  • Binding authority agreement

    Agreement, programs

    The MGA may bind property risks up to $2,000,000.

    The Coverholder may bind risks with a limit not exceeding two million dollars ($2,000,000).

    Agreement, clause 6.1

  • Program form

    Form, programs

    The standard wording issued under the agreement. Flood is covered up to a sublimit.

    Flood is covered up to a sublimit of $250,000 in the annual aggregate.

    Program form, section 5

  • Quota share treaty

    Treaty, programs

    Cedes forty per cent of each risk written under the agreement. It does not mention flood.

    The Reinsurer accepts forty per cent (40%) of each risk written under the Agreement.

    Treaty, Article 3

Every line opens its source

Click any line to see the page.

Answers keep their version

Later edits don't change past answers.

One system per insurer

Your data never trains a model.

A reviewer signs off

It never binds or sends.

Built for your problems, not everyone's

We do not sell a tool that every insurer shares. We learn how your claims and policy work runs, and we build for that.

A working system in 45 days

On site, on your own documents.

Engineers on site

They learn your problems first-hand, then solve them.

No generic tool

Built for how your work runs, not for every insurer at once.

No roadmap to wait on

Your problem is our roadmap.

More policies and claims, same team

40% of commercial underwriters' time goes to non-core and admin work. Accenture underwriting survey, 2021
$85B to $160B in efficiency lost to that admin work over five years. Accenture, 2021
10 to 20 min saved per claim when coverage checks were automated at one insurer. Bain & Company, 2024
20% to 25% lower loss-adjusting expense, by Bain's estimate for automated claims handling. Bain & Company estimate, 2024

Answers in minutes

Ask across every wording at once. No day of reading.

More submissions quoted

Less admin per deal means more deals per underwriter.

Claims checked faster

The wording that applies, found with its source.

Send us your vendor questionnaire.

We answer in writing.

Vendor review
Training on your dataNever
Data isolationOne system per insurer
Sign-inYour identity provider
SOC 2, ISO 27001Held

How it starts

  1. 01

    Call

  2. 02

    NDA

  3. 03

    Prototype

  4. 04

    Fixed scope

  5. 05

    Build

  6. 06

    Support

BuildFrom $30,000
Monthly, hosting and model usage includedFrom $7,500

Questions

What is policy and claims automation for specialty insurers?

It is workflow automation for claims and policy generation, connected to your own systems and knowledge sources: it reads policies with the endorsements that amend them, checks claims against cover, and runs drafts and checks on its own while your reviewer signs off. WYEA builds one engine for each insurer, from the insurer's own documents.

Who is it for?

Specialty and E&S carriers, fronting carriers, MGAs and program administrators, and reinsurers, intermediaries and run-off teams.

Are the answers cited?

Yes. Every answer comes back with citations to the documents it came from, including the version and the passage, and each citation opens the source.

How do you work with our team?

We deploy a team of engineers to your site. They learn your documents and your problems first-hand, and the same team builds and supports your system.

Does it make claims or underwriting decisions?

No. It finds the wording that applies, drafts and flags what it could not read. It never binds or sends. Your reviewer signs off, and your adjuster or underwriter decides.

Where does it read our documents?

Where you keep them, including Dropbox, SharePoint, OneDrive, Google Drive, iManage, NetDocuments and Outlook. Your own system stays the record.

Do our documents train a model?

No. Each insurer has its own isolated system, with its own database, network and sign-in, and client documents never train a model.

How long does it take?

A working system at your site in 45 days. The scope, the dates and the fixed investment are agreed in writing before work starts.

What is the investment to start?

We build a prototype on your own documents at a fixed investment agreed before work starts. Builds are from $30,000, and the monthly investment is from $7,500 and covers hosting, support and model usage.

See it on your own wordings

Mostly standard forms? A shared product may suit you better. We will tell you on the first call.

Book a demo

Prefer to write? We reply within one business day.