Small Commercial Claims
BOP and workers comp claims, multi-line handling, and reserves management — automated for commercial lines ops teams that process high volume with limited adjuster capacity.
Built for Small Commercial Complexity
BOP Claims Processing
Businessowners Policy claims — property damage and general liability combined, with coverage coordination and multi-line reserve allocation.
Workers Comp Claims
Injury classification, medical bill review routing, return-to-work timeline tracking, and state-specific indemnity calculation — automated from first report.
Reserves Management
Initial reserve set at enrichment, severity drift alerts when reserve adequacy changes, and DOI-reportable reserve movement trigger on commercial files.
Multi-Line Coverage Coordination
Coverage overlap detection across property, liability, and WC lines. Coordinated payment sequencing for multi-line BOP events.
Third-Party Liability Triage
GL claim complexity scoring for legal escalation risk. Subro potential flag on third-party property damage events.
Regulatory Compliance
State-specific WC reporting deadlines, NCCI class code verification, and commercial lines MCAS output formatting.
Reduce Leakage on Your Commercial Lines Book
Commercial line pilots typically start on BOP claims — where reserve accuracy and cycle time are most visible — then expand to workers comp. State-specific NCCI class code verification and WC indemnity calculation run from the first day of implementation.