#insurance

Insurance runs on document-heavy intake and adjudication: underwriting submissions, FNOL, claims handoffs, renewals. That is where AI extraction and triage pay off. But the coverage call and the denial stay human, because the NAIC unfair-claims rules require a reasonable, accurate explanation for any denied claim, and an unowned automated denial cannot give one.

Insurance carriers throw AI at broken processes without fixing the workflow first. ZS Associates found that speed-focused carriers earned over 30% agent share versus the 8% average. Speed beats price for agents every time.