Claims team spending hours on data entry for each new claim instead of assessing it?
Policy renewal processing creating backlogs that cause lapses your operations team is firefighting?
Insurance Automation
Automation for the high-volume administrative workflows in claims, policy administration, and compliance -- built for insurers, MGAs, and brokers who need to process more without adding headcount.
Claims faster. Renewals without backlogs. Compliance without manual data assembly.
Claims intake automation from first notice of loss to record creation across systems
Policy renewal and endorsement processing without manual admin overhead
Underwriting data collection from third-party sources automated end to end
Regulatory reporting (Solvency II, FCA, Lloyd's) assembled automatically from your systems
RaftLabs builds automation systems for insurers, MGAs, and brokers -- claims intake and processing, policy administration for renewals and endorsements, underwriting data collection and carrier submissions, regulatory reporting (Solvency II, Lloyd's, FCA), and AI-powered fraud detection. Insurance automation replaces the high-volume administrative work in claims and policy operations with systems that process faster, make fewer errors, and maintain complete audit trails. Most insurance automation projects deliver in 8--14 weeks at a fixed cost.
100+Products shipped
·15+Fintech and insurance platforms
·24+Countries served
·FixedCost delivery
Claims speed is a competitive differentiator. Manual processing wastes it.
Policyholders judge their insurer most at claims time. A claims process delayed by manual data entry, cross-system reconciliation, and paperwork workflows creates the experience that drives non-renewal and negative reviews.
Insurance automation compresses claims handling time by automating the data work -- intake, record creation, document requests, status updates -- so adjusters focus on coverage assessment and settlement. Policy administration runs without backlogs. Compliance reporting runs without a week of manual data gathering. The operations team handles the judgment calls. The software handles everything else.
What we automate
Claims intake and processing
Automated first notice of loss processing -- extracting claim data from email, web forms, and document uploads, creating claim records across your claims management and policy systems, and triggering the initial assessment workflow. Status update automation that checks third-party systems and updates your platform. Document request and receipt tracking. Settlement letter generation for straightforward claims. The intake process that currently takes hours of admin time per claim runs in minutes, with adjusters reviewing structured data rather than entering it.
Policy renewals and endorsements
Automated renewal processing -- generating renewal packs, checking for material changes, recalculating premium, and triggering broker or customer communication. Mid-term endorsement processing that updates policy records, recalculates premium, and issues amended documents. Cancellation and reinstatement workflows. The policy admin backlog that grows during peak renewal periods clears automatically, and renewal lapse rates fall because no renewal slips through without the right communication being sent.
Underwriting data collection
Automated collection of underwriting data from third-party sources -- property databases, credit bureaus, weather and catastrophe data, sanctions databases, and public records -- for inclusion in underwriting review packs. Carrier and reinsurer portal submissions with risk data pre-populated. Risk scoring data formatted for underwriter review. The data gathering that currently requires underwriting assistants to access multiple systems manually happens automatically, so underwriters review complete packs rather than assembling them.
Regulatory and compliance reporting
Automated assembly of regulatory submissions from your policy, claims, and financial systems -- Solvency II, IFRS 17, Lloyd's bordereaux, FCA returns, and US state filings. Data extraction, transformation, and validation against submission templates. Deadline tracking and submission confirmation. The compliance reporting that currently requires a team to spend days gathering data from multiple systems runs automatically, with compliance staff reviewing and submitting rather than building.
Broker and agent communication
Automated broker communication workflows -- quote delivery, policy document distribution, renewal reminders, and commission statement generation. New business submission acknowledgement and tracking. Broker portal updates triggered by policy events. The broker communication that currently requires manual preparation per transaction runs on triggers, keeping your distribution partners informed without your operations team spending time on each interaction.
Fraud detection data processing
Automated data gathering for fraud screening -- cross-referencing claim details against industry databases, prior claim history, third-party watchlists, and social media signals. Fraud indicator scoring delivered to the claims handler alongside the claim record at intake. The data gathering that supports fraud investigation runs automatically at claim creation, so investigators assess flags rather than search for the data that generates them.
Frequently asked questions
We integrate with insurance platforms via API where available or UI automation where not. Common integrations: Guidewire (PolicyCenter, ClaimCenter, BillingCenter), Duck Creek, Applied Epic, Majesco, and custom-built policy administration systems. We also integrate with external data sources -- credit bureaus, property databases, weather feeds, and industry fraud databases -- that your underwriting and claims teams currently access manually. The integration approach is determined during scoping based on your specific platform version and configuration.
Claims automation handles the structured data work -- intake, record creation across systems, document requests, status updates, and settlement letter generation. Adjusters focus on coverage assessment, liability determination, settlement negotiation, and fraud investigation. The result is adjusters handling more claims with the same headcount, with their time concentrated on the judgment-intensive work rather than administration. Most claims automation programmes achieve 70--85% straight-through processing for simple claims, with adjusters reviewing the complex and high-value cases.
Insurance automation must produce audit-ready output. Every bot action is logged -- what data was accessed, what decision was made, what system was updated, and when. Policy administration automation maintains timestamped records of every policy change. Regulatory report assembly is fully traceable back to source data. This audit trail is more complete and consistent than manual processes, which often rely on staff documenting actions after the fact. For Solvency II, Lloyd's, and FCA requirements, we build the reporting templates to match submission specifications and validate outputs before delivery.
A focused insurance automation system -- one workflow (e.g., claims intake automation), including integration with your claims management platform and 2--3 supporting systems -- typically runs $20,000--$55,000. Multi-workflow programmes covering claims, policy admin, and regulatory reporting run $55,000--$140,000. Cost depends on the number of workflows, policy and claims system integration complexity, and regulatory reporting requirements. We scope every project before pricing it.
Talk to us about your insurance automation project.
Tell us the workflow, your current systems, and the volume. We'll tell you how we'd automate it and what it costs.
