Claims team spending hours on data entry for each new claim instead of assessing it?
Policy renewal processing backlog causing lapses your operations team is firefighting?
RPA in Insurance
Insurance operations run on structured, rule-based processes -- claims intake, policy administration, underwriting data collection, compliance reporting, and broker communication. The volume is high, the data is structured, and most of the processing follows the same logic every time.
We build robotic process automation systems for insurers, MGAs, and brokers -- claims processing automation, policy admin, underwriting support, and regulatory reporting -- so your operations team handles the judgment calls, not the data entry.
Claims intake and processing automation from first notice of loss to settlement
Policy administration automation for renewals, endorsements, and cancellations
Underwriting data collection and submission to carrier portals
Compliance and regulatory reporting assembled automatically from your systems
RaftLabs builds robotic process automation systems for insurers, MGAs, and brokers -- claims intake and processing, policy administration for renewals and endorsements, underwriting data collection and carrier submissions, and regulatory reporting automation. Insurance RPA replaces the high-volume data entry and cross-system processing that slows claims handling and policy administration, with bots that run faster and produce complete audit trails. Most insurance RPA projects deliver in 8--12 weeks at a fixed cost.
Claims speed is a competitive advantage. Manual processing wastes it.
Policyholders judge their insurer at claims time more than at any other point. A claims process slowed by manual data entry, cross-system reconciliation, and paper-based workflows creates the exact experience that drives churn at renewal.
RPA compresses claims processing time by automating the structured data work -- intake, record creation, document requests, and status updates -- so adjusters spend their time on assessment and settlement, not administration.
Insurance processes 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 claims 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.
Policy renewals and endorsements
Automated renewal processing -- generating renewal packs, checking for material changes, updating premium calculations, and triggering broker or direct customer communication. Mid-term endorsement processing that updates policy records, recalculates premium, and issues amended documents. Cancellation processing with lapse notification and reinstatement workflows. The policy admin backlog that grows during peak renewal periods clears automatically without temporary staff.
Underwriting data collection
Automated collection of underwriting data from third-party sources -- property databases, credit bureaus, weather and catastrophe data, and public records -- for inclusion in underwriting review packs. Submission of risk data to carrier or reinsurer portals for quotes. Risk scoring data pulled and formatted for underwriter review. The data gathering that currently requires underwriting assistants to access multiple systems manually happens automatically, so underwriters review complete risk 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 filing requirements. Data extraction, transformation, and validation against submission templates. Deadline tracking and submission confirmation. The compliance reporting that requires data assembly from multiple systems runs automatically, with the compliance team reviewing final outputs rather than building them.
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 and dispatch for each transaction runs on a trigger-based schedule, keeping your distribution partners informed without operations team time per transaction.
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. Structured fraud indicator scoring delivered to the claims handler alongside the claim record. The data gathering that supports fraud investigation runs automatically at intake, so investigators focus on assessing flags rather than collecting the data to generate them.
Tell us which insurance process consumes the most operations time.
Process, current systems, and volume. We'll design the automation and give you a fixed cost.
Frequently asked questions
The best insurance automation candidates are high volume, rule-based, and involve structured data from identifiable sources. Top processes: claims intake (extracting first notice of loss data and creating claims records across systems), claims status updates (checking carrier or third-party systems and updating your claims management platform), policy renewals (preparing renewal packs, updating records, and triggering communication workflows), endorsement processing (updating policy records based on mid-term change requests), underwriting data collection (pulling risk data from third-party sources for underwriting review), and regulatory reporting (Solvency II, Lloyd's reporting, FCA submissions).
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. For legacy systems with limited APIs, UI automation handles the integration. We also integrate with external data sources -- credit bureaus, property databases, weather data feeds, and public records -- that underwriting and claims teams currently access manually.
Yes. Insurers face significant regulatory reporting obligations -- Solvency II, IFRS 17, Lloyd's of London reporting, FCA returns, and state-level requirements in the US. RPA can automate the data extraction and compilation for these reports, apply the required transformations and calculations, validate outputs against regulatory templates, and deliver submission-ready reports to the compliance team for final review and sign-off. The bot handles the data work; the compliance team handles the review and submission. Audit trails from the automation process support regulatory examination.
RPA automates the structured data work in claims -- intake, record creation, status updates, document requests, and settlement letter generation -- while claims adjusters focus on the judgment-intensive work -- coverage assessment, liability determination, settlement negotiation, and fraud investigation. The result is adjusters handling more claims with the same headcount, not adjusters being replaced. Straight-through processing for simple, clear-cut claims allows adjusters to concentrate capacity on complex and high-value claims.
A focused insurance automation system -- one process automated (e.g., claims intake and record creation from first notice of loss), including bot development, testing in your environment, and deployment -- typically runs $20,000--$55,000. Multi-process programmes covering claims intake, policy renewal, and compliance reporting run $55,000--$140,000. Cost depends on the number of processes, the complexity of the policy and claims system integrations, and the regulatory reporting requirements. We scope every project before pricing it.