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Insurance

Enterprise reasoning for insurance decisions

GP connects policy context, claims files, loss history, litigation intelligence, and expert judgment so insurers can trust, explain, and audit decisions across underwriting, claims, reserves, and growth.

Decision infrastructure
One governed layer across the insurance operating model
Claims Underwriting Reserves Market expansion Litigation strategy
Operating Model

The decisions that shape insurance performance

GP turns fragmented files, expert judgment, and external signals into governed recommendations that teams can act on, review, and trace back to the evidence.

01

Underwriting & Risk Selection

Evaluate submissions with policy, portfolio, market, and loss context.

Reasoned
02

Claims & Litigation

Guide defend-or-settle decisions with venue, attorney, and case evidence.

Governed
03

Reserves & Capital

Connect claims precision to reserve confidence and capital efficiency.

Auditable
04

Market Expansion

Turn claims and underwriting intelligence into profitable growth plans.

Recorded
01

Underwriting Intelligence

GP helps underwriters evaluate risk with richer evidence. By connecting court data, provider identifiers, internal loss history, and expert policy, GP creates decision logic teams can inspect and defend.

Provider Risk Scoring

Reasoning graphs connecting providers, judicial entities, and historical outcomes

Data-Driven Selection

Telematics, safety, geographic, and social data integrated into unified underwriting models

Portfolio Context

Concentration, correlation, and exposure rules made explicit in the decision trace

02

Claims Process Optimization

GP enables 150 claims employees to pinpoint potential outcomes by judge, attorney, case type, and jurisdiction, down to the county level. Automated data filtrations and cited sources reduce research times dramatically.

Benchmark Past Cases

Interface enabling claims teams to identify potential outcomes by judge, attorney, and case type

Local Market Intelligence

County-level insights on judicial behavior, settlement trends, and venue dynamics

Defend/Settle Optimization

Data-driven recommendations on when to defend and when to settle

03

Reserve Capital Efficiency

By improving claims precision, GP enables significant reserve reductions, freeing capital that can be redeployed into growth initiatives. Loss reserves are reallocated for new market expansion in identified high-opportunity markets.

$30M+ in Freed Reserves

Precision claims management reduces the need for conservative reserve buffers

Capital Redeployment

Freed reserves redirected to growth initiatives in identified high-opportunity markets

04

Market Expansion

Leverage claims savings and underwriting intelligence into new market entry plans. GP identifies the most profitable markets for expansion by geography, offering type, and customer segment, transforming defensive savings into offensive growth.

Geographic Expansion

Identify and prioritize new markets based on risk profiles and profitability potential

New Offering Development

Data-driven identification of new product lines and coverage types

Deployed Workflows

From claim files to margin impact

Production workflows built around the decisions where insurance economics are won or lost.

Workflow: Claims Process Maximization

Specialty Insurance Company

A leading E&S property insurer looking to transform litigation strategy. GP built a claims optimization workflow that fuses internal claims data with curated external intelligence to score venues, guide defend-or-settle strategies, and surface high-risk claims early.

Economic Headwinds
Social inflation: juries awarding more nuclear verdicts (over $10M)
High investigation effort: 100+ hours per case investigation
Reliance on existing litigation relationships reducing outcome optimization
$170M
In profitable growth
20X
Return on investment
35%
Decrease in ULAE and LAE
Workflow: Growth Strategy

Professional Liability Insurer

A specialty insurer focused on healthcare, legal, and medical technology sectors with ~$1B in revenue. GP enabled claims teams to benchmark cases, understand local markets, and reduce research time, with the end game of shaping go-to-market strategy across new geographies.

Economic Headwinds
Inefficiencies in claims settlement processes
Insufficient transparency in claims reserves constraining working capital
Evolving market dynamics driven by rising claims severity
$50M+
Reduction in claim severity
$30M
Freed from loss reserves
30
Employees reallocated to higher-value tasks
Insurance Proof

Measured outcomes with a decision trace

The same reasoning layer that improves individual decisions also changes the economics of reserves, severity, and profitable growth.

$170M
Profitable growth created through claims and litigation optimization.
$100M+
Annual value identified for a single insurance client.
20X
Return on investment from production insurance workflows.
35%
Decrease in ULAE and LAE through governed claims workflows.

Jonathan Ritz, CEO of CoAction · WSIA 2025

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From claims optimization to market expansion, see how the enterprise reasoning platform transforms your value chain.

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