Insurance
5 AI SkillsPrice the risk you can see. Detect the fraud you cannot.
Underwriting depends on data you don't control. Claims depend on stories you can't verify. Compass fuses internal policies with external evidence and adversarial networks, so underwriters price on reality and claims investigators find rings, not incidents.
For underwriting, claims, fraud and distribution leaders across P&C and specialty.
The problem
What's broken today
The structural problems we solve.
Loss ratios drift because the risk was mispriced at bind. Claims fraud is chased case by case while organised rings recycle addresses, phones, repair shops and clinicians across dozens of policies. Distribution can't see which broker book actually generates profitable business.
Submissions you should have written first
Acquisitions, expansions and leadership changes drive premium decisions weeks before the broker call. Most carriers find out when the submission lands — already shopped.
Renewals defended too late
Broker movement, claims experience and competitive scoping converge into a renewal lost long before the renewal meeting happens.
Specialty cross-sell left on the table
Cyber, D&O, environmental and parametric lines fit obvious triggers — but matching them to the right account at the right moment is structurally manual today.
In numbers
Order of magnitude
What insurance teams see in the first two quarters.
How it works
From source to deliverable
From the systems you already run to the deck you hand over — one model in between.
The signal feed, live
Every source below lands in the same feed, already resolved onto the entity it belongs to — and carries where it came from.
- 01Policy admin, underwriting workbench, claims systems
- 02Third-party risk data
- 03Claims documents (FNOL forms, medical reports, invoices, PDFs)
- 04Company registries
- 05External adversarial signals
- 06Distribution & broker data
Policy admin, underwriting workbench, claims systems
Guidewire, Duck Creek, Sapiens
Third-party risk data
property, weather, telematics, IoT, health, credit
The resolved model
The raw name is resolved onto the modelled entity — subsidiaries, owners and links already attached — so a signal lands on something that already exists instead of opening a new record.
Reports, decks, spreadsheets, dashboards and alerts — finished, not drafts.
- Brief (PDF)Underwriting risk brief
- GraphClaim network graph
- ExcelRing exposure model
- DashboardFraud ops dashboard
- AlertNew-ring alerts
- Audit logDecision audit log
Benefits
Outcomes
What changes when you operate with Compass.
AI Skills
Scoped for this sector
Named jobs, already scoped for this sector — each one runs on your model.
| Skill | Family | What it does | Output |
|---|---|---|---|
| Insurance Fraud Detection | Risk & Compliance | Detects coordinated claims networks, staged incidents and repeat actors across policies, providers and geographies. | graphalert |
| Counterparty Network Map | Trade & Supply Chain | Reveals hidden ownership chains, intermediaries and shared directors across a portfolio of counterparties. | graphbrief |
| Third-Party Due Diligence | Risk & Compliance | Builds an evidence-backed dossier on any counterparty — ownership, litigation, sanctions, adverse media — in minutes instead of days. | briefgraph |
| Adverse Media Sweep | Investigation | Runs multilingual adverse media checks across news, court filings and gazettes — deduplicated, ranked and cited. | alertbrief |
| Case File Builder | Investigation | Assembles a court-ready case file from fragmented evidence — timelines, actors, sources, chain of custody — with every claim cited. | briefaudit |
A concrete case
Insurance
One suspicious motor claim → 22 connected policies and €680k of avoided payouts.
Submission-to-bind rate on new business
+28% · First-mover advantage on M&A and expansion triggers.
Renewal retention on top-200 accounts
+15% · Earlier visibility on broker, claims and competitive scoping signals.
A single motor claim looked routine. Compass resolved the claimant, the repair shop and the tow-truck IBAN across the whole book, exposed a ring of 22 policies with overlapping addresses and shared providers, and produced a court-ready case file. Payouts on the affected claims were held, brokers involved were flagged, and the underwriting model was updated the same week.
Insurance
Common questions
What insurance leaders ask us first.
Both. Carriers use Compass to prioritize underwriting capacity; brokers use it to surface new-business and renewal triggers across their book.
Yes — the play library is built around trigger events that disproportionately affect specialty lines like cyber, D&O, environmental and parametric.
Enrichment hands you data; Compass hands you a ranked, explainable action — the right account, the right line, the right owner, with the brief already drafted.
See Compass on your sector.
30 minutes. Your accounts, your pipeline, your signals. We'll show you the actions Compass would recommend today.