AI Agents

Context

Built for insurance within the Reinsurance Coordination stack and owned by Reinsurance teams, this agent focuses on what happens when a claim hits: does any treaty or claim sharing agreement apply, and if so, how should the shared portion be handled operationally? It is designed for Tier 1–2 insurers where reinsurance programs are complex and missed sharing triggers show up directly as missed recoveries and delayed cash inflows from reinsurers.

What it does

The agent reads structured claim and policy data—line of business, product, limits and deductibles, occurrence and reporting dates, loss amounts, geographic scope—and combines it with the applicable treaty or claim sharing agreements already mapped for that risk. Based on that combined view, it determines whether claim sharing should be triggered, at what thresholds, and with which reinsurers or counterparties. It then creates or updates the reinsurance claim record, sets the sharing percentages and amounts, and marks the case as “sharing active” so downstream processes (reserving, collections, reporting) treat the claim accordingly. Where your operating model requires it, the agent also sets the internal workflow in motion: routing the case to the right reinsurance technician queue and preparing the key figures and references that will later feed into reinsurer notifications and bordereaux.

Core AI functions

At its core, this agent does rules and orchestration: it applies documented treaty and agreement rules to live claim data and orchestrates the resulting steps inside your reinsurance process. The intelligence lies in consistently mapping each claim to the relevant program and sharing rules, determining when a trigger condition is met, and turning that into structured, system-level updates and tasks instead of relying on manual recognition and ad hoc follow-up.

Problem solved

Without this agent, claim sharing is often triggered manually: handlers and technicians have to remember which claims are shareable, at what thresholds, and under which agreements, then update systems and workflows by hand. That is exactly where missed recoveries occur—cases slip through where sharing should have been activated but wasn’t, or is activated too late to support timely collections. The agent replaces this memory- and spreadsheet-based process with a consistent control: whenever claim data and treaty logic say “sharing applies,” the right reinsurance steps are triggered automatically.

Business impact

The primary impact is clear and measurable: fewer missed recoveries and better cash flow from reinsurers. By systematically triggering claim sharing when conditions are met, the agent helps ensure that the reinsurance program is actually used as designed, not just defined on paper. That improves net loss ratios and stabilises results, while also reducing rework and investigation time when Finance or Audit asks why a loss was or was not shared. Reinsurance teams gain more confidence that shareable claims won’t be overlooked, and can focus their attention on complex cases rather than chasing basic triggers.

Integration and adjacent use cases

Integration complexity is low–medium: the agent needs access to claim and policy data, the treaty and claim sharing rule repository, and the reinsurance claim or bordereaux systems where sharing information is stored and processed.

Common combinations in this stack:

• Cession Eligibility Checker to determine upfront which risks are even eligible for cession and future claim sharing under the treaty program;

• Retention Limit Validator to confirm that retained amounts sit within treaty and internal limits so that sharing triggers reflect the intended net position;

• Reinsurance Treaty Cross-Referencer to surface the exact treaties and clauses that govern how a particular claim should be shared;

• Claim Sharing Agreement Trigger Agent to activate sharing on eligible claims and set the right percentages and amounts in the system; and

• Reinsurer Notification & Documentation Assistant to assemble and send the required notification and documentation packets to reinsurers so that triggered sharing flows through into timely, well-supported recoveries.

Together, these agents turn reinsurance coordination into an end-to-end flow where eligibility, retention, treaty mapping, claim sharing, and reinsurer communication are tightly aligned and consistently executed.