AI Agents

Context

Built for insurance within the Reinsurance Coordination stack and owned by Reinsurance teams, this agent focuses on one recurring bottleneck: finding the exact treaty clauses that apply to a given policy or claim while the clock is ticking on settlement and recoveries. It is designed for Tier 1–2 insurers and groups where treaty programs are complex and manual treaty lookups slow down claim decisions and reinsurance cash inflows.

What it does

The agent takes in structured policy and claim data—product, line of business, effective dates, limits and deductibles, region, program tags if available—and cross-references it with your treaty documentation and program setup to identify which treaty or treaties apply, and which specific clauses and sections are relevant. It surfaces the right treaty references directly in the claim or reinsurance workspace, highlights key parameters such as coverage scope, attachment points, limits, and sharing provisions, and links back to the original treaty wording for detailed review. The result is that handlers and reinsurance technicians see “these are the treaties and clauses that apply to this claim” without having to dig through binders, PDFs, or shared drives.

Core AI functions

At its core, this agent performs document and policy cross-reference. It reads treaty documents and program metadata, indexes them by structure, clause, and applicability, then maps live policy and claim attributes against that index to determine which sections matter. The intelligence lies in consistently matching product, geography, dates, and limits to the right treaty elements and presenting them in a concise, claim-friendly view, instead of expecting every user to navigate the full treaty text from scratch.

Problem solved

Without this agent, treaty lookups during claims are slow and manual: experts search through PDFs or old emails, interpret applicability case by case, and risk missing relevant clauses or misreading how a treaty should respond. That delays decisions, creates variability in how treaties are applied, and can lead to under- or over-recoveries. The agent replaces those ad hoc lookups with a standardised, system-driven way of getting from “here is the claim and policy” to “here are the relevant treaties and clauses,” in one step.

Business impact

The main impact is speed and quality of reinsurance use during claims. Claims and reinsurance teams get to the right treaty references faster, so they can assess coverage, sharing, and notification requirements sooner and move towards settlement and recovery without unnecessary delay. That supports faster recoveries and settlements, reduces the risk of missing reinsurance, and cuts rework caused by misapplied treaty terms. Over time, it also reduces reliance on a few key individuals for treaty knowledge, because much of that mapping is embedded into the system.

Integration and adjacent use cases

Integration complexity is medium: the agent needs access to treaty documents and program structures, policy and claim data from the core and/or claims system, and a way to write its cross-references and explanations back into the claim or reinsurance record.

Common combinations in this stack:

• Cession Eligibility Checker to determine which risks are even eligible for cession under the treaty program before cross-referencing;

• Retention Limit Validator to confirm that retained amounts on the policy or portfolio sit within treaty and internal retention limits before applying treaty logic to claims;

• Claim Sharing Agreement Trigger Agent to use the identified treaty clauses to decide when and how claim sharing should be activated between insurer and reinsurers; and

• Reinsurer Notification & Documentation Assistant to assemble and send the correct documentation packets to reinsurers using the exact treaty references and clauses surfaced by the Cross-Referencer.

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 fully traceable.