The AI Layer That Makes Underwriting and Claims Effortless
Clairveil unifies underwriting intelligence and claims automation for mid-market carriers — with explainable AI regulators trust and results in weeks, not quarters.
Trusted by mid-market P&C carriers
Mid-market carriers are caught between tools that do too little and platforms that cost too much.
Enterprise AI vendors quote 12-month implementations and seven-figure contracts. Point solutions automate one workflow while leaving the rest manual. Your underwriters are still toggling between spreadsheets and legacy systems while competitors move faster.
One platform. Both sides of operations. Auditable by design.
Clairveil connects your underwriting intelligence and claims routing in a single environment — every decision logged, every factor visible, every output defensible in a regulatory exam.
Two sides of operations. One auditable platform.
Clairveil integrates directly with your policy administration and claims systems — unifying intelligence across the full carrier workflow.
Underwriting decisions in seconds, with full factor visibility.
Clairveil's underwriting engine evaluates submission risk against your appetite rules, third-party data, and loss history — returning a structured decision with every contributing factor ranked by influence.
- Appetite rules configured to your book
- Automatic third-party data enrichment
- Audit-ready decision logs per submission
- Appetite drift detection and reporting
Route the right claims to the right desk automatically.
Clairveil evaluates each claim on first notice of loss — determining straight-through processing eligibility, reserving accuracy, and optimal adjuster assignment based on complexity, coverage, and jurisdiction.
- FNOL triage with complexity scoring
- Straight-through processing for eligible claims
- Reserve recommendations with confidence intervals
- Fraud indicator flagging with explainable triggers
AI your regulators — and your board — can examine.
Every decision Clairveil makes is documented in plain language — which factors drove the outcome, what weight each carried, and how to revisit the decision if circumstances change.
- Plain-language decision rationale per policy
- State regulatory exam export package
- Model drift monitoring and alerts
- Adverse action notice generation
Application assigned to underwriter review based on elevated GL exposure in flood zone 3A, combined with prior large-loss history exceeding threshold. All 4 contributing factors are documented below.
"We reduced underwriting decision time from four days to under three seconds. The audit trail gave our compliance team confidence we hadn't felt with AI before."
Clairveil gave us something we couldn't get from the big vendors: a platform that understood the mid-market carrier workflow, could be explained to regulators without a translator, and was live in under ten weeks.
A $650M written premium carrier was running claims on a manual triage process — an adjuster team reviewing every FNOL by hand, producing a 6-day average cycle time and a growing backlog during peak loss season.
After deploying Clairveil's claims automation module, 68% of personal lines claims now process straight-through without manual review — reducing average cycle time to 1.4 days and freeing senior adjusters to focus on complex commercial losses.
Results based on verified carrier data. Outcomes vary by book of business and deployment configuration.
Questions carriers ask before deploying Clairveil.
Built for VP Operations, CTO, Heads of Underwriting and Claims at mid-market P&C carriers evaluating AI for the first time — or replacing a solution that didn't deliver.
How quickly can Clairveil be deployed at my carrier?
Most mid-market P&C carriers are live in 8 weeks or fewer. Our implementation team handles system integration with your policy administration and claims management platforms, data mapping, and appetite rule configuration. We deliver a firm timeline and integration map before you sign.
How does Clairveil handle regulatory explainability requirements?
Every decision Clairveil makes — underwriting approvals, referrals, claims routing — is documented with a plain-language rationale listing each contributing factor and its relative weight. We generate state regulatory exam export packages on demand and support adverse action notice generation for declinations.
What is the difference between Clairveil and enterprise AI vendors?
Enterprise vendors like Guidewire and Shift Technology target billion-dollar carriers with 12-18 month implementations and seven-figure contracts. Clairveil is purpose-built for mid-market P&C carriers ($100M–$2B written premium) — with pre-built connectors, an 8-week deployment process, and pricing designed for your scale.
Does Clairveil cover both underwriting and claims, or just one?
Clairveil unifies both sides of carrier operations in a single platform. The underwriting intelligence module handles submission evaluation, appetite rule application, and decision documentation. The claims automation module handles FNOL triage, straight-through processing eligibility, reserve recommendations, and fraud indicator flagging.
What are Clairveil's security and compliance certifications?
Clairveil is SOC 2 Type II certified and NAIC-compliant. We maintain a 99.97% uptime SLA. All data is encrypted at rest and in transit. Full audit trails are maintained for every decision and are available for regulatory examination on request.
See Clairveil working on your actual book of business.
Our implementation team works with your existing policy administration and claims systems. A focused 60-minute session shows you exactly what automation rates and decision quality you can expect — before you commit.
No 12-month commitment required to get started. Average time to first production decision: 8 weeks.