ask the record01 / 04
systems
people
Ask anything about your operations…
↑Two sources of truth, one answer.
What the systems say, and what the agent saw people do. Both cited, both in the brief.
time to answer · minutesopen brief ↗
BPhoto front · one wide terminal image in a blue duotone across the panels, the reference's own move, flipping to the cards
Enterprise AI
for Insurance
Where claims, underwriting and servicing turn into finished work, end to end.
Claims
Cycle time, supplements and leakage traced to the step and the adjuster’s method. The call before the dispute, written as the SOP.
Underwriting
What the best underwriter checks before quoting, learned from how they work. Cited from the submission, the loss runs and the guidelines.
Policy servicing
Renewals and endorsements that wait on whom, cleared same day. Broker questions answered from the record, not the inbox.
What changes
Three things a carrier gets back.
- 01Shorter claims cycle
Supplements, reinspections and reopened files traced to their step. The fix becomes the procedure, not a memo.
- 02Hours back to adjusters
The questions that took a day of calls answered in minutes, cited from the claims system, the estimates and the mail. Adjusters adjust.
- 03Leakage caught before close
Estimates matched against guidelines and history every week, not at audit. A person signs off on every reserve change.
Ask the record
Questions a carrier could never ask the claims system. Now you can.
Answered from your claims and policy systems, your broker portals, your mail and the way your best people work. Cited, and handed to a person to decide.
Sources of truth
The record is already in your claims system.
Claims, policy admin, estimating tools, broker portals, the guidelines in Drive and the thread in mail, read together with the access you already grant. Read-only. A new source takes days.
What the forward-deployed agent learns
Your best adjuster’s judgement, written down.
Observe watches how the work actually runs across the claims system, the estimating tools, the contractor calls and the judgement calls in between. It writes the SOPs. One person reviews.
- Switched on in the open. Visible to everyone from day 0.
- Watches how the work actually runs, not what the manual says.
- Writes the SOPs. One person reviews before it becomes the way.
appswebcallsjudgement
How Observe works on a claims desk Observe · activity log.
Department, role, what they did, and what Observe made of it.
liveopen log ↗
What the record gives back
Measured in files.
Time to answer, claims cleared, procedures written down, estimates matched. Counted from your own record, from week two.
Every number cites the record it came from.
Nothing counted without a person signing off.
Measured per adjuster and per line, not per seat.
Files per adjuster.
Files handled per adjuster, before and with Karez, from the week it is connected.
from your record · quarter oneopen the record ↗
Why Karez for insurance
Built for carriers that run on judgement, not just rules.
Your people’s judgement, kept
The adjuster who calls the contractor first, the underwriter who pulls three years. Observe learns it, the record keeps it, the agents run it.
In your cloud, read-only
Your AWS, Google Cloud or Azure account. Your model keys. Nothing leaves, and every read is logged.
A person signs off
Every reserve change, every SOP, every decline waits for a named reviewer. Agents run the repetitive work, people decide.
Days, not a quarter
Sources on day 0. Claims and renewals mapped in week 1. First brief and SOP drafts with a reviewer in week 2.
Before the first call
Questions we get from insurance.
From claims, underwriting and operations leaders, before they book time.
Ask one yourselfWhich claims and policy systems does it read?
Any system you can grant read access to: Guidewire, Duck Creek, Xactimate, CCC, ISO, broker portals, your warehouse and your mail. A new source takes days, with the permissions you already have.
Does it replace adjusters or underwriters?
No. It learns how your best ones work and writes it down, so every file runs that way. Agents take the repetitive steps. People take the calls that need judgement.
What does the forward-deployed agent watch on a claims desk?
How the work gets done: the claims screens, the estimating tools, the contractor calls and the judgement calls in between, switched on in the open. It writes processes and SOPs, never scores a person, and every output goes to a reviewer.
How does this sit with our regulators?
It runs in your cloud, read-only, with every read logged and every write waiting for a named person. SOC 2 Type II. Nothing acts on a policy or a reserve without a reviewer.