Commercial P&C insurers are facing unprecedented challenges. Claims volumes keep increasing, insured businesses want quicker responses and clear communication, and operational costs are under pressure. Traditional manual claims processes can’t keep up—leading to delays, errors, and dissatisfied policyholders.
Claims process automation applies AI, machine learning, and workflow automation across the lifecycle, enabling insurers to manage more claims with fewer errors, deliver faster settlements, and improve service quality. From intake to adjudication, compliance, and analytics, automation reduces manual work and equips teams with the insights they need to make better, faster decisions.
At its core, claims process automation involves using technology to simplify claims handling from start to finish. AI and machine learning can spot patterns, identify issues, and handle repetitive tasks like data entry. Workflow automation ensures tasks move smoothly between systems and people.
Traditional commercial claims operations depend heavily on manual processes. These include reviewing large loss reports, reconciling data, or validating coverage on liability exposures. These tasks take time and are prone to mistakes, making it hard for insurers to keep up with growing demand.
In contrast, claims process automation takes a broad approach, covering everything from the first notice of loss (FNOL) to settlement, fraud detection, and reporting. By automating multiple stages, insurers can lower operational costs and improve accuracy and speed.
Claims process automation offers clear benefits throughout the claims lifecycle:
Claims resolved through manual intake and review can take days or weeks. Automated systems speed up every step, from capturing FNOL to validating documents, helping insurers accelerate cycle times.
Human error in claims processing can result in costly mistakes. AI-powered agents accurately extract and validate data from structured and unstructured sources, reducing errors and ensuring compliance.
Automation enables insurers to manage growing claim volumes without significantly increasing staff. Teams can concentrate on higher-value tasks while AI agents handle repetitive or time-consuming work.
Today's policyholders expect transparency and real-time updates, whether it’s a property damage claim or liability exposure. Automated notifications and proactive communication keep customers informed.
AI systems can spot unusual patterns, flag potential fraud, and maintain audit-ready compliance records. Continuous monitoring offers insights into risk trends, helping insurers take proactive steps.
Insurers gain a competitive edge by implementing claims process automation. This balances operational efficiency with high-quality service.
Automation can influence every stage of the claims journey, providing efficiency and accuracy.
The first notice of loss sets the tone for the entire claims experience. Automation enables insurers to gather FNOL data from various channels, such as emails and web portals. AI systems quickly classify and organize the incoming information, which cuts down on manual entry errors and gets claims ready for fast processing. Standardized data helps downstream processes run smoothly, allowing teams to prioritize cases easily.
Claims triage decides which cases need urgent attention and which can proceed through a standard workflow. AI quickly evaluates the severity of claims and sets their priority, ensuring that critical claims receive prompt handling. For more information on AI-powered triage, see Modernizing Claims Triage with AI.
Claims often involve complex documents, including policies and remittance statements. AI agents use OCR, NLP, and data-matching techniques to extract and verify information, removing the need for manual data entry. By automatically validating claims data, insurers can save hundreds of staff hours and reduce error rates.
AI provides scoring and decision support, surfacing likely approvals or denials so adjusters can focus on exceptions and complex cases. Predictive analytics enhance speed and accuracy while keeping human expertise in the loop.
Automation speeds up settlements by calculating payouts based on policy rules and starting payments directly. This reduces manual processing delays, improves cash flow management, and improves service by delivering timely compensation.
AI monitors claims continuously and detects unusual patterns that may indicate fraud or compliance risks across large commercial portfolios. Real-time dashboards and analytics provide valuable insights, helping insurers spot risk trends. By combining intelligence from multiple sources, insurers can make data-driven decisions that protect their business and policyholders.
AI makes claims process automation practical by handling messy, unstructured data and reducing the manual work that slows insurers down.
With AI agents acting as digital assistants, insurers can ensure every claim is processed efficiently, accurately, and in line with company policies.
The success of claims automation can be measured through precise, tangible results. This year, claims processing times dropped 59% for firms using AI, and the average claims processing time has dropped to 36 hours among AI-enabled insurers.
Insurers notice a significant reduction in the time from first notice of loss (FNOL) to final settlement. Straight-through processing rates are increasing, meaning more claims are managed from start to finish with less human involvement. At the same time, errors and exceptions that used to need manual review are decreasing.
Insurers using Brisc AI have seen measurable improvements in each of these areas. By handling repetitive, time-consuming tasks, AI agents let human teams concentrate on more valuable, strategic decisions while maintaining enterprise-grade security and compliance.
We're moving toward a future where AI works smoothly with real-time data streams to change decision-making.
Predictive analytics will become more advanced, helping insurers predict claim outcomes, improve settlement strategies, and lower risk before issues escalate. Instead of reacting to problems later, insurance companies can take a proactive approach.
AI agents will increasingly act as decision partners for adjusters, reviewing evidence, highlighting insights, and suggesting next steps—while leaving final authority with human experts.
Together, these changes promise a claims process that is faster, more accurate, and more transparent.
Claims process automation is redefining how commercial P&C insurers handle growing volumes and complex exposures. By using AI-powered automation for FNOL capture, documentation, adjudication, settlement, and compliance, insurers can improve efficiency, cut costs, and deliver better service.
Brisc automates the heavy lifting in claims—extracting, validating, and structuring complex data so your teams can focus on fast, accurate decisions. Request a demo today to discover how Brisc AI can transform your claims operations.