Claims / First notice of loss
Four doors in, one inventory out
First party, third party, workers’ compensation and agentic capture — plus a guided wizard, a virtual call center and bulk upload. However a loss arrives, it lands in one place.
The intake route shapes what must be captured. A third-party notice is not a first-party notice with different labels, and pretending otherwise corrupts the file from the first minute.
Take a notice with usDoes it matter which door a loss comes through?
For what gets captured, yes — each door collects what its situation requires. For what happens afterwards, no. Every route produces a claim in the same inventory, with a generated self-describing claim number, coverage verified and assignment already run.
Plus bulk and agentic
The four doors
- 01
First party FNOL
The insured reports their own loss. Policy, insured, loss facts, coverage and contacts — with verification running as the notice is taken.
- 02
Third party FNOL
A claimant who is not the insured reports against the insured’s policy. The first name captured is the claimant, not the insured — a distinction the form makes explicit because reversing it corrupts everything downstream.
- 03
Workers’ compensation FNOL
Jurisdictional intake for indemnity and medical, with the statutory reporting the line demands computed from the loss and report dates.
- 04
Agentic intake
Documents are read, facts extracted, claimants counted, and a draft presented for review. Nothing becomes a claim without a reviewer promoting it.
- 05
Bulk upload and call center
Batch intake for carrier feeds, and a virtual call center for notices taken by people who are not on your staff.
What happens at creation
Every route, the same guarantees
These run regardless of which door was used, which is what makes the inventory trustworthy as a single work queue.
| At creation | Behavior |
|---|---|
| Claim number | Generated, self-describing, never reused |
| Coverage | Resolved against the policy version in force at the loss date |
| Assignment | Runs immediately, filtered by state licensing |
| Statutory clocks | Computed per jurisdiction from loss and report dates |
| Parties | De-duplicated against the organization address book |
Intake quality still matters
Good structure cannot rescue a notice taken carelessly, and we would rather say so than sell intake as a solved problem.
Wrong facts propagate
Coverage verification and deadline computation both read what was reported. Corrections re-run them, and the change is recorded rather than hidden.
Agentic intake needs review
Extraction is a draft with confidence per field. A reviewer confirms or corrects — that step is not optional and not skippable.
Bulk feeds need mapping
A carrier’s bulk format has to be mapped once. That is setup work, not a switch.