AGENT 28 / 11 · RETAIL & E-COMMERCE · INSURANCE OPERATIONS

FNOL (First Notice of Loss) Intake Agent

Triages a digital claim from photos and description at the moment it's filed, routing straightforward losses to fast-track settlement and complex ones straight to a specialist adjuster.

READS FROMPolicyholder photos/video, claim descriptions

MCP SERVERInsurance Data Server

MODELRouted to reasoning-tier open model

HANDS OFF TOInsurance Fraud Investigator

RUN THE AGENT

Set your claim volume, model the triage impact

Adjust volume, automation rate and misroute rates and the agent recalculates hours saved and misroute cost avoided instantly.

ASSUMPTIONS

Monthly FNOL submissions 1800

Claims auto-triaged from photos/description 65%

Manual triage time per claim (min) 25

Agent triage time per claim (min) 2

Staff cost per hour (£) 28

Severity misroute rate, manual 8%

Severity misroute rate, agent 3%

Cost per severity misroute (£) 350

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Claims auto-triaged / month

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Staff hours saved / month

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Labor savings / month

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Misroute cost avoided / month

Metric	Value

HOW IT WORKS

What the agent actually does

1. Capture the loss	Ingests the policyholder's photos, video and free-text description at first notice of loss.
2. Assess severity	Classifies likely damage severity and coverage type from the visual and text evidence.
3. Route automatically	Sends straightforward claims directly to fast-track settlement and complex/high-severity claims to a specialist adjuster.
4. Hand off	Passes routed claims into the adjuster queue with the assessment attached, and flags patterns suggestive of fraud to the Insurance Fraud Investigator.