Defensibility
ClaimRoute is not a wrapper. It is an auditable workflow engine for claims ops.
How we're different
- Completeness-first FNOL: we finish the file, not just capture a report.
- Routing that sticks: policy-based triage with escalation gates and audit trail.
- Proactive digital updates to reduce status-chasing loops.
Trust rule: AI drafts, humans decide for sensitive outcomes.
The wrapper test
- What state is this claim in, and why?
- What evidence supports each field in the case file?
- What happens automatically after three days of no response?
Defensibility stack
Long-running orchestration
Retries, SLAs, reminders, and idempotency.
Policy engine + approvals
Guardrails with supervisor gates.
Routing + completeness rules
Explainable and simulatable decisions.
Audit-first evidence
Immutable timeline and binder exports.
Why the moat compounds
- Exception taxonomies and completeness benchmarks by segment.
- Institution-specific routing policies and templates.
- Evidence formats used in audits and reinsurance reviews.