Five Sigma’s AI‑native Claims Management Platform, powered by the Clive™ multi‑agent AI Claims Expert, is now deployed by Starr to accelerate its digital transformation of property‑and‑casualty and specialty insurance claims. The solution embeds artificial intelligence at every stage, from first notice of loss to final settlement, delivering faster, more accurate claim outcomes.
How the AI Claims Platform Transforms P&C and Specialty Insurance
The platform integrates AI throughout the entire claims lifecycle, continuously analyzing incoming data, orchestrating workflow steps, and providing real‑time guidance to human adjusters. By automating routine tasks and dynamically planning claim handling, the system adapts to each insurer’s procedures without requiring a complete system overhaul.
AI Integration Across the Claims Lifecycle
From the initial notice of loss (FNOL) through investigation, evaluation, and settlement, AI models evaluate risk, suggest actions, and monitor performance metrics. This end‑to‑end intelligence reduces manual effort and improves decision quality at every touchpoint.
Clive™ Multi‑Agent AI Claims Expert
Clive™ acts as an “AI adjuster,” overlaying any existing claims management system. It automates data entry, document classification, and recommendation generation, allowing adjusters to focus on complex judgment calls while maintaining a single source of truth.
Benefits for Starr and the Insurance Market
Starr expects significant improvements in operational efficiency and customer experience. The AI‑driven approach aims to shorten claim cycle times, lower loss‑adjustment expenses, and boost adjuster productivity, setting a new performance benchmark for large commercial insurers.
Reduced Cycle Times and Cost Savings
By streamlining workflows and providing instant, data‑driven insights, the platform helps insurers achieve material reductions in processing time and associated costs, enhancing profitability and policyholder satisfaction.
Scalable Deployment on Existing Systems
The overlay architecture eliminates the need for costly core system replacements, enabling rapid adoption across diverse technology stacks while maintaining regulatory compliance.
Technical Highlights
- AI‑native architecture built around machine‑learning models rather than retrofitted code.
- Real‑time data analysis delivers context‑aware recommendations as new information emerges.
- Overlay capability allows integration with any claims management platform.
Future Outlook for AI‑First Insurance Operations
Insurers that adopt AI infrastructure now will be positioned to lead their markets as claim volumes rise from climate‑related events and increasingly complex specialty lines. Continuous automation and decision support are becoming essential for maintaining profitability and delivering superior customer service.
About Five Sigma
Five Sigma provides AI‑native claims management technology to insurers, managing general agents, third‑party administrators, and reinsurers. Its flagship offering, Clive™, functions as a multi‑agent AI Claims Expert that automates routine tasks and guides claim handling across any platform.
About Starr
Starr is a global investment and insurance organization that underwrites complex commercial and specialty risks worldwide, focusing on innovative solutions to enhance claim processing and policyholder experience.
