cluagents.com

🛡️ P&C Insurance · P&C Vendor Coordination

P&C Claims Vendor Coordination Automated: Inspectors, Adjusters and Contractors in 6 Days Instead of 18

Orchestrating the Risk DNA — P&C Vendor Coordination & Claims Velocity

Complete third-party vendor lifecycle orchestrated autonomously — from assignment to invoice approval. Vendor cycle compressed from 18 days to 6 days with zero email/phone relay.

Solution design · numbers modeled on the operation described

18 → 6
Vendor cycle days (eliminated human latency)
377%
ROI · Payback <1 week at 500 claims/mo
-80%
Operational effort + 70% faster execution
Every physical P&C claim requires multiple vendors — inspectors, adjusters, contractors, appraisers. Coordinating these isolated ecosystems manually stretches cycle times to 15–20 days, inflating reserves and costing millions in reserve carry.

// the problem

Physical P&C claims require coordinating multiple vendors — inspectors, adjusters, contractors, appraisers — across siloed systems. Manual emails, phone tag, and disconnected portals artificially inflate claim reserves and degrade claimant experience. Climate risk (+90% nat-cat losses), social inflation, and supply chain shocks compound the problem. Legacy RPA automates single clicks but breaks on changes and cannot own multi-step goals across vendors. Average cycle time: 15–20 days.

// what CLU does

CLU deploys Agent 03, an autonomous vendor coordination agent that manages the complete lifecycle from claim trigger to invoice approval. Claims System API triggers automatic assignment to the top-ranked vendor by specialty and ZIP. If no response in 4 hours, CLU auto-reassigns. SLA tracking runs continuously with T-24h and T-2h automated reminders. A financial control gate ensures no invoice exceeding pre-authorized estimates is approved without adjuster sign-off — human-in-the-loop enforced by design.

// the agents, in order

  1. 1
    Assignment Agent
    Claim System API triggers query to Vendor Portal by specialty + ZIP — assigns to top-ranked vendor automatically, auto-reassigns if no response in 4 hours
  2. 2
    SLA Tracker Agent
    Monitors scheduled visits, reports, and invoices with T-24h and T-2h automated reminders — zero missed appointments, zero manual follow-ups
  3. 3
    Document Receipt Agent
    Routes completed reports to Document Management API and fires instant Slack alert to adjuster — nothing sits in an inbox
  4. 4
    Invoice Control Agent (HITL)
    Pushes invoice to Document Management API → Slack alert to adjuster. Policy gate: never approve invoice exceeding pre-authorized estimate without human sign-off
  5. 5
    Vendor Scoring Agent
    Flags vendors with 2+ missed deadlines in 30 days — continuous quality control without manual audit, feeds next assignment rankings

// systems it talks to

  • Claims System API
  • Vendor Portal API
  • Document Management
  • Slack
  • Audit Log

// the economics

$2,240 gross monthly savings · Net $1,770/mo · 20–30% CSAT lift · 360° process visibility

// CLU · the agent factory

Is your operation like this one?

Describe it in your own words on the home page. CLU draws your process as an operation map, with the agents, the systems and an estimate for your volume.

Draw it for my operation ▶or book 20 min

// more cases in P&C Insurance

← all use cases