$65B Global carrier partners with Indico Data to transform FNOL intake and accelerate claims response times

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FNOL Processing Time

Company
Profile

A leading global specialty insurer and reinsurer sought to modernize its claims and underwriting operations after identifying major inefficiencies in how First Notice of Loss (FNOL) and intake documents were being processed. Each claim required extensive manual data entry across multiple systems, creating costly bottlenecks, inconsistent response times, and customer frustration. As part of a larger initiative to centralize claims management through Guidewire ClaimCenter, the carrier aimed to automate data ingestion and improve speed and accuracy across 26 lines of business. By partnering with Indico Data and implementing Indico’s Claims FNOL Solution, the insurer has successfully eliminated manual handling, streamlined intake workflows, and dramatically accelerated claims response times.

Problem

Manual FNOL intake causing delays and inconsistent data

The carrier’s teams were processing FNOL documents manually, reading through emails, attachments, and scanned files to key in information for every claim. This process often took several days and required navigating multiple disconnected systems, leading to data inconsistencies and delayed customer communication. Without a centralized, automated solution, operations teams struggled to meet SLAs and ensure accuracy. The insurer needed a platform purpose-built for insurance that could automate intake from multiple channels, improve data validation, and integrate seamlessly into its existing Guidewire environment while providing a trusted partner for long-term success.

Solution

Automating FNOL ingestion with insurance-specific AI

Leveraging Indico Data’s AI-driven Claims FNOL Solution, the carrier transformed its manual intake process into a fully automated, straight-through workflow. The platform now classifies and extracts key information from documents including insured details, loss dates, and policy data across multiple intake channels such as broker emails, portals, and call centers. Indico’s out-of-the-box insurance models were quickly tailored to the carrier’s policies and document formats, ensuring a perfect fit within their Guidewire ClaimCenter integration. The implementation, completed in a matter of weeks, replaced manual data entry with high-accuracy automation and provided transparency and traceability for every claim processed.

Results

Faster claim setup and improved customer experience

With Indico Data, the carrier reduced FNOL processing time from five days to under 15 minutes, enabling near real-time claim setup and faster responses to customers. Operations teams now process thousands of documents with exceptional accuracy and consistency, freeing staff to focus on higher-value activities. The automation also improved SLA compliance and customer satisfaction by eliminating repetitive document requests and reducing errors. Building on this success, the carrier is expanding its use of Indico Data across additional lines and workflows to further enhance speed, accuracy, and scalability throughout the claims and underwriting lifecycle.