Insurance Operations.
Governed. Auditable.
Document-Ready.
TiZNO connects to your underwriting and claims operations, parses broker submissions and loss runs, reasons across policy wording and structured data, and proposes governed actions, with a complete audit trail and explicit human approval for every decision.
Underwriting is buried in document handling
Underwriters spend the majority of their time extracting and preparing data, not assessing risk. Broker submissions arrive as unstructured emails with inconsistent attachments.
Loss runs are slow to extract
Loss history is the backbone of underwriting judgment, but it arrives in inconsistent PDF formats that require manual extraction before any analysis can begin.
Claims teams face the same bottleneck
FNOLs, repair estimates, medical reports, and coverage checks must be assembled manually before a handler can make a triage decision.
Speed matters. Control cannot be sacrificed.
Insurers under throughput pressure cannot adopt black-box AI. Every underwriting and claims output must be traceable, human-reviewed, and auditable.
The Challenge
Insurance teams are not short of data.
They are short of capacity to process it.
The operational bottleneck in underwriting and claims is not the final decision. It is the preparation and document handling that precedes every decision, performed manually, inconsistently, and at volume.
Inconsistent broker submissions
Broker emails arrive in unstructured formats with varying attachments and incomplete risk data. Each submission requires manual assembly before assessment can begin.
Loss runs are unstructured
Loss histories arrive as PDFs with inconsistent layouts. Extracting meaningful multi-year trend data requires manual reading and rekeying on every single submission.
Policy wording lives in long documents
Coverage checks require navigating lengthy policy wordings, endorsements, and internal guidelines, documents that must be interpreted case by case under time pressure.
Underwriters are the bottleneck
Experienced underwriters spend significant time on administrative extraction and preparation, limiting the volume of risks they can assess and the decisions they can make.
Claims intake is manual and time-consuming
Claims handlers must manually read and correlate reports, photographs, policy wording, and case notes before they can assess a claim or propose a next step.
Audit and QA reconstruction is painful
When a decision is challenged internally or by a regulator, teams reconstruct the reasoning from email threads, notes, and memory, under pressure and without a complete record.
The TiZNO Solution
Read the submission. Retrieve the guidelines.
Draft the output. Route to approval.
Four deterministic phases from raw document ingestion to a fully governed, auditable underwriting or claims output.
Connect without migrating
TiZNO connects to your policy administration, claims, and document systems through secure, controlled integrations. Broker emails, PDF attachments, loss runs, and policy documents are processed without leaving your perimeter. No data migration. No core-system replacement.
Reason across structured and unstructured data
Atlas semantically indexes your underwriting guidelines, policy wordings, internal appetite notes, and procedural documents. The Orchestrator runs agentic retrieval to cross-reference live operational data against unstructured document context, producing reasoned risk assessments with direct policy citations.
Generate governed outputs
TiZNO proposes action cards, drafts underwriting risk summaries, coverage notes, broker response emails, claims triage reports, and escalation recommendations. Every output cites the data source and policy clause it was derived from. Nothing is generated without traceable evidence.
Human approval. Full trace.
No action is executed without explicit human approval. Action cards are routed to the appropriate underwriter or claims handler with full reasoning context. The complete execution trace, every retrieval step, inference, and decision, is logged for internal audit and regulatory review.
Insurance Use Cases
Specific to underwriting and claims reality.
Not a generic AI deployment.
Each workflow is built around real insurance operational pain points. Expand any case to see exactly what TiZNO automates, what your team retains, and what the operational outcome looks like.
Workflow Example
Commercial motor fleet submission.
From broker email to underwriter decision.
A realistic step-by-step trace of how TiZNO processes a broker submission, from raw inbound email to structured action card, human approval, and immutable execution log.
Broker submits commercial motor fleet quote request
Email arrives: 'Fleet Insurance Submission, Acme Fleet Ltd'. Two attachments: proposal form PDF, 3-year loss run. The underwriter's inbox already holds 14 other open submissions.
TiZNO parses email and extracts submission data
Email text parsed. Attachments ingested. Fleet size (47 vehicles), vehicle types (HGV/LCV mix), sum insured (£3.2M), risk address, insured's business type, and broker reference all extracted into structured fields. Representative illustrative run: target processing under 90 seconds (workload-dependent).
Loss run PDF analysed and structured
36-month loss history extracted: 8 incidents, £142,300 total incurred, £98,400 paid, £43,900 outstanding. Loss ratio: 17.4%. Frequency trend: stable. Severity: one outlier event year 2 (£62k, lightning strike). Structured output ready.
Underwriting guidelines retrieved from Vault
Fleet UW Manual §4.1.2 retrieved: large fleet appetite confirmed. Acceptable LR threshold for 40+ vehicle fleets: ≤22% for standard terms. §4.3.1: outlier events may be excluded from trend analysis with underwriter sign-off.
Risk summary and action card drafted
Risk profile structured: fleet within appetite, LR within threshold (17.4%), outlier event noted with guideline reference. Missing information identified: driver age profile not provided. Action card generated.
Underwriter reviews and approves action card
Underwriter reviews structured risk summary, loss history, and guideline citations. Agrees with indicative assessment. Edits one field (adjusts sum insured note). Approves action: request driver schedule from broker before binding.
Broker RFI drafted, reviewed, and sent
Missing-information email drafted by TiZNO, reviewed by underwriter, and approved. Cites specific gap: 'driver age profile required per fleet underwriting policy §4.2.3'. Response expected within 2 business days.
Execution trace logged immutably
Every step captured: email received, attachments parsed, data extracted, guidelines retrieved (with specific clause references), risk summary drafted, underwriter edit recorded, action approved, RFI sent. Available for audit, QA, or dispute reference.
Security Architecture
Built for your InfoSec team
to approve. Not to work around.
Insurance firms handle sensitive policyholder, claims, and personal data, often on fragile legacy systems. TiZNO was designed from the ground up for this environment.
No data migration required
TiZNO connects around your existing policy administration, claims, and document systems. No core system replacement. No data migration before evaluation or deployment.
Controlled system integrations
Integrations to PAS and claims platforms are read-oriented and controlled. No write actions execute to production systems without explicit human approval.
Zero-retention document handling
Sensitive broker submissions, loss runs, and claims documents can be processed ephemerally. Documents are not retained for LLM training or secondary purposes.
Tenant isolation
Your institution's data, workflows, and indexed documents are fully isolated from all other TiZNO tenants. No shared inference infrastructure across clients.
Role-based access controls
Underwriters see submissions relevant to their portfolios. Claims handlers see their cases. Access is governed at the record level, no over-exposure of sensitive data.
Immutable audit trail
Every retrieval step, inference decision, and human approval is logged immutably. Available for internal QA, regulatory review, complaints handling, or dispute resolution.
Human-in-the-loop by design
No underwriting recommendation, claims decision, or broker communication is executed without explicit human review and approval. The system is structurally incapable of uncontrolled write actions.
Enterprise API posture
TiZNO is enterprise workflow infrastructure, not a consumer tool. Governed API posture. No speculative outputs. All outputs cite the source document and specific section.
Designed for regulated insurance environments
TiZNO's architecture addresses the operational and governance constraints specific to regulated insurers: no uncontrolled write access, no speculative AI outputs, no dependency on a migration that disrupts legacy systems. Deployment is additive, a governed layer around your current environment, not a replacement for it.
The Fit
Not every AI tool is built for
governed insurance operations.
The market offers workflow platforms that can route tasks, and generic AI tools that can summarise text. Neither is designed for the specific combination of document complexity, regulatory accountability, and operational safety that insurance requires.
Traditional workflow platforms
- Route tasks between people
- Do not read document content
- Cannot extract loss runs or policy wording
- No understanding of submission context
- No output drafting or proposal capability
Generic AI tools
- Can summarise and paraphrase text
- Not workflow-governed or role-routed
- No audit trail or execution trace
- Uncontrolled outputs with no human checkpoint
- Not designed for regulated insurance operations
TiZNO
- Reads broker emails, loss runs, and policy wording
- Governs every output through human approval
- Full execution trace on every workflow step
- Designed for regulated insurance operations
- Integrates around existing PAS and claims systems
Projected Operational Impact
Target reduced manual insurance grind.
Without reducing control.
The projected operational value of TiZNO in insurance lies in compressing the preparation and document-handling work that precedes every underwriting and claims decision, shifting hours of extraction toward minutes of review (workload-dependent).
Submission-to-quote
Target: compressed preparation time
Underwriters are designed to move from raw broker email to structured risk summary without manual extraction. Preparation time is projected to compress into review time.
Loss run analysis
Projected near-real-time structured output
Loss history extraction that previously required 30–60 minutes of manual reading and rekeying is built to run automatically on each submission.
Claims intake
Target: faster, better-informed FNOL triage
Claims intake processing time projected to fall materially. Handlers are designed to make triage decisions with full context assembled, not assembled from scratch.
Underwriter throughput
More cases, same team
Built to remove the preparation bottleneck, existing underwriting teams are designed to assess a higher volume of risks without linear headcount growth.
Consistency
Systematic guideline application
Underwriting guidelines are retrieved and applied systematically on every submission, not dependent on individual familiarity with the policy manual.
Auditability
Complete execution record
Every AI-assisted workflow step is logged immutably. QA reviews, dispute responses, and regulatory enquiries are answered from the trace, not reconstructed from memory.
*Metrics represent projected illustrative outcomes based on TiZNO's agentic architecture and generative AI industry benchmarks.
Who It Is For
Built for the operators and decision-makers
who run insurance teams.
COO
Operating leverage
Increase underwriting and claims throughput without linear headcount growth. Reduce manual operational drag across document-heavy workflows.
Chief Underwriting Officer
Faster, more consistent underwriting
Compress submission preparation time. Improve consistency of guideline application across the team. Let underwriters spend time on risk judgment, not data extraction.
Head of Claims
Better intake and triage efficiency
Reduce claims intake processing time. Improve the quality and consistency of FNOL triage. Help handlers work more cases with better context.
Head of Operations
Less admin drag across workflows
Reduce repetitive document handling across underwriting, claims, and servicing teams. Improve throughput without increasing manual process complexity.
CIO / CTO / CISO
Secure, low-disruption integration
No core system migration required. Controlled integrations with read-oriented access. Tenant isolation. Zero-retention processing. Enterprise API posture. Full audit trail.
Underwriters & Handlers
Less document grind, better context
Start each submission or claim from a structured summary rather than a raw inbox. Spend time on judgment, not extraction. Every approval is logged to the record.
Deployment Model
A governed layer around your existing
systems. Not a replacement for them.
TiZNO does not require a PAS migration, a claims platform replacement, or a data transformation project before you can evaluate it. The deployment model is additive, low-risk, and designed for insurers operating on existing infrastructure.
Workflow selection
Select one or two high-volume workflows to pilot: typically broker submission intake, loss run extraction, or claims triage. TiZNO is most impactful where document handling volume is highest.
Architecture review
Review your current system landscape: PAS, claims platform, document stores, email routing. TiZNO integrates around the existing environment, no migration required to evaluate.
Synthetic dataset demonstration
We demonstrate TiZNO against synthetic or scoped datasets representative of your submission and claims types, without requiring live data in the evaluation phase.
Secure sandbox pilot
Controlled pilot in an isolated environment with a representative sample of real workflows. Your team reviews outputs, tests the approval interface, and validates the execution trace.
Workflow tuning
Pilot feedback drives workflow logic refinement: adjusting extraction templates, retrieval scope, output formats, and approval routing to match your operational preferences.
Controlled rollout
Phased production rollout around your existing systems. TiZNO operates as a governed layer on top of the current environment, not a replacement for any core system.
No commitment required to evaluate
The initial sandbox briefing uses synthetic data representative of your submission and claims types. You assess the output quality, interface, and integration approach before any production connection is required. TiZNO earns deployment by demonstrating value in a controlled environment first.
Ready to Deploy
See TiZNO inside your underwriting
and claims operations.
Request a secure sandbox briefing tailored to your institution's submission types, policy stack, and claims workflows. No commitment. No data migration required to evaluate.