Liberty Mutual uses "AL" for Auto Liability. Travelers uses "CAL". Hartford uses "CommAuto-Liab". The same coverage, three different codes. Multiply by 50 carriers and 58 products.
A discrimination claim filed under "General Liability" should be EPL. A police excessive force claim coded as "GL" should be Law Enforcement Liability. Carriers often misfile. and underwriters inherit those errors.
A $1.1M property claim on a policy with no property coverage isn't a mapping failure. it's a critical finding. But when everything lands in a spreadsheet, these signals get lost.
Loss run PDF from prior carrier lands in underwriter's inbox. Format unknown until opened.
Underwriter or assistant manually keys claims into spreadsheet. Date of loss, description, amounts, carrier codes.
Underwriter mentally maps carrier codes to coverage lines. "CommPkge" → probably Property? Or GL? Context-dependent.
Compare claims against policy coverages to identify relevance. Often skipped under time pressure.
Underwriter prices based on incomplete picture. Some claims miscategorized, some exposures undetected.
Extract claims from any carrier's PDF format. Normalize dates, amounts, descriptions. Capture LOB codes exactly as provided. Confidence scores on every field. when extraction is uncertain, we flag it rather than guess.
Map carrier codes to your canonical coverage products using a 5-tier algorithm: direct LOB lookup, alias matching, package hint detection, AI-powered inference, and description analysis. Every mapping includes method and confidence.
Detect misclassified claims using 19 EPL indicators, law enforcement keywords, sexual abuse patterns, and more. A claim coded "GL" with "EEOC" or "discrimination" in the description gets reclassified to EPL. because that's what an experienced underwriter would do.
Match claims against active policy coverages. When a claim maps to a coverage the account doesn't have, flag it as "Uninsured Exposure". not as a mapping failure. A $1.1M property claim with no property coverage is a critical underwriting finding.
Generate Excel reconciliation with full audit trail: every claim, its original code, mapped product, mapping method, confidence score, and override reason if applicable. Underwriters see exactly why each claim landed where it did.
Every claim shows how it was mapped: direct lookup, alias match, AI inference, or override. No hidden logic.
When the system reclassifies a claim, it shows the trigger keyword and the override rule that applied.
Low-confidence mappings are flagged for review. The system recommends. it doesn't decide autonomously on uncertain cases.
Excel reconciliation includes methodology reference, override priority hierarchy, and execution checklist for compliance review.
| Capability | Traditional Insurtech | ElevateNow |
|---|---|---|
| PDF Extraction | Generic OCR, format-specific | Multi-carrier with confidence scores |
| Code Mapping | Simple lookup table | 5-tier algorithm with 1,500+ aliases |
| Misclassification | Accepts carrier coding | Override intelligence (EPL, LEL, SAM) |
| Coverage Gaps | Not detected | Uninsured exposure flagging |
| Explainability | Black box output | Full provenance on every claim |
| Multi-Policy Batch | Manual file matching | Automatic loss run to policy matching |
Automated extraction, mapping, and reconciliation. Underwriters receive structured output ready for review. not raw PDFs requiring manual processing.
Override intelligence catches what carriers miss. A discrimination claim coded as GL gets reclassified to EPL. because that's where it belongs.
Uninsured exposures flagged before they become surprises. A $1.1M property claim on a no-property policy is a finding, not a failure.
Every mapping includes method, confidence, and reasoning. Underwriters verify rather than wonder. Auditors trace rather than question.
Process multiple loss runs against multiple policies in a single batch. Automatic matching by insured name. no manual file renaming required.
Excel reconciliation with claim-level detail, category summaries, and methodology reference. Ready for compliance review without rework.
Join specialty carriers turning PDF chaos into underwriting intelligence. with governance encoded, provenance included, and coverage gaps surfaced.