ZECH
Industry

AI for insurers that keeps adjusters and underwriters in charge of the decision.

We help carriers, managing general agents and brokers handle the documents and correspondence that surround every claim and submission, with human review at each decision point and a clear record of what the system contributed.

Use cases we can explore
  1. Claim file summarization
  2. Loss run extraction
  3. Fraud indicator review
  4. Subrogation opportunity flags

Workflows we work on

  • 01

    First notice of loss and claims intake

    Claim notifications arrive by form, email, phone transcript and photo. Details are extracted, coverage-relevant facts are checked against the policy, and a structured claim file is opened for the adjuster with gaps listed.

  • 02

    Underwriting submission intake

    Broker submissions with applications, schedules and loss runs are read and normalized into the underwriting workbench, and the underwriter sees what is missing or outside appetite before starting review.

  • 03

    Coverage and wording questions

    Claims and service staff ask whether a situation is covered under a given policy form and receive the relevant clauses, endorsements and internal guidance, cited, for them to interpret.

Constraints we design for

  • Coverage decisions stay human

    The system can surface clauses and inconsistencies. It does not approve, deny or settle a claim, and its outputs are worded to support rather than replace that judgment.

  • Fairness and explainability

    Any scoring used in underwriting or claims triage is documented, tested for unwanted bias against your criteria, and explainable to a regulator or policyholder.

  • Policy form versions

    Answers must reference the form and endorsement version in force on the loss date, not the current wording.

  • Legacy policy systems

    Core systems are often decades old. We integrate through available interfaces and staging data rather than requiring a platform change.

Use cases we can explore

Claim file summarization
Summarize correspondence, reports and notes so an adjuster picks up a file quickly.
Loss run extraction
Turn broker loss runs in varied layouts into structured data for pricing review.
Fraud indicator review
Flag patterns worth a closer look and assemble the evidence for a special investigations team.
Subrogation opportunity flags
Identify claims with likely third-party recovery for a specialist to assess.

Where we start

Discovery begins with a few direct questions about your operation.

  • 01Where do claims or submissions wait longest before a person can act on them?
  • 02Which document types arrive in the most inconsistent formats?
  • 03What would your compliance team need to see before approving an AI-assisted triage step?
  • 04How are policy forms and endorsements versioned and stored today?

Questions buyers ask

No. We build systems that prepare claim files, surface relevant policy language and flag inconsistencies. Coverage and settlement decisions stay with licensed adjusters and your claims authority rules.

Tell us the workflow you want to improve.

Tell us about the workflow or product. We reply with questions, a suggested first step and who would work on it.