For owner-principals, COOs & heads of claims and underwriting
Alcumen is the done-for-you AI back office for insurance distribution and claims firms. We turn your own guidelines and decision trees into a running system your team owns — with a licensed human on every decision and a write-once record behind every run.
- Runs on your infrastructure
- Nothing leaves the device
- Write-once audit trail
- Built for the exam
The problem
You can't hire your way out of this — and the combined ratio doesn't care how busy your team is.
The labor pool is shrinking, backfills are hard to find, and every claim and policy still has to be touched. Three vendors have pitched you “AI” and none knew your lines. Meanwhile your CFO wants the impact on a named P&L line, not a story about time saved.
The math
Is AI material against my premium — or hype I'll have nothing to show my partners for?
Burned before
Three insurtech vendors pitched “AI” and none knew my lines, states, or authority thresholds.
CFO-proof or bust
Soft “time saved” won't survive my CFO — I need hard dollars on a named P&L line.
The outcome
The goal: fewer labor dollars per claim and per policy — with no new E&O or market-conduct exposure.
Same or growing book, a back office that costs less to run and breaks fewer things, and a combined ratio that bends the right way. You look bigger and tighter than a firm your size has any right to be.
Lower loss-adjustment & servicing expense
Designed to cut labor dollars per claim and per policy — not by cutting people, by removing the grunt work.
Capacity without headcount
Reclaim hours per employee instead of hiring backfills you can't find in a shrinking labor pool.
No new regulatory or E&O risk
A licensed human gates every decision, and every run is logged write-once for the exam.
We don't put a number on your book from the outside. The diagnostic models it in your own dollars, and the Proof-First pilot measures it — before anything is contractual.
Two-minute diagnostic
See your number — in your own dollars.
The Back-Office Leakage Diagnostic models the loss-adjustment and servicing expense your firm may be recovering, computed on your device from the low end of measured ranges. It's an illustrative model, not a quote — we validate it on your book in the pilot.
The Control Room
What the Control Room does.
One system across your four back-office functions — claims, underwriting, sales, and policy servicing — built for the exam, not just the demo.
Proof-First Diagnostic
We instrument your book and show you the money first, so the go/no-go is on paper before you commit.
Compliance & E&O Shield
A human gate on every decision and a write-once audit trail — the evidence a market-conduct exam asks for.
You-Own-It Build
Built on infrastructure you control, with full source handed over and written exit terms.
Data Sovereignty
Your guidelines stay your IP; PII is minimized and kept in your approved environment.
Any-System Integration
Applied Vision, Sagitta, AS400, rating engines, carrier portals — bridged with no API required.
Combined-Ratio ROI Dashboard
The impact in your CFO's language: LAE, expense ratio, and capacity per FTE.
- Human-gated
Human gate on every decision.
AI drafts and scores; a licensed human approves every coverage, denial, payment, and material-record action.
01 / 04 - Human-gated
Write-once audit trail.
Raw-payload provenance on every run — the documentation a market-conduct exam asks for.
02 / 04 - Human-gated
Your data stays yours.
Minimum-identifier prompting, no-training data handling, deployed in your approved environment.
03 / 04 - Human-gated
You own it.
Built on your infrastructure; full source handed over; you keep everything if we ever part.
04 / 04
The engagement
How an engagement works.
Proof-First Diagnostic
We instrument your book — a baseline on your real numbers and one live workflow — so the decision is evidence, not a pitch.
Proof-First Pilot
One real workflow live on your data in weeks: a measured number you can stand behind, not a model.
The Build
We build the highest-P&L workflows on infrastructure you own, integrated with your actual AMS, with the human gate and audit trail throughout.
Managed Operation
We run it, keep it current as rules change, and prove the impact on your P&L — with a named owner, no in-house developer required.
Why Alcumen
Why Alcumen.
Alcumen is built by an operator who reads insurance guidelines for a living — not a horizontal-SaaS team retrofitting a chatbot. Every workflow starts from your own underwriting guidelines and claims decision trees, keeps a licensed human at every decision, and leaves a record an examiner would recognize. The goal isn't a demo that impresses a buyer — it's automation that survives an exam.
FAQ
The questions a principal actually asks.
Will this raise my E&O premium or fail a market-conduct exam?
Where does my data go? My guidelines are my edge.
My AMS is a 20-year-old AS400 with no API. Will it integrate?
Do you actually know insurance, or is this a horizontal AI tool?
My team is tenured and non-technical — will they use it, or revert?
How do I prove it worked to my CFO?
Want the numbers run on your own book?
See your modeled leakage in two minutes, or book a 15-minute call and we'll tell you honestly whether this is worth your time.