What we build
One system across your four back-office functions, built on your own guidelines and infrastructure, with a licensed human on every decision. There's no checkout here — every engagement is scoped in conversation, starting with a Proof-First diagnostic on your book.
What's inside the Control Room
Proof-First Diagnostic
“Prove the dollar impact is real on my book before I commit.”
A model run on your premium, claim counts, and FTE costs, a baseline on your real numbers, one live pilot workflow, a named-system integration test, and a board-ready go/no-go you carry into your partners' meeting.
You-Own-It Build
“I can't trust an AI vendor, and I won't be locked in.”
Built on infrastructure you control, with full source handed over, an insurance-native team, runbooks and an independence handover, and written exit terms — if we part, you keep everything and it keeps running.
Compliance & E&O Shield
“Regulators, my E&O carrier, and a market-conduct exam will punish AI decisioning.”
A human gate on every coverage, denial, payment, and material-record action; write-once audit logging with raw-payload provenance; deterministic checks for filed-rate and authority logic; a deadline sentinel; a denial-rationale checker; and an exam-by-design governance pack with an E&O briefing for your carrier.
Data-Sovereignty Setup
“My guidelines are my edge and claimant PII is radioactive.”
Deployment inside your approved environment, minimum-identifier prompting, no-training data handling, and guideline sovereignty — your underwriting guidelines remain your IP, full stop.
SOP Excavation
“My SOPs live in three veterans' heads and a pile of spreadsheets.”
We extract the tribal knowledge into documented, executable workflows and hand you a keep-able SOP library — cleanup included, judgment-free.
Done-For-You Integration & Managed Operation
“Nothing integrates with my legacy systems and I have no IT staff.”
A build across your four functions' highest-P&L workflows, any-system / no-API integration (Applied Vision, Sagitta, ForeSight, AS400, Tropics, ClaimsPro, rating engines, carrier portals), read-safe and gated writes that protect your system of record, peak-proof resilience for CAT and open-enrollment, and managed monitoring — no in-house developer required.
Adoption & Enablement
“My tenured, non-technical team will resist and revert.”
Role-tailored micro-training, judgment-as-the-gate design so veterans get faster while their judgment stays the approval step, and a managed adoption program with a named owner so the new way sticks.
Combined-Ratio ROI Dashboard
“Soft ‘time saved’ won't survive my CFO.”
A pre-engagement baseline, a live dashboard converting time saved into dollars and tracking error and leakage reduction, leading indicators monthly and P&L attribution quarterly, and a CFO-ready model tied to combined ratio, LAE, and expense ratio.
Always-Current Maintenance & Drift Guard
“Regs change, models get deprecated, accuracy drifts — and I'll be dependent forever.”
Regulatory and carrier-guideline change monitoring with playbook updates within days, drift detection with backtest gates, model-version management, and quarterly QA with runbook redundancy so you're never hostage to one person.
The engagement
How an engagement works
Proof-First Diagnostic
We instrument your book and show you the money first — the go/no-go is on paper.
Proof-First Pilot
One real workflow live on your data in weeks: a measured number, not a model.
The Build
The highest-P&L workflows, on infrastructure you own, integrated with your actual AMS.
Managed Operation
We run it, keep it current, and prove the impact on your P&L, with a named owner.
There's no price list here on purpose. Fit and scope depend on your lines, systems, and where the leakage actually sits — so we start with the diagnostic and a short call, and quote only what we can stand behind.
Alcumen's tools and content assist licensed professionals; they do not make coverage, suitability, pricing, or compliance determinations. The licensed human of record is responsible for every client-facing or money-moving decision.
Start with the numbers on your own book.
Book a 15-minute call, or run the diagnostic first — we'll tell you honestly whether this fits a firm your size.