Agentic AI for General Liability Claims in Insurance

General Liability insurance is highly litigated, with rising claim volumes, increasing bodily injury payouts, and escalating defense costs. Loss exposure and severity are hard to assess due to missing or incorrect details, unclear third-party involvement, and limited insight into long term medical or wage loss impacts, while even one misread coverage clause can trigger unintended defense or indemnity obligations.

These issues are worsened by late First Notice of Loss (FNOL), hidden litigation risk, fragmented documentation, and manual, reactive handling, leading to prolonged claim cycles and increased claims leakage.

Our Agentic Claims solution, powered by Azure AI Foundry and automated using the Microsoft Power Platform, is designed to enhance adjuster’ efficiency, preparedness, decision accuracy, and leakage reduction in the GL claims adjudication. It centers on operational excellence, smarter workflows, and improved adjuster enablement.

Agentic AI, built on Azure AI Foundry, augment adjusters in making faster, better-informed decisions across complex GL claims. AI supports adjusters by structuring and contextualizing claim information, enabling early loss exposure and severity assessment, surfacing coverage and third-party implications, and identifying potential litigation risk earlier in the lifecycle. As claims evolve and new information flows in, AI continuously updates the claim view and supports proactive actions such as evidence readiness, early resolution, or escalation.

The solution leverages a multi‑agent Agentic AI architecture orchestrated through Azure AI Foundry, integrated with Dynamics 365 Customer Service, Microsoft Fabric, and enterprise content repositories. Specialized AI agents autonomously handle document ingestion, contextual claim structuring, indexing, investigation support, and continuous file preparation for claims and litigation. By synthesizing large volumes of unstructured data and referencing historical litigation patterns stored in Microsoft Fabric, Agentic AI strengthens coverage interpretation, improves loss assessment accuracy, and continuous litigation readiness. Using Microsoft Power Automate and Power Apps, workflows are orchestrated end‑to‑end—reducing manual effort while keeping adjusters firmly in control of final decisions.