Underwriting referral
Take one referral workflow and show why the evidence supported bind, hold, decline, or escalation.
Insurance
Underwriting and claims proof that is stronger than the file.
Insurance decisions are built from messy evidence: submissions, broker narratives, control scans, claim notes, exclusions, missing facts, risk models, third-party reports, and human judgment. The customer workflow or a separately scoped adapter maps those sources into bounded summaries, references, hashes, and control results. Forge evaluates that contract and returns a proof trail a carrier, reinsurer, client, or audit team can review. Production use requires managed qualification.
Underwriting
Claims
Cyber
Specialty risk
Why buyers need it
The hard part is not making the call. It is defending the call later.
- Underwriting decisions. Show why a risk was bound, held, declined, priced, or sent for deeper review.
- Claims decisions. Preserve the evidence and policy logic behind pay, deny, escalate, reserve, or request-more-information actions.
- Cyber and specialty risk. Tie control evidence, external signals, exceptions, and uncertainty to the action the team took.
- Reinsurance and client review. Give outside reviewers the proof trail, not a set of disconnected file notes.
Where Forge sits.
| Before bind | Forge weighs the evidence package against the carrier's action menu and marks what supports the action, what conflicts, and what is missing. |
|---|---|
| During claim review | Forge preserves the policy rule, claim evidence, uncertainty, and human authority behind a pay, deny, escalate, or hold decision. |
| For audits | The proof trail lets an internal review team or outside stakeholder inspect the logic without rebuilding the file from memory. |
| Over time | Authorized customer outcomes can be retained for tenant-local calibration only with explicit retention opt-in. Without it, no calibration row is written. |
First workflow candidates.
Claim escalation
Preserve the policy rule, evidence trail, uncertainty, and authority behind a high-friction claim action.
Cyber control exception
Map the control evidence into the bounded Forge contract, then evaluate a clear action: proceed, condition, require review, or reject.
Bring the file that would be painful to defend.
Forge can start with a synthetic or sanitized underwriting, claim, or cyber-risk workflow and show the proof trail before any broad rollout is discussed. The walkthrough does not bind, deny, pay, or execute an insurance action.