Agentech Named Finalist for Technology Solution of the Year by Captive Review

June 10, 2025

Reimagining the Claims Workflow for Captives With Agentic AI Digital Coworkers

Captives have always done more with less. Tasked with delivering risk financing efficiency, long-term control, and tailored coverage, they’ve operated with leaner teams and tighter oversight than traditional carriers. But in today’s environment of increasingly complex claims, workforce limitations, and growing compliance pressure, “lean” is no longer enough. Captives now need scalable, intelligent tools that enable claims professionals to do their best work…without breaking budgets or sacrificing control.

That’s where Agentech comes in. And that’s why we’re honored to be named a finalist for Technology Solution of the Year in the 2025 Captive Review Awards.

This recognition underscores how agentic AI is fundamentally reshaping the captive claims model: not with chatbots or generic automation, but with purpose-built digital coworkers that support adjusters in doing faster, more accurate, and more scalable work.

The Hidden Strain Inside Captive Claims

At first glance, captives may seem well-positioned for efficiency. Smaller scale, fewer layers, broad collaboration, and a tighter alignment between risk and operations. But behind the scenes, many captive insurance programs are increasingly burdened by a shared set of challenges:

Limited internal QA or compliance support
Manual review of property claims files across jurisdictions
Workforce reduction and attrition due to retirement and lack of interest
Difficulty scaling resources during catastrophic weather events
Inconsistent documentation quality from TPAs and IAs
Escalating expectations from reinsurers, boards, and regulators

These friction points result in slower claims cycle times, higher rework rates, and frustrated adjusters who must toggle between decision-making and repetitive administrative tasks. For captives that rely on lean staffing models or outsource to third parties, it becomes difficult to maintain the consistency and audit-readiness expected in today’s insurance environment.

Example of AI-Powered Quality Assurance at Scale:

To address this, Agentech developed QA Complete™; a team of digital coworkers powered by our Agentic AI framework that reviews claim files before they’re routed to the carrier. Designed to act as an AI-based quality gatekeeper, QA Complete ensures that every file is:

Complete and properly documented
Matched against policy and jurisdictional rules
Flagged for inconsistencies in narratives, images, estimates, or documents
Suggested Next Best Action (back to field adjuster or other task)

All of this happens before a claim hits the carrier’s review team; reducing rework, speeding up resolution, and preserving adjuster capacity for high-value work.

Unlike traditional automation tools, QA Complete doesn’t rely on simple rules or templates. It combines large language models, retrieval-augmented generation, and deterministic workflows to read and reason through unstructured files, much like a human QA analyst but at a scale no team could match.

Digital Coworkers Built for Captive Agility

The heart of Agentech’s model is a powerful idea: AI should not replace human adjusters. It should work right alongside them in a supportive administrative role.

In our agentic AI framework, every digital coworker is trained to perform a specific role, such as medical history review, policy verification, or claim note summarization, operating within predefined thresholds. When a task exceeds those limits or requires human judgment, the agent escalates it to an adjuster. This human-in-the-loop design ensures that:

Critical decisions remain in human hands
AI improves consistency and audit-readiness
Claims move faster without sacrificing oversight

For captives, this architecture brings new levels of operational control. QA Complete becomes a second set of eyes, checking every file, flagging exceptions, and ensuring alignment with internal standards or third-party administrator protocols.

Scalability Without Headcount

Captives rarely have the luxury of deep staffing benches. During surge events (whether driven by hurricanes, hailstorms, or volume spikes) claims teams quickly become overwhelmed. The traditional answer: hire temp adjusters, lean on TPAs, or accept delays.

With Agentech, there’s another way. Our digital coworkers never sleep. They operate 24/7, scaling instantly to support spikes in file volume or regional complexity. No onboarding. No overtime. No lag time.

This surge capacity is especially critical in residential property lines, where documentation must be evaluated across formats, photo types, and jurisdictional expectations.

Real-World Results: The Numbers Behind the Solution

Captive insurance leaders care about outcomes…and Agentech’s digital roster delivers:

4x increase in adjuster productivity by offloading routine file validation
67% reduction in claims costs due to faster cycle times and fewer errors
200+ clicks per file eliminated on average, improving adjuster focus
Modular and multilingual design, enabling broad applicability across lines
SOC 2 Type II & GDPR compliant, ensuring secure and auditable operations

Our partnerships with independent adjusting firms, TPAs, and leading carriers have demonstrated not just improved file quality, but higher adjuster morale. Because when adjusters can focus on adjudication and customer service, everyone wins.

Built With Captive Expertise in Mind

This isn’t speculative AI. It’s operational AI, deployed in production environments today.

For CFOs, risk managers, and captive board members, this signals a new frontier: a claims process that’s auditable, efficient, and human-centered, even during times of surge or resource constraint.

Why It Matters Now

AI in insurance isn’t just about bots or automation. It’s about rethinking how we deploy human expertise and augment their process. For captives, the opportunity is clear:

Reduce cycle times without increasing headcount
Meet board and reinsurer expectations with transparent QA
Ensure adjuster focus is aligned to value, not admin tasks
Build resilient operations that can flex with the risk environment

Those that move early will build a lasting advantage. Those that wait may soon be playing catch-up, not just with carriers, but with forward-looking peers across the captive space.

The Future of Claims Is Agentic (and it’s here now)

Being named a finalist for the Captive Review Technology Solution of the Year is an honor. But more importantly, it validates a new model of claims work: one where AI is trained not to replace, but to support, scale, and strengthen the professionals already on the front lines.

At Agentech, our mission is simple:
Empower adjusters. Scale smartly. Automate what’s repetitive and elevate what matters.

To explore how Agentic AI can fit into your claims roadmap or captive strategy, visit www.agentech.com or schedule a demo with our team.

We’re proud to be leading this transformation and are excited for what’s ahead.

Explore the full list of 2025 Captive Review Award finalists at CaptiveReview.com
Learn more about Agentech’s AI coworker platform at Agentech.com

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