Industry solution

Insurance

Insurance operations that hold together when the claims surge arrives

Intake, triage, adjuster deployment, crop loss evidence, fraud review and renewals, handed from product to product, not inbox to inbox.

Products
8
Challenges
6
Concepts
15
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Claims adjuster documenting a hail-damaged roof beside a storm-flattened wheat field.
FluidGrids(opens FluidGrids in a new tab)Botlit(opens Botlit in a new tab)CrewFoundry(opens CrewFoundry in a new tab)Healthy Bowl(opens Healthy Bowl in a new tab)IntelWatchtower(opens IntelWatchtower in a new tab)SemanticFed(opens SemanticFed in a new tab)BigConsole(opens BigConsole in a new tab)ProServiceWorld(opens ProServiceWorld in a new tab)

The problem

Why insurance operations strain at the seams

Insurance work moves through inboxes, spreadsheets and core systems that do not talk. After a catastrophe the seams tear first: notices pile up, adjusters are staffed by phone, patterns hide across files and nobody agrees on the numbers.

An insurance policy is a promise kept through many hands. Carriers run policy administration, claims and billing systems, often several of each after acquisitions. Managing general agents report delegated business through monthly bordereaux. Brokers and agencies hold the customer relationship in their own tools. Every hand-off, from agency to carrier, notice to adjuster, adjuster to investigator and broker to underwriter, crosses a system boundary, and many of them still travel by email and spreadsheet.

Catastrophes expose those seams. A hail line or a flood turns a normal day of notices into a surge overnight. Independent adjusters are called in by phone and their licenses checked by hand. Storm-chasing contractors appear in claim files faster than anyone can see the pattern. Crop and farm cover adds its own clock: loss has to be reported and appraised while the crop is still in the field, across farms far from any office, and disputes turn on evidence gathered in a narrow window.

Meanwhile boards, reinsurers and regulators want figures sooner and with a trail behind them. When loss ratios differ by system, or claimant data ends up in an analyst's spreadsheet, trust suffers. What carriers and agencies need is not another core system but connective tissue: intake that understands policy wording, triage rules people can read, staffing that follows the claims, investigation that sees across files, and one governed version of the numbers.

Who this is for

  • Chief Claims Officer or VP of Claims

    Cycle time after a catastrophe, adjuster capacity by territory, and keeping policyholders informed while notice volume spikes.

  • Chief Underwriting Officer

    Reaching the right submissions first, consistent appetite and clearance calls, and underwriter time spent on judgment rather than keying.

  • Special Investigations Unit Director

    Seeing organized patterns across many claims early, with a defensible case file and masked claimant data for every referral.

  • Agency Principal or Brokerage Operations Lead

    Renewals remarketed on time, certificates issued quickly, producer licenses current and a clean errors-and-omissions file.

  • Crop and Farm Program Manager

    Notices of loss inside the policy window, adjusters sent to the right fields first, and evidence that settles appraisal disputes fairly.

  • Chief Actuary or Head of Insurance Data

    One definition of earned premium and incurred loss across legacy systems and bordereaux, traceable figures and claimant data masked.

A day in the life

The story behind the solution

Hail at harvest: one week inside a regional mutual

At 11:40 p.m. on Sunday, June 21, a hail line crosses three counties of Harrow Plains Mutual's home territory, over thousands of insured roofs and winter wheat days from harvest. Nadia Ferreira, the chief operating officer, has no catastrophe war room. She has good people, a policy system, a claims system, shared inboxes and a lot of spreadsheets. This is how her week could run with Burdenoff products working together.

  1. Monday, 6:40 a.m.

    Nine hundred voicemails before the office opens

    Nadia's first call is from Tom Whitfield, the claims director. The after-hours line holds nine hundred voicemails and web notices are arriving faster than his four intake staff can key them. Half the callers only want to know whether hail is covered, what their deductible is and whether to tarp the roof tonight. Tom has twelve staff adjusters and a phone list of independent adjusting firms, but no way to see who is licensed in the state, who could work under an emergency license, or who has already signed on to another carrier's storm.

    How this is solved: Catastrophe notice surge and adjuster deployment

  2. Tuesday, 9:15 a.m.

    Wheat on the ground, three days from harvest

    Joseph Mwangi farms ninety-six insured acres of winter wheat on the storm's northern edge. Across the east half of his field, stems are snapped and heads lie in the dirt. He calls his agent, who emails Harrow's crop team, who already have more than two hundred affected fields and three loss adjusters. The policy expects notice within a set window and an appraisal before harvest, so every day matters. Joseph's photos arrive by text message with no location, and nobody at Harrow can say what his field looked like the week before the storm.

    How this is solved: Crop loss notices and field evidence before harvest

  3. Wednesday, 2:00 p.m.

    The same roofer, forty-one times

    Lucia Moreno, Harrow's lead SIU analyst, stops by Nadia's office with a hunch. One roofing contractor appears on claim after claim, each with an assignment of benefits and an estimate a few hundred dollars under the desk adjusters' settlement authority, and a phone number listed for a public adjuster on one file is the contractor's office line on another. Proving it would mean exporting every storm claim into a spreadsheet full of names, addresses and bank details, and several of those claims are due to pay this week.

    How this is solved: Storm-chaser patterns hidden across hundreds of claim files

  4. Thursday, 8:30 a.m.

    Sixty-three submissions and one grain elevator, twice

    Kwame Asante underwrites farm and commercial property. Storm or not, July renewals keep arriving from brokers: applications, schedules of values in five spreadsheet layouts, loss runs as scanned PDFs. Before lunch he finds that two brokers have submitted the same grain elevator, and that a sawmill he spent an hour keying was never in appetite. Two good accounts sit untouched at the bottom of the pile, and one broker has already emailed Nadia to ask why nobody has replied.

    How this is solved: Broker submissions, clearance and appetite checks

  5. Thursday, 4:45 p.m.

    An agency buried in certificate requests

    Dev Raman's independent agency, which writes much of Harrow's farm and home book, is buried. Since Monday, repair contractors have needed certificates of insurance before they can start work, homeowners keep asking whether a detached shed is covered, and July renewals still have to be remarketed. At 4:45 his office manager finds that one producer's license in a neighboring state lapsed last month, with renewals already quoted under it. For Nadia, those are Harrow renewals that could slip away.

    How this is solved: Agency renewals, certificates and producer licensing

  6. Friday, 5:30 p.m.

    Three numbers for the same storm

    The board chair and the reinsurance broker both want an event estimate before the weekend. The claims system shows one incurred figure, the finance extract another, and the managing general agent that writes Harrow's farm auto program will send its bordereau on Monday in a new column layout. Nadia watches her actuary spend Friday evening reconciling three definitions of earned premium instead of estimating the loss.

    How this is solved: One set of numbers for boards, reinsurers and regulators

Nothing in this week is unusual for a regional carrier after a storm. What changes is that every hand-off, caller to claim, claim to adjuster, file to investigator, broker to underwriter, agency to carrier and system to board, is carried by a product designed for that job. Harrow's own teams share one sign-on and one audit trail, the agency and the grower share scoped records from their own workspaces, and people make every decision that matters.

Challenges and how they are solved

6 problems, several products, one connected answer

Each challenge shows the problem as it happens, how the products are designed to hand work to each other, and the concepts that illustrate it. Share any challenge on its own.

Challenge 1 of 6

Catastrophe notice surge and adjuster deployment

Botlit(opens Botlit in a new tab)FluidGrids(opens FluidGrids in a new tab)CrewFoundry(opens CrewFoundry in a new tab)ProServiceWorld(opens ProServiceWorld in a new tab)

The problem

A catastrophe turns a normal day of notices into a backlog overnight. Voicemails, web forms and agency emails arrive faster than intake staff can key them, and many callers are not reporting anything new: they want to know where they stand, what they owe and what to do before morning. Every notice still needs a policy lookup, a coverage review and a severity call before anyone can choose between desk handling and a field inspection. Staffing that inspection is its own puzzle. The adjuster must be licensed in the affected state or hold an emergency adjuster license, be certified for roof inspections or large-loss work, carry the settlement authority the claim needs, and not already be committed to another carrier's storm. Most claims teams answer those questions by calling around.

What it costs

Cycle times stretch just when policyholders are most anxious, simple claims wait behind complex ones, and adjusters are dispatched by guesswork, which raises expense and complaint risk.

How the products work together

Botlit is designed to take first notice of loss on the web and messaging channels. It points each policyholder to the relevant policy wording, such as the deductible on their declarations page and their duties after a loss, cites the passage and states that coverage is decided by the adjuster; it never confirms or denies coverage. Each notice leaves Botlit as a structured loss record for FluidGrids, and agencies using ProServiceWorld are designed to send a client's reported loss to the same FluidGrids intake. Versioned FluidGrids triage rules are designed to score severity and route each claim to fast-track desk handling or a field inspection. Field inspections pass to CrewFoundry in batches by county, where the deployment board is designed to propose adjusters by license, certification, settlement authority and open capacity for the claims director to confirm. FluidGrids can then write each confirmed assignment back to the claim so Botlit can tell the policyholder who is coming.

The outcome it is designed for

Simple claims move without waiting in a queue, field inspections go to licensed adjusters who can actually take them, and policyholders hear who is coming.

The concepts behind it

Challenge 2 of 6

Crop loss notices and field evidence before harvest

Healthy Bowl(opens Healthy Bowl in a new tab)FluidGrids(opens FluidGrids in a new tab)CrewFoundry(opens CrewFoundry in a new tab)BigConsole(opens BigConsole in a new tab)

The problem

Crop cover runs on a clock. After hail, the policy's notice deadline starts running, and damage has to be appraised while the crop is still standing in the field. Notices reach the crop team through agents, phone calls and forwarded emails, often with photos that carry no place or date. On small grain close to harvest a crop-health index says little, because the crop is already drying down; what an adjuster needs is proof of the stand before the storm and of shattered heads and lodged stems after it. Crop adjusters are few and spread across many farms, so without that record they drive to fields the storm missed while badly hit fields wait, and appraisal disputes come down to memory.

What it costs

Late or thin evidence slows settlement and pushes growers into disputes, while scarce crop adjusters drive to fields that were never hit and badly damaged fields wait.

How the products work together

Healthy Bowl is designed to let a grower, or the agency acting for them, file a crop loss notice against a field in the farm record and build an evidence comparison: the pre-storm scouting photo and stand record beside post-storm geotagged photos, an aerial image with the lodged area outlined, and the storm record for the field. The grower shares it with the insurer as a scoped, revocable view and follows the claim step by step. FluidGrids can pick up each notice, check it against the notice window and rank it by storm path and days to harvest. The ranked batch passes to CrewFoundry, whose deployment board is designed to propose crop-certified loss adjusters for the program manager to confirm. FluidGrids then pushes notice counts, appraisal status and disputes into a BigConsole datasink, so the program manager sees every county on one board.

The outcome it is designed for

Growers file inside the window with evidence that speaks for itself, crop adjusters reach the worst fields first, and appraisals rest on a record both sides can see.

The concepts behind it

Challenge 3 of 6

Storm-chaser patterns hidden across hundreds of claim files

FluidGrids(opens FluidGrids in a new tab)SemanticFed(opens SemanticFed in a new tab)IntelWatchtower(opens IntelWatchtower in a new tab)

The problem

After a catastrophe, organized inflation hides inside legitimate volume. The same contractors, public adjusters, phone numbers and payee accounts recur across files, often with assignments of benefits and estimates clustered just under the desk-adjuster authority threshold. Claims systems show one file at a time, so analysts export claim data to spreadsheets to see the pattern, and those exports carry claimant identities and bank details onto laptops where they do not belong. By the time a pattern is written up, many of the claims in it have already paid.

What it costs

Inflated claims pay before anyone connects them, genuine claimants risk being delayed by blunt holds, and ad-hoc exports put personal data at risk.

How the products work together

FluidGrids decision rules are designed to score each new claim for referral indicators, such as a repeated contractor, phone number or payee account, and to send referrals, not blanket payment holds, to the special investigations unit. Each referral is designed to arrive in IntelWatchtower, which reads the related claim, policy and payment records through SemanticFed rather than an export. SemanticFed surfaces claimant identifiers as masking proposals that a data owner approves and activates. IntelWatchtower draws the referred claims, contractors, public adjusters, phone numbers and accounts as linked entities with a confidence level on every connection. An investigator opens a case from a cluster, and its journal records each note, decision and piece of evidence. The investigator's decision on each claim is designed to return through FluidGrids to the claim file, where the adjuster releases or holds payment.

The outcome it is designed for

Investigators see patterns across files while claims are still open, genuine claimants keep moving, and personal data stays masked and on the record.

The concepts behind it

Challenge 4 of 6

Broker submissions, clearance and appetite checks

FluidGrids(opens FluidGrids in a new tab)Botlit(opens Botlit in a new tab)SemanticFed(opens SemanticFed in a new tab)

The problem

Commercial submissions arrive as email bundles: an application, a schedule of values in whatever layout the broker prefers and loss runs that are often scanned. Before an underwriter can apply judgment, someone has to key the construction, occupancy, protection and exposure details, search the policy and quote systems for a competing submission on the same risk, and check the underwriting guide for appetite. Queues are worked in arrival order, so accounts that are plainly outside appetite take as long to answer as the ones worth quoting, and a broker who hears nothing places the risk elsewhere.

What it costs

Underwriter time goes to keying and searching instead of judgment, clearance misses create broker conflicts, and good risks are lost to slow responses.

How the products work together

FluidGrids can pick up each submission from the underwriting mailbox and run its PDF Extract and Structured Parser nodes over the application, schedule of values and loss runs to pull out the named insured, locations, values and construction, occupancy, protection and exposure details. The extracted record passes to a Botlit agent designed to check it against the underwriting guide, cite the passage behind each appetite flag and mark any field it cannot confirm as needing a person. The review returns to FluidGrids, which can run a clearance lookup through SemanticFed across the policy administration and quote systems in place and apply versioned appetite rules. FluidGrids then ranks the queue and delivers each submission to underwriters as quote-ready, refer or outside appetite, with a draft reply to the broker. The underwriter makes every decision.

The outcome it is designed for

Underwriters open a ranked, pre-cleared queue, brokers hear back sooner on risks outside appetite, and every appetite call points to its guideline.

The concepts behind it

Challenge 5 of 6

Agency renewals, certificates and producer licensing

ProServiceWorld(opens ProServiceWorld in a new tab)FluidGrids(opens FluidGrids in a new tab)Botlit(opens Botlit in a new tab)

The problem

Independent agencies service books spread across several carriers. After a storm the same small team fields certificate of insurance requests from contractors, coverage questions from clients and the renewals that should be remarketed sixty to ninety days out. Renewal dates live in spreadsheets, answers come from memory and signed declinations sit in email. Producer licenses and continuing-education credits are tracked by hand, so a lapsed nonresident license can go unnoticed until quotes have gone out under it.

What it costs

Missed remarketing dates cost accounts, off-the-cuff coverage answers create errors-and-omissions exposure, and a lapsed license puts placements and commissions in question.

How the products work together

ProServiceWorld is designed to run the agency's book: each renewal is an engagement on a pipeline ordered by days to expiration, with the client record, carrier quotes and signed documents classified for the errors-and-omissions file. Its compliance register is designed to track each producer license and continuing-education deadline as a dated check, so a lapse shows on every renewal that producer holds. FluidGrids is designed to read ProServiceWorld renewal dates on a schedule, open remarketing tasks at 90 and 60 days and route certificate requests to the right account manager. Policy documents filed in ProServiceWorld are designed to be indexed into a Botlit knowledge base for a client assistant that answers routine questions with citations. When its content policy blocks a coverage question, FluidGrids logs it as a task on the client's ProServiceWorld account for a licensed account manager.

The outcome it is designed for

Renewals are remarketed on schedule, licenses are renewed before they lapse, and routine questions get answers while coverage calls stay with licensed staff.

The concepts behind it

Challenge 6 of 6

One set of numbers for boards, reinsurers and regulators

SemanticFed(opens SemanticFed in a new tab)FluidGrids(opens FluidGrids in a new tab)BigConsole(opens BigConsole in a new tab)Botlit(opens Botlit in a new tab)

The problem

Event estimates are due to boards and reinsurers within days of a catastrophe, but the figures come from systems that disagree. Claims, finance and policy administration each hold their own version of incurred loss and earned premium, and delegated business arrives through bordereaux whose column layouts change without notice. Actuaries spend the critical hours on reconciliation and file mapping rather than on the estimate itself, and the figures that finally go out are hard to trace back to their sources.

What it costs

Late or conflicting event figures strain board and reinsurer trust, delegated business goes unchecked until quarter end, and reserve discussions rest on reconciliations nobody can trace.

How the products work together

SemanticFed is designed to hold one governed definition of earned premium, incurred loss and claim count, drafted from the source schemas, accepted by the actuary and resolved across the policy, claims and finance systems without copying them. FluidGrids can ingest each MGA bordereau, map its columns to the same definitions and return rows that fail validation to the MGA before they land. FluidGrids is designed to query SemanticFed's governed metrics through its SQL or GraphQL endpoint and push them, with the clean bordereau rows, into a BigConsole datasink. The event console shows incurred loss and claim count by county and loss ratio by line, and its Explain panel is designed to state what changed since yesterday with the source and field behind each finding. A Botlit agent can answer the board chair's follow-up questions by querying that same console.

The outcome it is designed for

Boards and reinsurers get one event figure with its trail, delegated business is checked as it arrives, and actuaries spend Friday estimating instead of reconciling.

The concepts behind it

How it fits together

How the products hand off, from first notice to the board's event report

Follow one storm through the products. Notices arrive from agencies, policyholders and growers; FluidGrids routes them; specialist products staff, investigate and govern; BigConsole gives leadership one picture. Underwriting and agency renewals run their own loops, described in the challenges above.

  1. To FluidGrids: The reported loss, designed to reach the carrier's FluidGrids webhook instead of a forwarded email.

  2. To FluidGrids: A structured loss record: policy, peril, location, photos and any question left for an adjuster.

  3. To FluidGrids: The notice with a scoped, revocable link to the grower's evidence comparison.

  4. To CrewFoundry: Field inspections and crop notices batched by county; referrals go to IntelWatchtower on the same run.

  5. To FluidGrids: Confirmed assignments, which FluidGrids writes back to the claim so Botlit can tell each policyholder who is coming.

  6. To FluidGrids: The investigator's decision on each referred claim, returned to the claim so the adjuster releases or holds payment.

  7. To FluidGrids: Governed metrics, which FluidGrids queries and pushes with validated bordereau rows into a BigConsole datasink.

Step 1 of 8: Agency notice

Products in this solution

What each product brings

  • FluidGrids

    Routing hub for notices, triage rules and bordereaux

    Designed to carry notices, referrals, submissions and bordereau rows between systems through versioned decision rules, webhook and schedule triggers, document extraction nodes and connectors, with datasinks that feed BigConsole consoles.

    Visit FluidGridsAll concepts

  • Botlit

    Intake and review agents grounded in your documents

    Governed agents are designed to answer from the carrier's own policy wording and underwriting guides with cited passages, say so when nothing matches, and run under content policies that stop them confirming or denying coverage.

    Visit BotlitAll concepts

  • CrewFoundry

    Adjuster roster and catastrophe deployment

    One profile for staff and independent adjusters with skills, certifications and availability, and a resourcing view designed to propose matches for a manager to confirm.

    Visit CrewFoundryAll concepts

  • Healthy Bowl

    Field evidence for crop and farm cover

    Healthy Bowl is designed to hold each farm's fields, crops, weather and field observations in one record, and to share a scoped, revocable view of it with others, as it already does for lenders. Its crop insurance claim view is designed to draw on that record.

    Visit Healthy BowlAll concepts

  • IntelWatchtower

    Special investigations link analysis and case files

    Entities, links with explicit confidence and case journals with a clear chain of evidence are designed to give an SIU a way to see patterns across many claim files at once.

    Visit IntelWatchtowerAll concepts

  • SemanticFed

    Governed definitions and masked access across core systems

    Is designed to query policy, claims and finance systems in place, hold earned premium and incurred loss as defined metrics, and propose masking policies for claimant data that a person approves.

    Visit SemanticFedAll concepts

  • BigConsole

    Event and portfolio consoles for leadership

    Consoles fed by FluidGrids datasinks, designed for row-level security and field masking, with a planned Explain panel that cites the sink and field behind each change.

    Visit BigConsoleAll concepts

  • ProServiceWorld

    Operating system for agencies and brokerages

    Built for professional practices including insurance agencies and brokerages: client records, renewals as engagements and classified documents, with licensing and continuing-education checks designed into its compliance register.

    Visit ProServiceWorldAll concepts

One platform underneath: Burdenoff Workspaces

Every product runs on Burdenoff Workspaces: one sign-on for the carrier's claims, underwriting and SIU teams, role-based access that keeps claimant data with those who need it, one audit trail and one bill. Agencies and growers keep their own workspaces and share scoped records with the carrier.

Concept gallery

Every concept in this solution

15 concepts from 8 products. Each one links to its own page on the product's website, and every view has a link you can share.

Pitch kit

The Insurance solution in one minute

Insurance runs on hand-offs: agency to carrier, notice to adjuster, file to investigator, broker to underwriter, system to board. Burdenoff brings together products designed for each one: Botlit for intake, FluidGrids for routing, CrewFoundry for adjusters, Healthy Bowl for crop evidence, IntelWatchtower for SIU, SemanticFed and BigConsole for governed numbers and ProServiceWorld for agencies, on one platform with one audit trail.

  • Take first notice of loss with cited pointers to your own policy wording, then route every claim with readable, versioned triage rules.
  • Deploy staff and independent adjusters by license, certification, authority and capacity, with a claims manager confirming each assignment.
  • Settle crop claims on shared evidence: the pre-storm scouting record, post-storm geotagged photos, outlined damage and the field's storm record.
  • Give the SIU a linked view across claim files, with claimant data masked and every step kept in a case journal.
  • Put one governed, traceable set of event and portfolio figures in front of boards, reinsurers and regulators.
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Questions

Frequently asked

Do these products replace our policy administration or claims system?

No. They are designed to sit around your core systems rather than replace them. FluidGrids is designed to reach them through webhooks, HTTP calls or database connections where your core systems expose them, SemanticFed is designed to query them where they are without copying the data, and the specialist products handle the work that usually falls between systems: intake, adjuster deployment, crop evidence, investigations, agency servicing and governed reporting.

Can an AI agent confirm coverage, decline a submission or pay a claim?

Not in this design. Botlit agents are designed to point people to the relevant passage of your own documents and cite it, and content policies are designed to stop them from confirming or denying coverage or binding anything. Triage rules route and rank work, and proposals from CrewFoundry, IntelWatchtower and SemanticFed change nothing until a person accepts them. Coverage, payment, quote and declination decisions stay with your licensed staff.

How is claimant and policyholder personal data protected?

SemanticFed is designed to surface sensitive columns such as names, bank accounts and dates of birth as inactive masking proposals that a data owner approves and activates. BigConsole is designed to apply row-level security and field masking on consoles, and Burdenoff Workspaces provides role-based access and one audit trail across every product. We do not claim any third-party certification for these products today; ask us about the controls you need to see.

Does this apply to crop and farm cover as well as property?

Yes, that is part of the concept. Healthy Bowl is designed to keep a farm's fields, crop health, weather and field photos in one record, and its crop insurance claims are designed to gather that record into an evidence pack. The grower shares the pack with the insurer and the loss adjuster and can revoke access.

We are an independent agency, not a carrier. Which parts apply to us?

ProServiceWorld is built for agencies and brokerages: client records, renewals as engagements and classified documents, with certificate requests and producer license and continuing-education checks designed into it. FluidGrids can automate renewal steps, and a Botlit assistant is designed to answer routine client questions from your own policy documents while handing coverage questions to licensed staff. Your agency keeps its own workspace and shares only what a carrier needs.

Is this available today?

This page describes a solution concept. The products are early and several are pre-launch, and some of the hand-offs shown here are designed connections rather than finished integrations. We are looking for carriers, MGAs, brokers and agencies who want to shape how it comes together.

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This is a solution concept: it shows how Burdenoff products are designed to work together in this industry. The images are illustrations of the concepts, not screenshots of the actual products, and every name and figure in them is sample data.