Evaluate exposure, flags fraud risk at FNOL, and recommend right-sized coverage using your inputs and public hazard context.
NiftyBot evaluates exposure, flags fraud risk at FNOL, and recommends right-sized coverage using your inputs and public hazard context. Loss ratios fall while cycle times shrink.
Profit lives in precise selection and speed.
Complexity: Medium
Auto FNOL Fraud Check
Catch fraud early, pay good customers fast. This call scores fraud risk on a first notice of loss and routes the claim to the right lane. Honest policyholders get speed; suspicious ones get scrutiny.
{ "enrichments": [ { "field_name": "fraud_probability", "value": 0.16, "confidence": 0.88, "method": "estimation", "reasoning": "Nighttime incident with photo evidence and police report aligns with low-risk patterns." }, { "field_name": "triage_action", "value": "Fast track", "confidence": 0.84, "method": "reasoning", "reasoning": "Low fraud signal and adequate documentation support expedited processing." } ] }
Complexity: Low
Homeowners Risk Snapshot
Quote faster without flying blind. This call classifies risk and notes surcharges using coastal hazard context and applicant attributes. You issue competitive quotes with fewer back-and-forths.
{ "enrichments": [ { "field_name": "risk_tier", "value": "Standard", "confidence": 0.9, "method": "classification", "reasoning": "Post-2000 build with tile roof is favorable; proximity to coast elevates wind exposure to standard from preferred." }, { "field_name": "surcharge_notes", "value": "Windstorm deductible may apply; request wind-mitigation form and roof photos to confirm credits.", "confidence": 0.82, "method": "assessment", "reasoning": "Common underwriting requirements for coastal Florida to validate discounts." } ] }
Complexity: High
SMB Limits Recommender
Right-size coverage on the first try. This call reads operations and venues to propose GL/Auto/Umbrella limits with an indicative premium band. Brokers get defensible recommendations their clients understand.
