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Claims Tech guides
Aerial imagery and drones in property underwritingHow insurers use aerial imagery and drones to underwrite commercial property, what images miss, state limits on imagery-based nonrenewals, and how to respond.How AI is changing commercial claims handlingWhere insurers use AI in commercial claims, what regulators expect from human review, and how to document and escalate a claim when software is involved.Fraud analytics: how insurers detect fraudHow insurers use rules, link analysis, machine learning and shared databases to flag suspicious claims, and what a flag means for an honest policyholder.IoT sensors and commercial property insuranceHow water, freeze, fire and equipment sensors fit with commercial property insurance, what carriers offer for them, and how they help underwriting and claims.Public adjusters: when to hire one for a business property claimWhat a public adjuster does, how they are paid, state fee caps and licensing rules, and when hiring one for a large or disputed commercial claim pays off.Straight-through claims processing: what automated claims mean for your businessHow straight-through (touchless) claims work, which commercial claims qualify, which laws still apply and what to do if an automated payment is too low.Telematics and dashcams in commercial auto insuranceWhat fleet telematics and cameras record, how insurers use the data in pricing and claims, what research shows, and the privacy and evidence rules to plan for.Working with an insurance adjuster on a business claimWhat a commercial adjuster does, what to document, how recorded statements and proof of loss work, and when to use a public adjuster, counsel or appraisal.