Federato Claims is an end-to-end claims management system built into Federato’s AI-native policy lifecycle platform. It helps teams manage claims from intake through closure while capturing the structured context and decision data the business needs to improve outcomes across underwriting, pricing, product, and portfolio management.

Yes. Federato Claims is designed to support the full claim lifecycle, including FNOL, documents, notes, reserves, payments, tasks, communications, status tracking, audit trails, and closure.

Traditional claims systems document what happened inside a claim. Federato captures claim context and decision rationale as work happens, so claims can become a source of portfolio intelligence instead of a closed file the business reviews months later.

Federato turns claim activity, coverage decisions, disputes, overrides, and severity patterns into structured signals that underwriting leaders can use to understand where the book is drifting and where appetite, pricing, or product may need to adjust.

Yes. AI is built into the foundation of Federato Claims, not added on top of a workflow. It supports intake, coverage analysis, information capture, and decision preparation, while structuring the rationale, citations, and adjuster overrides behind each decision. That creates a lasting record the business can use to improve decision quality, spot coverage drift, and act on emerging portfolio risk over time.

Federato surfaces policy citations, missing information, ambiguity, and concern flags before the adjuster makes the call. This helps claims teams make coverage decisions that are more consistent, defensible, and easier to audit.

Federato automatically gives brokers and policyholders clearer visibility into claim status, outstanding items, prior interactions, and next steps. By keeping claim information connected across channels, teams can reduce repeat questions and keep claims moving.

Federato Claims is built for commercial and specialty insurance carriers that need more control over claims decisions, better visibility into portfolio drift, and a stronger connection between claims, underwriting, pricing, and product.

Claims show what risk actually becomes after bind. When claim decisions, documents, rationale, disputes, and outcomes are captured as structured context, leaders can see where the book is drifting and adjust underwriting, pricing, product, or appetite before patterns become loss ratio problems.

Federato gives claims teams the core capabilities they rely on to manage work from FNOL through closure, including reserves, payments, documents, tasks, communications, audit trails, and reporting. It also gives them connected policy and customer context, AI built directly into the workflow, and a real-time link between claim decisions and portfolio strategy. Teams keep the operational control they expect from a claims system while gaining capabilities legacy systems were never built to provide.