Insurance (P&C) — Built for Carriers Who Cannot Afford to Get It Wrong.
Insurance is facing simultaneous pressure from regulators, AI disruption, and consolidation. All three are platform catalysts. Naitiv is purpose-built to deliver on all three fronts, combining deep P&C operator experience with AI-native ServiceNow architecture.
Financial institutions are among the most complex operating environments on the planet. Regulatory mandates, risk frameworks, legacy system debt, and workforce expectations all converge on the same platform challenge: how do you modernize operations without creating new risk? ServiceNow, deployed with the right architecture and governance model, is one of the most powerful answers to that question. It unifies IT, risk, compliance, HR, and customer operations on a single governed platform, enabling financial institutions to automate workflows, enforce controls, and gain real-time visibility, without the fragility of point solutions. Naitiv brings the architectural discipline and BFSI-specific expertise to make that transformation real, not theoretical.
CRM and Insurance Data Models
FSO and Field Service Operations
FNOL and Claims Orchestration
Underwriting Workflow Automation
Producer Portal and Licensing (GRC)
Regulatory Compliance and Audit
AI Control Tower and AIOps
What we do
Challenges We Solve
Claims Cycle Inefficiency and Manual Handoffs
Most carriers still route FNOL manually, with adjusters spending hours on intake instead of resolution. Naitiv redesigns claims operations with AI-powered routing, triage, and automated adjuster assignment, reducing cycle time by an average of 40%.
Underwriting Friction and Submission Backlogs
Submission intake, risk scoring, and policy issuance remain heavily manual at most carriers. We automate underwriting workflows end to end, with AI-assisted decision support that reduces backlogs without sacrificing underwriting discipline.
Producer Onboarding Taking Weeks Instead of Days
Producer licensing, contracting, and portal access typically takes 4-6 weeks. Our producer portal accelerator reduces that to 4 days through self-service workflows, automated licensing checks, and AI-guided onboarding flows.
CAT Event Surge and Operational Breakdown
When catastrophe events hit, claims surge overwhelms every manual process. We build CAT response operations on ServiceNow, with AI-powered resource allocation, real-time exposure dashboards, and automated surge routing.
Regulatory and Compliance Pressure
Multi-jurisdictional compliance, audit documentation, and regulatory reporting remain labor-intensive and error-prone. We automate compliance workflows that enforce controls, generate audit-ready records, and surface exceptions before they become violations.
Disconnected Systems and Data Silos
Most carriers run claims, underwriting, producer, and compliance systems in silos. We architect integration frameworks on ServiceNow that unify data flows, eliminate duplicate entry, and give leadership a single operational picture.
Our stats
Results We Drive
40%
Claims Cycle Reduction
Average across engagements
6wks to 4 days
Producer Onboarding
After portal modernization
Zero
Manual Handoffs
In redesigned FNOL workflows
100%
Client Retention
Insurance engagements
Offerings
Our Insurance Offerings
AI Readiness Assessment for P&C Insurance Carriers
Pre-built Scope App
Customer Portal
Your underwriters make better bind decisions when the groundwork is already done. AI Agents do the preparation — pulling MVR and CLUE reports, coordinating property inspection logistics, confirming telematics enrollment, and chasing discount documentation — so your team arrives at the bind decision with everything they need, not a to-do list. Button: This one will have a button called "Learn more" it will be linked to the offering detail page for client onboarding.
Your service team owns every policyholder relationship. AI Agents handle the background work — surfacing policy details, preparing change requests, flagging regulatory requirements by state, and drafting responses across channels — so your staff can focus on the interactions that actually require their judgment and expertise.
Your underwriters decide which accounts renew, at what price, and on what terms. AI Agents do the 90-day prep — refreshing loss history, pulling updated MVR and CLUE data, scoring retention risk, and assembling the renewal package — so your team walks into every renewal conversation informed, not scrambling.
Your underwriters are your most valuable resource. AI Agents protect that time — ingesting broker submissions from any format, extracting and validating risk attributes, screening against appetite rules, and routing each risk to the right desk pre-packaged and ready for review. Your underwriters make the calls. Agents make sure they're spending that time on risks worth their attention.
Your operations team runs the book roll. AI Agents keep them ahead of it — scoring each policy against the accepting carrier's appetite, tracking state-specific notice deadlines, monitoring retention risk by account, and flagging adverse selection signals early. Every decision stays with your team. Agents make sure nothing slips through while they're focused on the accounts that need them most.
Your brokers own the certificate relationship. AI Agents eliminate the manual burden behind it — extracting policy data across carriers, tracking additional insured obligations against contract terms, generating ACORD-compliant certificates, and triggering notice workflows when policies change. Your team reviews, approves, and signs off. Agents handle the coordination that used to consume their day.
Your operations team is accountable to capacity providers for every submission. AI Agents do the preparation — ingesting bordereaux in any format, mapping fields to schema, and flagging premium and claims anomalies before submission so your team can review and resolve issues before they become carrier queries. Every exception that needs a human gets one. Agents handle the volume so your team can focus on the judgment calls.
Naitiv brings operator-level insurance expertise and AI-native ServiceNow architecture to every engagement. We have lived the problems you are solving.
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