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Insurance

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Insurance Carriers​

Carriers are under growing pressure to deliver fast, personalized experiences. Meanwhile, your back and middle offices are overwhelmed, your combined ratio isn’t improving, and your profits are declining.

Increase your quote-to-bind ratio while decreasing your time to quote.​

Your AI-powered Underwriting Assistant supports your underwriting department by:

  • Reading, extracting & transferring data from emails and documents to your systems​
  • Performing quick declinations for uninsurable risks
  • Rating simple policies, then preparing and sending the quote​
  • Binding new and renewing policies before forwarding to billing
  • Creating and distributing insurance documents​

Customer Service is the pillar of the policy holder experience.

Empower your team with a Digital Coworker that proactively responds to and manages your back-office operations by:

  • Processing policy changes and eligible endorsements
  • Administering policies and renewals
  • Completing and distributing certificates of insurance and EOIs
  • Sending simple correspondence
  • Rating policy renewals

Eliminate unnecessary errors and costs, and alleviate stress from both your customers and your team.

Your new Digital Coworker will improve your Billing & Collection cycle times by:

  • Issuing and following up on outstanding premium receivables
  • Matching items to your general ledger
  • Processing flat and prorated cancellations
  • Communicating policy or procedural changes to your customers

Process lower complexity claims end-to-end and eliminate frustration throughout the claims process.​

An AI-powered Claims Assistant has the capacity to act as support for your adjusters by:

  • Classifying, indexing, extracting and relaying claims data into your systems
  • Creating and sending claims acknowledgement letters
  • Requesting additional data from the policyholder as needed
  • Screening for potential fraud
  • Calculating and setting reserves and paying claims

Reduce cycle times and days-outstanding ratios.

You can trust a Digital Coworker to follow your set processes and recover your funds in a timely manner.

  • Updating the claim throughout its journey
  • Identify accounts for recovery or subrogation
  • Complete and send any forms for third parties​
  • Communicate subrogation notices
  • Track status of the ongoing recovery​
Underwriting​

Increase your quote-to-bind ratio while decreasing your time to quote.​

Your AI-powered Underwriting Assistant supports your underwriting department by:

  • Reading, extracting & transferring data from emails and documents to your systems​
  • Performing quick declinations for uninsurable risks
  • Rating simple policies, then preparing and sending the quote​
  • Binding new and renewing policies before forwarding to billing
  • Creating and distributing insurance documents​
Servicing Policy Documents

Customer Service is the pillar of the policyholder experience.

Empower your team with a Digital Coworker that proactively responds to and manages your back-office operations by:

  • Processing policy changes and eligible endorsements
  • Administering policies and renewals
  • Completing and distributing certificates of insurance and EOIs
  • Sending simple correspondence
  • Rating policy renewals
Billing & Collection​

Eliminate unnecessary errors and costs, and alleviate stress from both your customers and your team.

Your new Digital Coworker will improve your Billing & Collection cycle times by:

  • Issuing and following up on outstanding premium receivables
  • Matching items to your general ledger
  • Processing flat and prorated cancellations
  • Communicating policy or procedural changes to your customers
Claims Setup & Management​

Process lower complexity claims end-to-end and eliminate frustration throughout the claims process.​

A Claims Assistant has the capacity to act as support for your adjusters by:

  • Classifying, indexing, extracting and relaying claims data into your systems
  • Creating and sending claims acknowledgement letters
  • Requesting additional data from the policyholder as needed
  • Screening for potential fraud
  • Calculating and setting reserves and paying claims
Recovery & Subrogation

Reduce cycle times and days-outstanding ratios.

You can trust a Digital Coworker to follow your set processes and recover your funds in a timely manner.

  • Updating the claim throughout its journey
  • Identify accounts for recovery or subrogation
  • Complete and send any forms for third parties​
  • Communicate subrogation notices
  • Track status of the ongoing recovery​ark the claim as closed​

Insurance Brokers & Agencies ​

As insurers begin to compete on premiums, your commission checks must stretch further.​While you focus on growing your book of business, you need help maintaining it.

Increase revenue and create capacity.

Digital Coworkers help you expand existing accounts and win new ones by:​

  • Collecting risk information across a variety of platforms, such as CAD systems and DCS Information Systems​​
  • Classifying the risk and matching to carrier appetites​
  • Reading and completing ACORD forms as needed​
  • Entering carrier quoting systems to gather quotes and find the best fit for the customer​
  • Preparing the quote for final review, and sending to the customer
  • Identifying opportunities to cross-sell additional lines of business, and initiating the cross-sell process​​

Improve customer service and protect margin on commissions.

A Digital Coworker functions like a fully licensed CSR, and supports your policyholders – and your business – by:

  • Submitting policy changes and simple endorsements on behalf of the customer
  • Setting up the Premium Finance, if needed
  • Notifying the agent and/or customer of any outstanding items, such as payroll audits
  • Noting any significant rate increases at renewal, and automatically re-shopping the policy
  • Creating and forwarding requested documents, such as insurance ID cards, EOIs, and COIs

Improve operating costs around onboarding, claims and mid-term servicing activity.

Digital Coworkers are expertly trained to enable efficient general servicing and back-office operations by:

  • Creating and distributing Certificates of Insurance for the policyholder
  • Submitting policy changes and endorsements
  • Collecting data for policyholder’s compliance and workers comp audits
  • Supporting communications with Carriers
  • Moving data between systems of record

Retain key customers and lower your cost of customer acquisition.

Digital Coworkers enable revenue generating activities by:

  • Verifying all policy information pre and post renewal
  • Contacting customers when the account is flagged past due
  • Checking for new or updated contact information
  • Notifying customers and agents at renewal

Ensure you are hitting SLAs and adhering to protocols and process.

Digital Coworkers enable good carrier relationships by keeping your book of business in compliance with their standards, by:

  • Looking for, and collecting, signed applications
  • Auditing your book of business for missing information and documentation
  • Requesting documents as needed, like payroll information or updated driving records
  • Sending necessary communications to your policy holder
New Business​

Increase revenue and create capacity.

Digital Coworkers help you expand existing accounts and win new ones by:​

  • Collecting risk information across a variety of platforms, such as CAD systems and DCS Information Systems​​
  • Classifying the risk and matching to carrier appetites​
  • Reading and completing ACORD forms as needed​
  • Entering carrier quoting systems to gather quotes and find the best fit for the customer​
  • Preparing the quote for final review, and sending to the customer
  • Identifying opportunities to cross-sell additional lines of business, and initiating the cross-sell process​​
Policy Servicing​

Improve customer service and protect margin on commissions.

A Digital Coworker functions like a fully licensed CSR, and supports your policyholders – and your business – by:

  • Submitting policy changes and simple endorsements on behalf of the customer
  • Setting up the Premium Finance, if needed
  • Notifying the agent and/or customer of any outstanding items, such as payroll audits
  • Noting any significant rate increases at renewal, and automatically re-shopping the policy
  • Creating and forwarding requested documents, such as insurance ID cards, EOIs, and COIs
General Servicing​

Improve operating costs around onboarding, claims and mid-term servicing activity.

Digital Coworkers are expertly trained to enable efficient general servicing and back-office operations by:

  • Creating and distributing Certificates of Insurance for the policyholder
  • Submitting policy changes and endorsements
  • Collecting data for policyholder’s compliance and workers comp audits
  • Supporting communications with Carriers
  • Moving data between systems of record
Retention

Retain key customers and lower your cost of customer acquisition.

Digital Coworkers enable revenue generating activities by:

  • Verifying all policy information pre and post renewal
  • Contacting customers when the account is flagged past due
  • Checking for new or updated contact information
  • Notifying customers and agents at renewalerify all policy information again when the policy renews
Compliance

Ensure you are hitting SLAs and adhering to protocols and process.

Digital Coworkers enable good carrier relationships by keeping your book of business in compliance with their standards, by:

  • Looking for, and collecting, signed applications
  • Auditing your book of business for missing information & documentation
  • Requesting documents as needed, like payroll information or updated driving records
  • Sending necessary communications to your policyholder

Third Party Administrators & BPOs​

As the cost of labor increases, Digital Coworkers help you meet your SLAs and exceed your customer’s expectations.​

Ensure you are hitting SLAs and adhering to protocols and process.

Digital Coworkers enable speed and accuracy by:

  • Reading, classifying and indexing documents​
  • Importing and moving data across your systems
  • Supporting claims handling​ and servicing
  • Forwarding explanations of benefits (EOBs)​​

Improve customer service and quality.

Your AI-powered Claims Assistant can supercharge your claims operation by:  

  • Verifying Insurance coverage
  • Finding in-network providers
  • Supporting fraud investigations

Process lower complexity claims end-to-end and eliminate frustration throughout the claims process.

An AI-powered Claims Assistant can support Claims settlement by:

  • Classifying, indexing, extracting and relaying claims data into your systems
  • Creating and sending claims acknowledgement letters
  • Supporting correspondence with the policyholder
  • Calculating and setting reserves and paying claims

Eliminate unnecessary errors and costs, and alleviate stress from both your customers and your team.

Your new Digital Coworker will improve your Billing & Collection cycle times by:

  • Issuing and following up on claims payments
  • Identifying accounts for subrogation
  • Matching items to your general ledger
  • Processing flat and prorated cancellations
  • Communicating policy or procedural changes to your customers
  • Calculating out of pocket billing, like copays and deductible

Reduce cycle times and days-outstanding ratios.

Digital Coworkers fulfil traditional TPA obligations as well, including:

  • Administering employee benefits and policies
  • Processing policy changes
  • Distributing documentation, like ID cards and carrier notices
  • Justifying bills and invoices with EOBs
Claims Receival & Data Entry

Ensure you are hitting SLAs and adhering to protocols and process.

Digital Coworkers enable speed and accuracy by:

  • Reading, classifying and indexing documents​
  • Importing and moving data across your systems
  • Supporting claims handling​ and servicing
  • Forwarding explanations of benefits (EOBs)​​
Claims Adjudication & Investigation​

Improve customer service and quality.

Your AI-powered Claims Assistant can supercharge your claims operation by:  

  • Verifying Insurance coverage
  • Finding in-network providers
  • Supporting fraud investigations
Claims Settlement​

Process lower complexity claims end-to-end and eliminate frustration throughout the claims process.

An AI-powered Claims Assistant can support Claims settlement by:

  • Classifying, indexing, extracting and relaying claims data into your systems
  • Creating and sending claims acknowledgement letters
  • Supporting correspondence with the policyholder
  • Calculating and setting reserves and paying claims
Billing & Collection​

Eliminate unnecessary errors and costs, and alleviate stress from both your customers and your team.

Your new Digital Coworker will improve your Billing & Collection cycle times by:

  • Issuing and following up on claims payments Identifying accounts for subrogation
  • Matching items to your general ledger
  • Processing flat and prorated cancellations
  • Communicating policy or procedural changes to your customers
  • Calculating out of pocket billing, like copays and deductible
Policy Servicing

Reduce cycle times and days-outstanding ratios.

Digital Coworkers fulfil traditional TPA obligations as well, including:

  • Administering employee benefits and policies
  • Processing policy changes
  • Distributing documentation, like ID cards and carrier notices
  • Justifying bills and invoices with EOBs

Machine Intelligence + Human Ingenuity

By bringing together technology, data, machine intelligence & human ingenuity, our Customers realize significant value, fast.

Increase Capacity

Expand your human workforce up to 90% with trained Digital Coworkers. Better manage fluctuating peaks and troughs in demand. Avoid burnout.

Reduce Cost

Process more work, faster, with greater accuracy. No need to build Centres of Excellence or significant internal capability to manage your Digital Workforce.

Rapid ROI

Each Digital Coworker comes pre-trained with knowledge of documents and processes, enabling them to be operational from day 1. Typically driving 250% ROI for our Customers.

Adopt AI Faster

Our AI models and algorithms are configured to work out of the box, built on a deep repository of tagged system and document data. No need for expensive data, IT or infrastructure investments.

Avoid Disruption

Digital Coworkers plug into your existing ways of working, minimizing disruption and risk associated with extensive change programs

Improve Work

Eliminate the mundane, manual part of people’s work that typically slows them down, produces errors and causes burnout.

CUSTOMER SUCCESS

Our Customers see Digital Coworkers as important members of their team

$1.3m Capacity Improvement

Delivered for a leading Global Services firm.

1,250% Return on Investment

Delivered for a multinational Financial Services Company.

99% Straight Through Processing

Delivered for a Fortune 500 Insurance Carrier.

“The Digital Coworkers Roots Automation provides work in conjunction with our Team to optimize our medical claims process. By leveraging these bots, it provides the simplicity and scalability necessary to deliver best-in-class productivity to our clients. Additionally, we value the insights from the Roots Automation Team about our processes, of which, we integrate into our continuous improvement plans for our business practices in order to provide industry leading solutions.”
Kevin Mahoney
President & COO, Carisk Partners
“Everything happened fast, our digital coworker ‘Roxy’ was trained and ready on time as promised! The team at Roots Automation have been a pleasure to work with! They’ve anticipated our questions and respond quickly to our asks and changes.”
Lea Lundquist
VP, Claims Administration, Protective Insurance
“We appreciate all of Roots Automation's efforts to automate a challenging initiative with 500,000+ transaction requests annually. Our internal Center of Excellence was able to get to production faster and more cost-effectively than what we originally planned.”
David Emmer
CIO, Anchin, Block & Anchin LLP
We appreciate all of Roots Automation's efforts to automate a challenging initiative with 500,000+ transaction requests annually. Our internal Center of Excellence was able to get to production faster and more cost-effectively than what we originally planned.
Fortune 250 Life Insurance Carrier
Automation Leader
WORKING ALONGSIDE LEADING BRANDS

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