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Multi-line TPA · Nationwide · 24/7/365

TPA one-stop-shop from first notice to final recovery.

A full-lifecycle, multi-line claims organisation. Five specialisms in-house, one proprietary AI platform underneath, delivered as full delegated authority or claim IA services.

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~5,000
Licensed adjusters
50
States covered
30 yrs
Claims heritage
90%+
Subro collections

What we are

One partner, not a panel of vendors.

The full line card

Five specialisms held in-house and staffed by named specialists — not a referral chain assembled per claim.

Property · Litigation · Cyber · Trucking · Sports medical & travel

One platform underneath

The same proprietary AI layer and the same quality control on every file, in every line, from first notice.

Severity · Coverage · Documents · Fraud · QC

Two ways we can help

Hand us the book under full delegated authority, or send the first claim on a published rate card this week.

Delegated authority · Claim IA services

The five specialisms

Five specialisms, one operating platform.

The specialisms are the columns. Everything that makes them consistent runs underneath — one platform, one front door, one recovery bench.

Line 01 — Property

Commercial & Residential Property

Incl. flood

Two very different books sold as one line. Commercial is won on adjuster quality; residential on unit cost and throughput. We staff them differently on purpose.

  • Daily residential and commercial property
  • Large and complex losses
  • Flood — NFIP and private
  • Builders risk and course of construction
  • Business interruption
  • Habitational, agricultural and E&S
  • Catastrophe response and surge

Who for

Carriers · MGAs · programme business · habitational and agricultural schemes

Line 02 — Litigation

Complex Commercial Litigation

D&O · E&O

The expensive part of a complex liability file is rarely the adjusting — it is the weeks spent finding the right counsel and the right expert while the demand grows.

  • Complex commercial liability
  • Directors & officers (D&O)
  • Errors & omissions (E&O)
  • Premises and products liability
  • Contractors and restaurant liability
  • Coverage investigation and analysis

Who for

Carriers · self-insureds · captives · Lloyd’s coverholders

Line 03 — Cyber

Cyber Liability

Incident response

Cyber is the line where the clock does the damage. Our incident response and cybersecurity specialists are engaged as part of intake, not appointed after it.

  • First-party and third-party cyber liability
  • Incident response coordination
  • Digital forensics
  • Business interruption quantification
  • Extortion and ransom events
  • Notification and regulatory exposure

Who for

Cyber MGAs · carriers · programme business · self-insureds

Line 04 — Transportation

Heavy Commercial Auto & Trucking

Cargo · Heavy equipment

Transportation files go wrong when a generalist is asked to value specialist equipment or read a cargo disposition. Our heavy-equipment appraisers are stationed in-region.

  • Tractor-trailer and heavy commercial auto
  • Heavy and specialty equipment appraisal
  • Cargo loss and disposition
  • Physical damage and total loss
  • Scene investigation and reconstruction support
  • Subcontracted work for other TPAs and IA firms

Who for

Trucking MGAs · self-insured fleets · motor carriers · other TPAs and IA firms

Line 05 — A&H

Sports Medical & Foreign Travel

Accident & health

These claims arrive from wherever the insured is, in whatever language they speak, usually at the worst hour. The handling is unremarkable; the operating model is the hard part.

  • Accident and health claims
  • Sports medical and athletic injury
  • Foreign travel and travel medical
  • Repatriation coordination
  • Multilingual intake, any hour
  • Collegiate and club sports schemes

Who for

A&H programme managers · travel MGAs · collegiate and club schemes · Lloyd’s coverholders

Running under every line

The expertise sits with us, on retainer.

Lawyers, forensic accountants, engineers, umpires, cyber responders and heavy-equipment appraisers — our own bench, not a referral chain assembled per claim.

The front door

24/7/365 AI-powered, human-staffed centre

  • FNOL capture
  • Automated acknowledgement
  • Triage & routing
  • Multilingual support
  • Priced on call volume
Property
Litigation
Cyber
Transportation
A&H

The platform

One proprietary AI layer, FNOL to decision

  • AI FNOL
  • Document ingestion
  • Intelligent recommendations
  • Regulatory flagging
  • Risk & fraud detection
  • Live claims chat
Property
Litigation
Cyber
Transportation
A&H

Shared claim services

The same recovery bench, every line

  • Subrogation & recovery
  • Special investigations
  • Appraisal & umpire
  • Catastrophe surge
  • Litigation management
Property
Litigation
Cyber
Transportation
A&H

The platform

Intelligence, built into every step.

One proprietary AI layer running from first notice to decision — the same platform under every line, personalised to each client's own process and policy knowledge base.

Zero wait times

24/7 AI agents, multilingual, no queue

10 or 10,000 claims

The same standard — quality doesn't degrade when you scale

Volume, not headcount

Capacity flexes without hiring or training delay

FNOLDecision

Ask any question of your live claims data in plain language — no prebuilt reports, no batch refresh.

doberman · claims chat
Which open property files have severity above 80?

Automated workflow & triage

AI augments experienced adjusters — driving better cycle time and loss ratios.

Every file is scored, routed and pre-worked before a human opens it. Judgement stays with the adjuster; the mechanical work does not reach them.

24/7 FNOL centreVoice · multilingualClient portal & APICarrier / MGA systemsEmail & document dropAuto-ingestedAI PLATFORMClassify · Score · Routecoverage match · fraud signal · authorityseverity & fraud score → routed to authority level · no manual keyingPropertyDaily · large loss · floodLitigationD&O · E&O · liabilityCyberIncident responseTransportationHeavy auto · cargoA&HSports · travelStraight-throughRules to paymentINTAKE — ALL 50 STATES, 24/7/365SPECIALIST BENCHMedian time from first notice to the right adjuster: hours, not days.

Cycle time

Days removed from intake, assignment and document chase

Leakage

Consistent reserving and coverage discipline on every file

Loss ratio

Earlier intervention on the severity tail, before it hardens

Capacity

Adjuster time redeployed onto negotiation and recovery

Coverage area

Wherever the claim sits, it sits with us.

Licensed and covered nationwide across all 50 states, with Lloyd's delegated authority and an expanding international footprint.

  • Resident field staff
  • Licensed & serviced
  • Nationwide property & daily claims

Gulf

Texas

Resident adjusters in state

302

Adjusters in state

5.3k

Claims handled / yr

Capability in region

  • Property
  • CAT surge
  • Trucking
  • Heavy equipment

Hover any state for local detail.

Live claim activity

FNOL captured — Tampa, FL

Property

50

States serviced

~5,000

Adjusters

24/7

Intake

Delivery

Able to support your whole book, or help claim by claim.

Same adjusters, same platform, same quality control — through whichever commercial model suits where you are.

Model A

Full delegated authority / TPA

We handle it end to end on your paper — with authority, controls and data governance written into the agreement.

  • Defined settlement limits and authority levels
  • Documented controls and audit trail
  • Contracted data governance
  • Bordereaux reporting on your cadence and format
  • Loss account holding and reconciliation
  • Named handlers and SLAs you control

Model B

Claim IA services

Task-based independent adjusting on a published rate card. No master agreement required to begin.

  • Transparent hourly rates by service type
  • Fixed per-claim fee agreed in advance
  • Send the first claim this week — no procurement cycle
  • Scale line by line as it proves out

Start with a demo.
Then send the first file.

We'll walk your line card against ours, show the platform in action, and agree rates by service type — usually inside a week.

Get a demo

Full-lifecycle multi-line TPA · Delegated authority · IA services