For Insurance Teams

Claude Cowork for Insurance
Policy documents are 80 pages long. Your review doesn't need to take 80 minutes.

Insurance teams spend most of their time reading, comparing, and summarizing documents. Policy reviews, claims files, underwriting data. Cowork reads them all and gives you the answer, not another document to review.

Powered by Claude Cowork. Set up by NYC Claw.

The real problem with insurance work in 2026

Your team's time goes to reading documents, not making decisions.

Policy review is slow and repetitive

Each policy is 40 to 80 pages. Comparing coverage terms, exclusions, limits, and endorsements across carriers takes hours. Renewal season means doing this dozens of times. It's the same process over and over, but every detail matters.

Claims processing bottlenecks on document review

Adjusters need to read police reports, medical records, repair estimates, and coverage terms before making a decision. Each claim file can be hundreds of pages. The reading is the bottleneck. The actual decision takes minutes once you have the facts.

Underwriting requires synthesizing data from multiple sources

Application data, loss runs, inspection reports, financial statements, industry data. An underwriter might pull from five to eight different documents to assess one risk. That synthesis is manual. Every underwriter does it slightly differently.

Compliance reporting changes with every regulatory update

State DOI requirements shift constantly. New reporting formats, new disclosure requirements, updated rate filing procedures. Keeping up is a full-time job that nobody has time for. Miss an update and you're filing in the wrong format.

How Claude Cowork solves it

Workflows insurance teams are running right now. Tested on real policy volumes.

Policy Document Review and Comparison

Cowork reads full policy documents, extracts coverage terms, limits, deductibles, exclusions, and endorsements. It compares two or more policies side by side and produces a structured summary showing where they differ. A 45-minute review done in minutes.

Claims Processing Workflow

Cowork reads the full claims file: incident reports, medical records, repair estimates, witness statements. It extracts key facts, cross-references against policy coverage terms, and generates a structured summary with coverage determination notes. The adjuster reviews the analysis, not the raw documents.

Underwriting Data Synthesis

Give Cowork an application package. It reads the application, loss runs, inspection report, and financial statements. It produces a risk summary: key exposures, loss history trends, financial stability indicators, and red flags. All organized in your firm's preferred format.

Client Renewal Preparation

A scheduled task runs 90 days before each renewal. Cowork pulls the current policy, loss history, market rate data, and client account notes. It generates a renewal package: coverage comparison, recommended changes, talking points for the client meeting, and a draft proposal letter.

Compliance Reporting

Cowork monitors regulatory changes via scheduled web research. When requirements change, it flags affected policies, generates updated disclosure documents, and drafts compliance filings in the required format. You stay current without reading every state DOI bulletin yourself.

Risk Assessment Documentation

For commercial accounts, Cowork reads inspection reports, financial statements, and industry data. It generates structured risk assessments with severity ratings and recommendations. Your underwriters get a complete picture without manually compiling data from six different sources.

Every setup is configured for your agency's specific lines of business, carriers, and tools.

What we build for your agency

Generic tools don't know the difference between a BOP and a CGL. We configure Cowork for the lines you write and the workflows your team runs.

Custom Skills

Skills are reusable commands your whole team can run. We build custom skills for policy extraction, claims summary templates, underwriting checklists, and renewal package generation. One command, consistent output every time.

Plugins

Cowork includes plugins like /legal for policy analysis and /finance for financial statement review. We configure the right combination based on the lines you write and the workflows your team runs daily.

Connectors

We connect Cowork to the tools your agency already uses: Slack for team communication, Microsoft 365 for email, Box and Google Drive for document storage, and DocuSign for signed documents. Cowork plugs into what your agency already uses.

Scheduled Tasks

Set up recurring workflows that run automatically: renewal prep triggered 90 days out, weekly compliance monitoring for regulatory changes, and daily claims triage that prioritizes your queue before the workday starts.

Already using NYC Claw for your agency? See our insurance agency setup page for the full picture.

We train your team. Remote or in-person.

Software without training is shelfware. We run hands-on training sessions where your adjusters, underwriters, and account managers practice real workflows: policy comparison, claims triage, underwriting synthesis, and renewal prep.

Remote sessions work for most agencies. For teams in NYC, we train on-site. After the session, your team runs every workflow without hand-holding.

Related pages

Stop reading 80-page policies line by line

Book a free 15-minute call. We'll walk through your agency's specific workflows and show you exactly what Cowork can handle.

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Frequently Asked Questions

How does Cowork compare insurance policies?
Cowork reads the full text of each policy document, including all endorsements and amendments. It extracts coverage terms, limits, deductibles, exclusions, and conditions, then produces a structured side-by-side comparison showing exactly where the policies differ. You get a clear summary instead of flipping between two 60-page PDFs.
Can Cowork handle claims files with medical records and legal documents?
Yes. Cowork reads the entire claims file: incident reports, police reports, medical records, repair estimates, witness statements, and coverage documents. It extracts the key facts from each document, cross-references them against the relevant policy terms, and produces a structured summary with coverage determination notes. The adjuster reviews the analysis rather than reading every page of every document.
How does the underwriting synthesis workflow handle different document formats?
Cowork processes applications, loss runs, inspection reports, financial statements, and industry data regardless of format. PDFs, spreadsheets, Word documents, scanned forms. It extracts the relevant data points from each source and organizes them into a single risk summary using your firm's preferred template. The underwriter gets one structured document instead of toggling between five or six different files.
What compliance monitoring can Cowork automate?
Cowork runs scheduled web research to monitor state DOI regulatory changes, new reporting requirements, updated rate filing procedures, and disclosure mandates. When something changes, it flags which of your policies or filings are affected, generates updated documentation, and drafts compliance filings in the required format. You review and approve rather than tracking every regulatory bulletin manually.
How long does setup take for an insurance agency?
Initial setup takes one session. We configure your connectors (Slack, Microsoft 365, Box, Google Drive, DocuSign), install relevant plugins, and build your first custom skills for policy review and claims processing. Over the following two weeks, we refine the workflows based on real usage and train your team on the specific tasks that save the most time.