CLARA Analytics has launched Agentic Intelligence, an end-to-end AI workforce for complex casualty and workers’ compensation claims. The technology operates inside the CLARAty AI platform and assigns multiple AI agents to each claim, beginning with first notice of loss and continuing through resolution.
Adjusters retain control over claim decisions throughout the process. CLARA’s agents review claim activity continuously, identify changes in exposure and recommend actions based on developing information inside the file.
The launch expands CLARA’s platform beyond analytics and risk signals. Its software now recommends next steps and assists claims professionals with executing parts of the workflow.
CLARA embeds the agents directly within the claim file, where adjusters handle decisions affecting casualty and workers’ compensation losses. The system draws on 10 years of proprietary historical claims outcomes accumulated by the company.
CLARA CEO Heather H. Wilson said the agents monitor how individual claims develop and identify exposure issues earlier in the process. They review claims data alongside documents, tracking changes in severity, litigation risk, fraud indicators and potential closure opportunities.
Wilson said CLARA has moved from providing claims intelligence toward supporting operational action. Multiple agents work together across information associated with each claim, producing explanations for their recommendations and identifying possible next steps for adjusters.
Agentic Intelligence also gives claims professionals visibility into how the system produced individual scores. Users receive information about data sources, freshness and the records behind each result rather than searching manually through documents.
The platform provides definitions and ownership information for individual metrics, along with version histories. Claims teams also receive visibility into source validation and the condition of data feeding each assessment.
Users are able to examine individual coverage groups, exclusions and related claim cohorts. CLARA also links scoring explanations back to specific claim documents and structured data fields.
A conversational agent supports deeper analysis across structured records and unstructured documents. Claims and actuarial teams use the interface to examine risk signals, supporting evidence and recommended actions within individual files.
CLARA built the system around self-learning data pipelines and more than 7 mn historical claims collected over 10 years. The software addresses missing information in real time through dynamic queries rather than relying entirely on fixed rules.
The architecture reduces manual coding during deployment and gives claims teams faster access to their own information. Users are able to segment datasets and test different assumptions without building separate workflows for each analysis.
CLARA positions the agents as support for adjusters rather than replacements for claim authority. Human professionals retain responsibility for decisions, while the platform records the evidence and reasoning associated with its recommendations.
Mubbin Rabbani, chief product officer at CLARA Analytics, said the company designed the platform around measurable financial and operating results rather than speed alone. Insurers receive access to an AI workforce supported by operational controls and human validation.
CLARA Analytics provides AI-as-a-service technology for casualty claims management. Its customers include insurance carriers, MGAs, reinsurers and self-insured organizations.
The platform applies image recognition and natural language processing to medical notes, legal demand packages, bills and other claims documents. CLARA uses those records to produce predictive information for claims professionals working on cost management and claim outcomes.
Its customer base includes top-25 global insurance carriers, large third-party administrators and self-insured organizations. Founded in 2017, CLARA Analytics is headquartered in California’s Silicon Valley.
