APPLICATION / SCHEDULES / FORMS
Submission intelligence
Extract entities, exposures, clauses, locations, limits, and supporting evidence from submissions.
INSURANCE & RISK / DECISION INTELLIGENCE
Turn fragmented evidence into defensible decisions.
OSYSTIC engineers AI and software for underwriting, claims, actuarial, fraud, and policy operations, transforming document-heavy workflows into governed decision systems.
UNDERWRITING WORKSPACEUW-240184
SUBMISSION DOSSIER
Meridian Industrial Holdings
COMMERCIAL PROPERTY / NEW BUSINESS
DECISION SUPPORT
68
RISK INDICATORREFER
SUBMISSIONCOMPLETE
LOSS HISTORYREVIEWED
APPETITEPARTIAL FIT
RECOMMENDATIONREFER TO SENIOR UNDERWRITER
Concentration exceeds automated authority.
HUMAN DECISION REQUIREDEVIDENCE ATTACHED AUDIT RECORD ACTIVE
UNDERWRITING / DECISION DOSSIER
Reduce preparation time without hiding the basis of the decision.
HISTORY / EXPERIENCE / EVENTS
Loss & account context
Bring prior losses, account history, external signals, and portfolio context into one review surface.
SCORE / PRICE / REFER
Risk decision support
Combine model outputs, business rules, appetite, authority limits, and human judgment into explicit decision support.
RATIONALE / APPROVAL / AUDIT
Decision evidence
Record inputs, model version, policy rules, human actions, exceptions, and final rationale.
CLAIMS / EVIDENCE INTELLIGENCE
A claim is an evidence problem before it becomes a workflow problem.
Claims teams work across forms, statements, invoices, images, policy language, notes, and third-party reports. AI becomes useful when it organizes that evidence without severing it from its source.
Claim intake
14 SOURCESEvidence remains linked to source material, uncertainty, and workflow context.
Document intelligence
87 FIELDSEvidence remains linked to source material, uncertainty, and workflow context.
Evidence reconciliation
06 CONFLICTSEvidence remains linked to source material, uncertainty, and workflow context.
Decision support
03 FLAGSEvidence remains linked to source material, uncertainty, and workflow context.
Adjuster review
HUMAN GATEEvidence remains linked to source material, uncertainty, and workflow context.
ACTUARIAL / PORTFOLIO INTELLIGENCE
See individual decisions in the context of the whole book.
PORTFOLIO VIEWCOMMERCIAL RISK
PROPERTY
LIABILITY
MOTOR
SPECIALTY
Book-level risk visibility
Aggregate exposure, concentration, claims experience, pricing, and model outputs into portfolio views.
Decision-support models
Support pricing, segmentation, renewal, and risk selection while keeping validation assumptions visible.
Emerging risk signals
Surface changes in claims frequency, severity, exposure patterns, and external conditions for review.
FRAUD / SPECIAL INVESTIGATION
Detect patterns. Do not manufacture certainty.
Fraud systems should prioritize evidence for investigation, not replace investigators with a black-box accusation engine.
High-risk signals route into specialist review workflows.
Identity inconsistency
Context, provenance, and confidence remain visible for investigation.
Behavioral anomaly
Context, provenance, and confidence remain visible for investigation.
Evidence conflict
Context, provenance, and confidence remain visible for investigation.
Network signal
Context, provenance, and confidence remain visible for investigation.
AGENTIC DOCUMENT OPERATIONS
Automate the work around the decision, not the accountability for it.
Read
Controlled document intelligence with explicit tools, escalation, and approval boundaries.
Extract
Controlled document intelligence with explicit tools, escalation, and approval boundaries.
Reason
Controlled document intelligence with explicit tools, escalation, and approval boundaries.
Review
Controlled document intelligence with explicit tools, escalation, and approval boundaries.
Record
Controlled document intelligence with explicit tools, escalation, and approval boundaries.
DECISION RECORDIMMUTABLE CONTEXT
WORKFLOWCOMMERCIAL UNDERWRITING
MODELRISK-SUPPORT / V4.7
POLICY STATEAPPETITE RULESET 12
EVIDENCE18 SOURCES ATTACHED
RECOMMENDATIONREFER FOR REVIEW
AUTHORITYSENIOR UNDERWRITER
GOVERNED AI / DECISION CONTROLIdentity & authority Decision provenance Sensitive-data boundaries Human accountability
Every material recommendation should leave a record.
Insurance AI operates inside regulated, financially material, and customer-sensitive workflows. Governance belongs inside the system architecture.