Every claim already holds the reasoning your next underwriting and pricing decision needs. Qubru connects the two — tracing a claims outcome back to the decision and pricing logic that preceded it, across every line of business — so the pattern reaches the person who can act on it, not just the audit trail.
See how the loop closesUnderwriting, pricing, and claims each built their own tools and their own memory. Qubru doesn't replace any of them — it connects what they already know, so the reasoning that used to get lost between systems flows back to where it's needed.
A claims outcome traced back to the underwriting decision and pricing logic that preceded it — automatically, across every policy. This is the cycle that's supposed to inform the next decision and usually doesn't, because the reasoning lives in documents no system connects.
Patterns that only exist across underwriting, pricing, and claims — a broker's submissions correlating with adverse outcomes, a corridor's claims correlating with underpriced risk — surfaced automatically. Drill any pattern down to the document, or roll it up across every line of business.
The same insured, broker, or principal recognized across auto, home, and commercial — across files, systems, and years — so a pattern in one line of business doesn't stay invisible to the others.
Ingest PDFs and scans, then classify and extract the entities that matter — parties, policies, claims, dates, amounts. This is the mechanism underneath the loop, not the product itself.
Retention rules, tenant isolation, least-privilege access, and a tamper-evident audit trail on every action — so closing the loop doesn't come at the cost of the controls a regulated carrier already answers to.
Drop in documents from underwriting, pricing, and claims — from your existing stores, scanned or native. No system-by-system migration required to start.
Each document is triaged and labelled by domain and lifecycle stage, so it's usable by the discipline it came from and the ones that need it next.
A claims outcome is linked back to the underwriting decision and pricing logic that preceded it — across every line of business — closing the loop those three disciplines couldn't close on their own.
Cross-domain patterns emerge on their own — a claims trend reaching the actuary, a pricing signal reaching the underwriter. Drill into the document, or roll it up across the book.
Retention, disposition, access, and audit run continuously underneath all of it — with every action recorded.
Qubru doesn't replace your core systems — it adds a reasoning layer on top of them, with governance running through every layer underneath.
Governance isn't a separate module bolted on top — it runs through every layer, from the moment a document is ingested to the moment a pattern reaches an underwriter's desk.
You own the P&L for this line — combined ratio, growth, retention — not just underwriting policy. Qubru scopes to your line specifically, and surfaces the pattern connecting your underwriting, pricing, and claims teams before it costs another point of combined ratio.
See exactly what was known at the moment of every bind, and which underwriting and pricing decisions the claims record actually confirmed or refuted — the institutional knowledge that used to leave when experienced staff did.
A combined ratio near 100% moves on decisions your systems don't currently connect — and the disconnect between underwriting, pricing, and claims is an operational problem before it's a financial one. Qubru surfaces the pattern before it costs another point of loss ratio.
Every signal traces back to source with full lineage — audit and regulatory response without a separate records project.
No. Qubru reads from the systems you already run — it doesn't migrate or replace them. Documents and data stay where they are; Qubru connects the reasoning across them.
They keep the decision. Qubru surfaces the pattern and the evidence behind it — actuaries, underwriting committees, and claims professionals still review and decide.
Every action runs through tenant isolation, least-privilege access, and an audit trail — the same controls a regulated carrier already answers to, built in rather than bolted on.
No system-by-system migration is required to begin. Documents can be ingested from your existing stores, scanned or native, and connected from there.
Qubru surfaces the reasoning that connects underwriting, pricing, and claims — actuaries review the patterns, underwriting committees evaluate the recommendations, claims professionals assess the outcomes. Qubru provides the evidence, with the reasoning behind it made explicit. Your team makes the call.