For P&C carriers

Decision Governance for Claims

Optimize the claims process — govern every file at decision time, for full-book visibility rather than a sample.

Reconstruct any decision — the rule, the authority, the evidence, and the human reasoning, preserved with the file.

AudRI governs every file at decision time — and proves why.

Built by a team with deep roots in enterprise content and information software.

The problem

Two gaps persist in claims operations:
the Money Gap and the Liability Gap.
AI is widening both.

Traditional sampling gives carriers visibility into a fraction of the claims book. Across the rest, financial exposure and decision rationale are harder to see — and AI-driven processing is accelerating the pace.

The Money Gap

Full visibility across the book — not a sample.

Manual QA typically reviews 3–5% of files after they close; AudRI evaluates 100%. Limited sampling can leave leakage, fraud, and reserve errors outside the reviewed population — across the other ~95% of the book.

$6–14MIllustrative recoverable exposure on a $200M claims book — the gap between typical claims leakage (industry benchmarks ~5–10%) and best-in-class handling (~2–3%).
The Liability Gap

Traceable rationale, across every system.

Most carriers already have controls in place. But as AI accelerates decisions, the rationale and authority behind a call can fragment across systems and workflows — and become hard to reconstruct when it's later questioned. AudRI keeps it auditable, traceable, and defensible.

NowPolicyholder attorneys are already developing AI-based bad-faith claims that seek the reasoning behind coverage and valuation decisions (Simpson Thacher, Aug 2026).

What AudRI does

It governs the decision — not just whether a step was completed.

Traditional QA confirms a process step was followed. AudRI governs the decision itself: whether the right amount went to the right party, for a defensible reason, under the appropriate authority — and it preserves that reasoning with the file.

Systems of record store the claim. Dashboards report on it after the fact. AudRI governs the decision at the moment it's made.

How it works

Extract. Execute. Explain.

Deterministic execution where it matters, with human oversight throughout.

01

Extract

Your rules, made executable — pulled from your SOPs, policy contracts, and regulatory bulletins, each tied to the clause, page, and authority it came from.

02

Execute

Every file is evaluated against the current rule set at decision time — 100% coverage, at the moment the decision is made.

03

Explain

The reasoning and evidence are preserved with the decision — the rule, the named authority, and the supporting record.

Deterministic execution 100% coverage Humans retain decision authority

Reconstruction & oversight

When a decision is questioned, reconstruct exactly why.

A complete, decision-level reconstruction — the rule, the authority, the evidence, and the human reasoning behind every call.

Human override

Overrides become part of the record.

An adjuster can override any AudRI call — humans retain decision authority. The override, and the rationale behind it, become part of the durable decision record rather than living in memory.

Independence

An independent governance layer.

The system that executes a decision shouldn't be the only system that attests to it. AudRI sits independently across the claim file and decision process — and that independence and cross-file visibility strengthen auditability, regulatory defensibility, and litigation readiness.

Business value

Outcomes, not licensing structure.

Dollars protected, decisions governed, and measurable movement toward best-in-class claims performance — extending the reach of the QA work your team already performs.

100%
of decisions governed at decision time, across the entire book
5–10%
typical industry claims leakage AudRI helps carriers reduce
$6–14M
illustrative recoverable exposure on a $200M claims book
2–3%
best-in-class leakage — the benchmark AudRI moves you toward

Quality, extended

The quality work you already do — across every file.

Claims-quality management, SOP adherence, coaching, and reporting are natural outcomes of governing every decision — extending your team's reach across the entire claims book, not replacing the work they do.

Claims-quality management
SOP & handling-standard adherence
Adjuster coaching signals
Real-time reporting
Cycle-time visibility
Return-to-work tracking (WC)
Repair-facility & vendor handling (auto)
Reserve-adequacy checks
Exam-ready evidence

Get started

See decision governance on your own claims.

Govern every file at decision time, reconstruct any decision, and extend your team's quality reach across the entire book.

contact@getaudri.com · getaudri.com