- • FNOL comes in on any channel → Intake captures
- • Triage scores severity, complexity, fraud risk
- • Coverage produces binding coverage opinions
- • Adjuster owns claim through settlement
- • Reserve-Setter books reserves; Fraud runs SIU
- • Compliance enforces SLA & regulatory standards
- • Satellites handle litigation, subrogation, CAT, actuarial
- • Reserve authority & litigation gatekeeper
- • Morning brief 6am, reserve review 7am
- • Compliance SLA enforcement (24h >$100K)
- • Board reporting & regulatory examinations
- • CAT event judgment calls
- • Owns subrogation recovery targets
- • Script:
onboard-insurance-claims.sh
- • 12 agents: 8 core + 4 satellites
- • 48 scheduled jobs across the team
- • Each agent gets SOUL.md, config, cron jobs
- • Integrates: Guidewire, ISO, NICB, LexisNexis
- • Shared memory via Mnemosyne across all agents