Compressing the expense ratio at ICW Group.
ICW Group manages $3.1B in premium and ranks #14 nationally in workers' compensation. Brend automates its highest-volume, most document-heavy claims and underwriting workflows, a projected $4.2M to $7.8M in annual value.
The friction lives in document-heavy claims work.
First Notice of Loss is the most consequential step in the claims lifecycle, and the most manual. Adjusters re-key incomplete intake data, chase missing documents, and reconcile reports by hand, inflating loss adjustment expense and delaying settlement, especially during catastrophe events.
Brend is an agentic AI that automates these workflows by observing human actions. Unlike traditional RPA, it understands the context of an insurance document and executes decisions inside ICW Group's existing stack, including Guidewire, so adjusters only ever touch exception-ready files.
Insurance is Datawall's starting point, with active deployments among independent agents at Farmers and Aflac. The figures below are a modeled opportunity for ICW Group, derived from public filings and industry benchmarks.
Three high-volume workflows, automated.
underwriting
Automated claims file assembly & triage
Brend monitors incoming FNOLs, organizes photos and estimates, verifies them against policy limits, routes standard claims for immediate payout, and escalates complex cases, so adjusters only handle exception-ready files.
Automated reinsurance reporting
Brend reconciles exposure data across source systems and generates monthly bordereaux reports autonomously, cutting a 12–20 hour manual cycle while improving accuracy and reducing regulatory friction.
Streamlined underwriting submissions
Brend validates incoming workers' comp submissions against guidelines, matches appetite, and drafts initial responses, taking submission-to-quote turnaround from 45–90 minutes to under 5.
Reconciling the $4.2M–$7.8M.
consolidated
| Value driver | Lower | Upper |
|---|---|---|
| Direct labor recapture | $861K | $2.32M |
| Claims leakage reduction | $1.50M | $4.00M |
| Growth scalability | $1.34M | $1.48M |
| Regulatory risk mitigation | $0 | $500K |
| Total annual value | $4.2M | $7.8M |
Estimates derived from ICW Group's 2024 public filings and industry benchmarks (McKinsey, BCG, Shift Technology). Aspirational targets, not guaranteed outcomes; actual value varies with implementation scope.
What it moves on the balance sheet.
Targets benchmarked against industry research (Deloitte, KPMG) and U.S. wage data.
Your claims desk has this workflow too.
Brend can run it in weeks.