The gap

Your core remembers what. Nobody remembers why.

Brokers and intermediaries, quotes, policies, claims: the information that explains every decision is scattered across core systems, satellite systems and documents that never connect.

TODAY · SYSTEMS OF RECORD

Guidewire, Duck Creek, legacy cores

Track every policy, claim and transaction in structured form. Essential, and blind to the reasoning behind them.

They answer:

What happened

→

THE MISSING LAYER · QUBRU

Policy lifecycle memory

Every document, system, decision and signal across the lifecycle, connected to the records it explains. Governed, queryable, traceable to source.

It answers:

Why it happened

The value

The full policy history, at every decision

With every source connected in one place, your teams make better decisions. A few examples: what price to set on a new policy, which clients to renew, how profitable each broker really is.

Price right

Accept the right risks at the right premium. Signals from loss history, brokers and zones in front of the underwriter at quote and renewal.

1–3%premium accuracy

Pay right

Reserve and settle with the full context: prior claims, underwriting reasoning and patterns, from first notice of loss to closure.

1–2%claims cost reduction

Prove it

Every insight traces back to its source document. Regulatory and audit response without a separate records project.

Audit-readyby design, with full lineage

What memory is worth

Small decisions move the combined ratio

Many auto books run near 100% combined ratio: almost everything collected goes to claims and costs. Errors in selection, pricing and reserves decide whether the year ends in profit or loss.

~100%combined ratio on many auto books

$1Mper point recovered, for every $100M of premium

Annual premium	1 point	1–3 points
$100M	$1M	$1–3M
$300M	$3M	$3–9M
$500M	$5M	$5–15M

The pilot measures the real figure on your own book.

The product

One memory, three ways to use it

Everything runs on the same insurance ontology and the same governed data. The ontology arrives fully built: no model-training project, no months of customization.

MEMORY

The 360° view

Every policy, account, broker and claim with its documents, decisions and reasoning, queryable in plain language.

AGENTS

AI inside the console

Pre-built agents for underwriting and claims, grounded in the ontology. Build your own on the same guardrails.

INSIGHTS

Patterns that surface

Broker, zone and segment signals and reserve gaps, delivered to the people who decide.

Quoter: customer qualification scorecard

Agent · Quoter

A defensible read on every account

Account, broker and producer scorecards in one place
Loss ratio against target, with the reason for the gap
Suggested action. The underwriter accepts, loads, investigates or declines

Result: price right at bind and renewal

Claims processor: policyholder scorecard

Agent · Claims processor

The full history at first notice of loss

Claim timeline and summary, from first notice to closure
Prior claims and patterns, linked back to underwriting
Explainable routing: a review flag, never an automated fraud decision

Result: pay right, reserve right

The foundation for AI

AI without memory only guesses faster.

Every carrier has an AI mandate, and most AI projects stall on scattered, untrusted data. Qubru is the foundation: every agent you build starts with the full history, the same rules and one governed source of truth.

Underwriting agent

Claims agent

Fraud review

Customer service

Your next agent

Qubru · policy lifecycle memory

Full historySame rulesOne source of truth

Weeks, not months

New AI use cases inherit the context, rules and guardrails already built.

Trusted answers

Every agent response traces back to the documents and records behind it.

Your data, your control

Agents work on your governed memory, inside your tenant.

Architecture

One model of your business. Every source connected.

Qubru sits on top of what you already run. It reads from your systems, never replaces them, and gives every AI agent the same grounded context.

LAYERWHAT IT DOESWHY IT MATTERS

Qubru provides insight → the human decides → your core executes

DISCOVER

Causal chains and cross-domain patterns become scorecards and insights inside the console

Signals surface before they become losses

ACTIVATE

AI agents inherit the ontology: context, rules and guardrails already built

New AI use cases in weeks, not months

MODEL

Insurance ontology and entity resolution: the same insured, broker and policy recognized across systems and years

One version of the truth, no integration project

CONNECT

Structured: Guidewire, Duck Creek, legacy PAS, Salesforce, data warehouses. Unstructured: submissions, inspections, adjuster notes, endorsements, correspondence

The reasoning lives in what nobody connects today

GOVERNANCETenant isolationAccess controlRetentionAudit trailLegal holds

Who it's for

Built for the people who live the policy lifecycle, and the ones who answer for it

Each role sees the patterns that matter to its decision, with the evidence organized behind it.

Compliance, risk & legal

Every decision, reconstructable from source

When the regulator, the auditor or a court asks why a policy was bound, priced or paid, compliance gets the full chain: the documents, the signals and the people who decided, with tamper-evident lineage. Retention and legal holds run continuously, not as a separate records project.

Full lineage from document to decision
Retention, disposition and legal holds by jurisdiction
Tamper-evident audit trail on every action
Human decision preserved for automated-decision regulations

Hours,not weeks, to an audit-ready answer

Underwriting

Know what was known at every bind

Which decisions the claims record confirmed or refuted, kept even when experienced staff leave.

1–3%premium accuracy

Pricing & renewals

Renew with the full loss history

Zone, broker and segment signals in front of the pricer before terms are committed.

1–3%premium accuracy

Claims & adjusters

Every case opens with its history

Underwriting decision, prior claims and inspection context one click away. Complex claims close up to 40% faster.

1–2%claims cost reduction

Commercial & distribution

Know which brokers really pay off

Profitability by broker and intermediary, with the loss history behind every account they bring.

Everychannel, measured

Insurance operations

Any policy's lifecycle, on demand

Endorsements, customer inquiries and renewal packages prepared with the full history at hand.

One view,not three systems

CEO, CFO & line owners

See the pattern before it costs a point

The disconnect between underwriting, pricing and claims is operational before it's financial.

$1–3Mper $100M premium

No operational or regulatory risk

Qubru informs.Your team decides.Your core executes.

Your actuaries review the patterns. Your underwriting committees evaluate the recommendations. Your claims professionals assess the outcomes. Your compliance officers verify the audit trail.

This structure keeps Qubru outside the regimes that govern automated decision-making in insurance: the NAIC Model Bulletin, NYDFS Circular Letter 7, Colorado Regulation 10-1-1 and the emerging LATAM frameworks. Your team's decisions remain your team's decisions.

How we start

A controlled pilot, measured against your key KPIs

Choose one line of business and one process, such as claims. Business outcomes agreed up front.

SUCCESS MEASURED IN BUSINESS TERMS

Points of loss ratio identified on your book
Profitability by broker and intermediary
Reserve adequacy gap by segment
Time saved per submission and per claim

After the pilot: an annual subscription agreed up front. Expand to a second line of business or close out cleanly.

FAQ

Common questions before the first call

How long until we see value?

The insurance ontology arrives fully built, so there is no model-training project. First insights appear during the pilot, on your own policies and claims.

Does this replace Guidewire, Duck Creek or our other core systems?

No. Qubru reads from the systems you already run. Documents and data stay where they are; Qubru connects the reasoning across them.

What data does Qubru read?

Structured records from your cores, CRM and warehouses, plus unstructured content: PDFs, scans, emails, and the free text already living inside your core systems, like adjuster narratives and underwriting memos.

How does Qubru help our AI strategy?

It gives every AI agent the same governed memory: full history, insurance semantics and traceable sources. Your AI projects start from trusted data instead of rebuilding context each time.

What happens to our underwriting and claims teams?

They keep the decision. Qubru surfaces the pattern and the evidence behind it; your people review and decide.

How do you handle security and access?

Tenant isolation, least-privilege access and a tamper-evident audit trail on every action, built in rather than bolted on.

Carriers record what happened. Qubru remembers why.

The life of a policy, told in two minutes