Every claim, endorsement, and regulatory response already holds the reasoning your next decision needs. Qubru extracts it from multiple unstructured sources — external documents and the unstructured content already living inside your core systems — and delivers real-time insights when the human needs to decide.
See how the memory worksUnderwriting, pricing, claims, and compliance each built their own tools and their own memory. Qubru doesn't replace any of them — it connects what they already know across multiple unstructured sources, so the reasoning that used to get lost between systems flows back to where it's needed. The insurance-specific ontology arrives fully built — no training project required, no multi-year customization to fit your carrier's document universe.
Ingest documents and unstructured text from core systems. Classify against a canonical ontology of insurance document types — broker submissions, underwriting and pricing documents, inspections, adjuster narratives, endorsements, regulatory correspondence — built into the product, not configured post-deployment. Everything starts here: raw content becomes structured insurance signals.
Every classified signal enters the memory — organized by policy, by lifecycle stage, by domain. A claims outcome traced back to the underwriting decision, pricing logic, and compliance response that preceded it, automatically. The memory that used to live in documents no system connected now flows continuously back to where it's needed.
With memory in place, patterns emerge across the four disciplines — a broker's submissions correlating with adverse outcomes, a corridor's claims correlating with underpriced risk. Patterns that only exist across underwriting, pricing, and claims, surfaced automatically. Drill any pattern down to the document, or roll it up across every line of business.
Patterns become durable knowledge only when the same insured, broker, or principal is recognized across auto, home, and commercial — across files, systems, and years. The graph is what keeps the intelligence together: a pattern in one line of business doesn't stay invisible to the others, and a signal from three years ago still connects to the decision being made today.
Everything above happens under continuous governance — retention rules, tenant isolation, least-privilege access, and a tamper-evident audit trail on every action. Every signal traces back to its source with full lineage. Every decision the memory informs is auditable. Governance isn't the last step; it's the layer that makes the other four safe to deploy in a regulated carrier.
The mechanism underneath — from ingestion to governance — laid out in the order it actually runs.
Drop in documents from underwriting, pricing, and claims — from your existing stores, scanned or native. No system-by-system migration required to start. You can also connect your existing data lakes and connect the unstructured content already living inside your core.
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, pricing logic, and compliance response that preceded it — across every line of business — building the policy lifecycle memory those disciplines couldn't build 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.
Data flows from your existing systems, sources, and the unstructured data you upload as you need. Governance runs through every layer.
Chief Underwriter, Actuary, Claims teams, CFO/COO, Compliance — each sees the patterns relevant to their role, with evidence organized for the decision.
Entity & relationship graph, cross-domain patterns, and the continuous memory that connects underwriting, pricing, claims, and compliance across time.
Documents and unstructured text — from anywhere they live — are classified, entities are resolved, and signals are extracted with insurance semantics built in.
Guidewire, Duck Creek, legacy PAS, claims systems, data warehouses. Qubru extracts value from both what's structured and what isn't.
Policies, claims, transactions, coverages — what every data warehouse already ingests.
Adjuster narratives, workshop quotes, medical approval text, underwriting memos — where the reasoning actually lives.
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.
The operational layer that consumes Qubru on a daily basis. Adjusters, examiners, and claims specialists open Qubru inside every case — retrieving the underwriting decision, the pricing logic, and the pattern context that inform how this specific claim should be handled. The reasoning behind the policy is one click away, not buried in three systems.
The operational layer that consumes Qubru on a daily basis. Policy operations, endorsement teams, and back-office staff use Qubru to reconstruct the full lifecycle of any policy on demand — resolving customer inquiries, processing endorsements, and preparing renewal packages with the full history at hand rather than assembled ad-hoc from separate systems.
The memory builds at your pace, not the system's. Qubru surfaces the reasoning that connects underwriting, pricing, claims, and compliance. Your actuaries review the patterns. Your underwriting committees evaluate the recommendations. Your claims professionals assess the outcomes. Your compliance officers verify the audit trail. Your teams make the calls.
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.
Both external documents (PDFs, scans, emails, native files) and the unstructured content already living inside your existing core systems (adjuster narratives, workshop quotes, medical approval text, underwriting memos, endorsement notes). The second path is where most operational reasoning lives, and it's where Qubru delivers signal fastest — through mechanisms specific to how insurance core systems structure their data.
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, and unstructured fields from core systems can be extracted without disturbing production data flows.