Roots Automation - Insurance Solutions

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Insurance Carriers

Carriers are under growing pressure to deliver fast, personalized experiences. Meanwhile, your back and middle offices are overwhelmed, your combined ratio isn’t improving, and your profits are declining.

Increase your submission-to-quote and quote-to-bind ratios while also reducing the time required to complete those activities.

Your AI-powered Underwriting Assistant supports your underwriting department by:

Reading, extracting & transferring data from emails and documents to your systems
Performing quick declinations for uninsurable risks
Rating simple policies, then preparing and sending the quote
Binding new and renewing policies before forwarding to billing
Creating and distributing insurance documents

Customer Service is the pillar of the policy holder experience.

Empower your team with a Digital Coworker that proactively responds to and manages your back-office operations by:

Processing policy changes and eligible endorsements
Administering policies and renewals
Completing and distributing certificates of insurance and EOIs
Sending simple correspondence
Rating policy renewals

Eliminate unnecessary errors and costs, and alleviate stress from both your customers and your team.

Your new Digital Coworker will improve your Billing & Collection cycle times by:

Issuing and following up on outstanding premium receivables
Matching items to your general ledger
Processing flat and prorated cancellations
Communicating policy or procedural changes to your customers

Process lower complexity claims end-to-end and eliminate frustration throughout the claims process.

An AI-powered Claims Assistant has the capacity to act as support for your adjusters by:

Classifying, indexing, extracting and relaying claims data into your systems
Creating and sending claims acknowledgement letters
Requesting additional data from the policyholder as needed
Screening for potential fraud
Calculating and setting reserves and paying claims

Reduce cycle times and days-outstanding ratios.

You can trust a Digital Coworker to follow your set processes and recover your funds in a timely manner.

Updating the claim throughout its journey
Identify accounts for recovery or subrogation
Complete and send any forms for third parties
Communicate subrogation notices
Track status of the ongoing recovery

Underwriting

Increase your submission-to-quote and quote-to-bind ratios while also decreasing the time required to complete those activities:.

Your AI-powered Underwriting Assistant supports your underwriting department by:

Reading, extracting & transferring data from emails and documents to your systems
Performing quick declinations for uninsurable risks
Rating simple policies, then preparing and sending the quote
Binding new and renewing policies before forwarding to billing
Creating and distributing insurance documents

Servicing Policy Documents

Customer Service is the pillar of the policyholder experience.

Empower your team with a Digital Coworker that proactively responds to and manages your back-office operations by:

Processing policy changes and eligible endorsements
Administering policies and renewals
Completing and distributing certificates of insurance and EOIs
Sending simple correspondence
Rating policy renewals

Billing & Collection

Eliminate unnecessary errors and costs, and alleviate stress from both your customers and your team.

Your new Digital Coworker will improve your Billing & Collection cycle times by:

Issuing and following up on outstanding premium receivables
Matching items to your general ledger
Processing flat and prorated cancellations
Communicating policy or procedural changes to your customers

Claims Setup & Management

Process lower complexity claims end-to-end and eliminate frustration throughout the claims process.

A Claims Assistant has the capacity to act as support for your adjusters by:

Classifying, indexing, extracting and relaying claims data into your systems
Creating and sending claims acknowledgement letters
Requesting additional data from the policyholder as needed
Screening for potential fraud
Calculating and setting reserves and paying claims

Recovery & Subrogation

Reduce cycle times and days-outstanding ratios.

You can trust a Digital Coworker to follow your set processes and recover your funds in a timely manner.

Updating the claim throughout its journey
Identify accounts for recovery or subrogation
Complete and send any forms for third parties
Communicate subrogation notices
Track status of the ongoing recoveryark the claim as closed

Insurance Brokers & Agencies

As insurers begin to compete on premiums, your commission checks must stretch further.While you focus on growing your book of business, you need help maintaining it.

Increase revenue and create capacity.

Digital Coworkers help you expand existing accounts and win new ones by:

Collecting risk information across a variety of platforms, such as CAD systems and DCS Information Systems
Classifying the risk and matching to carrier appetites
Reading and completing ACORD forms as needed
Entering carrier quoting systems to gather quotes and find the best fit for the customer
Preparing the quote for final review, and sending to the customer
Identifying opportunities to cross-sell additional lines of business, and initiating the cross-sell process

Improve customer service and protect margin on commissions.

A Digital Coworker functions like a fully licensed CSR, and supports your policyholders – and your business – by:

Submitting policy changes and simple endorsements on behalf of the customer
Setting up the Premium Finance, if needed
Notifying the agent and/or customer of any outstanding items, such as payroll audits
Noting any significant rate increases at renewal, and automatically re-shopping the policy
Creating and forwarding requested documents, such as insurance ID cards, EOIs, and COIs

Improve operating costs around onboarding, claims and mid-term servicing activity.

Digital Coworkers are expertly trained to enable efficient general servicing and back-office operations by:

Creating and distributing Certificates of Insurance for the policyholder
Submitting policy changes and endorsements
Collecting data for policyholder’s compliance and workers comp audits
Supporting communications with Carriers
Moving data between systems of record

Retain key customers and lower your cost of customer acquisition.

Digital Coworkers enable revenue generating activities by:

Verifying all policy information pre and post renewal
Contacting customers when the account is flagged past due
Checking for new or updated contact information
Notifying customers and agents at renewal

Ensure you are hitting SLAs and adhering to protocols and process.

Digital Coworkers enable good carrier relationships by keeping your book of business in compliance with their standards, by:

Looking for, and collecting, signed applications
Auditing your book of business for missing information and documentation
Requesting documents as needed, like payroll information or updated driving records
Sending necessary communications to your policy holder

New Business

Increase revenue and create capacity.

Digital Coworkers help you expand existing accounts and win new ones by:

Collecting risk information across a variety of platforms, such as CAD systems and DCS Information Systems
Classifying the risk and matching to carrier appetites
Reading and completing ACORD forms as needed
Entering carrier quoting systems to gather quotes and find the best fit for the customer
Preparing the quote for final review, and sending to the customer
Identifying opportunities to cross-sell additional lines of business, and initiating the cross-sell process

Policy Servicing

Improve customer service and protect margin on commissions.

A Digital Coworker functions like a fully licensed CSR, and supports your policyholders – and your business – by:

Submitting policy changes and simple endorsements on behalf of the customer
Setting up the Premium Finance, if needed
Notifying the agent and/or customer of any outstanding items, such as payroll audits
Noting any significant rate increases at renewal, and automatically re-shopping the policy
Creating and forwarding requested documents, such as insurance ID cards, EOIs, and COIs

General Servicing

Improve operating costs around onboarding, claims and mid-term servicing activity.

Digital Coworkers are expertly trained to enable efficient general servicing and back-office operations by:

Creating and distributing Certificates of Insurance for the policyholder
Submitting policy changes and endorsements
Collecting data for policyholder’s compliance and workers comp audits
Supporting communications with Carriers
Moving data between systems of record

Retention

Retain key customers and lower your cost of customer acquisition.

Digital Coworkers enable revenue generating activities by:

Verifying all policy information pre and post renewal
Contacting customers when the account is flagged past due
Checking for new or updated contact information
Notifying customers and agents at renewalerify all policy information again when the policy renews

Compliance

Ensure you are hitting SLAs and adhering to protocols and process.

Digital Coworkers enable good carrier relationships by keeping your book of business in compliance with their standards, by:

Looking for, and collecting, signed applications
Auditing your book of business for missing information & documentation
Requesting documents as needed, like payroll information or updated driving records
Sending necessary communications to your policyholder

Third Party Administrators & BPOs

As the cost of labor increases, Digital Coworkers help you meet your SLAs and exceed your customer’s expectations.

Ensure you are hitting SLAs and adhering to protocols and process.

Digital Coworkers enable speed and accuracy by:

Reading, classifying and indexing documents
Importing and moving data across your systems
Supporting claims handling and servicing
Forwarding explanations of benefits (EOBs)

Improve customer service and quality.

Your AI-powered Claims Assistant can supercharge your claims operation by:

Verifying Insurance coverage
Finding in-network providers
Supporting fraud investigations

Process lower complexity claims end-to-end and eliminate frustration throughout the claims process.

An AI-powered Claims Assistant can support Claims settlement by:

Classifying, indexing, extracting and relaying claims data into your systems
Creating and sending claims acknowledgement letters
Supporting correspondence with the policyholder
Calculating and setting reserves and paying claims

Eliminate unnecessary errors and costs, and alleviate stress from both your customers and your team.

Your new Digital Coworker will improve your Billing & Collection cycle times by:

Issuing and following up on claims payments
Identifying accounts for subrogation
Matching items to your general ledger
Processing flat and prorated cancellations
Communicating policy or procedural changes to your customers
Calculating out of pocket billing, like copays and deductible

Reduce cycle times and days-outstanding ratios.

Digital Coworkers fulfil traditional TPA obligations as well, including:

Administering employee benefits and policies
Processing policy changes
Distributing documentation, like ID cards and carrier notices
Justifying bills and invoices with EOBs

Claims Receival & Data Entry

Ensure you are hitting SLAs and adhering to protocols and process.

Digital Coworkers enable speed and accuracy by:

Reading, classifying and indexing documents
Importing and moving data across your systems
Supporting claims handling and servicing
Forwarding explanations of benefits (EOBs)

Claims Adjudication & Investigation

Improve customer service and quality.

Your AI-powered Claims Assistant can supercharge your claims operation by:

Verifying Insurance coverage
Finding in-network providers
Supporting fraud investigations

Claims Settlement

Process lower complexity claims end-to-end and eliminate frustration throughout the claims process.

An AI-powered Claims Assistant can support Claims settlement by:

Classifying, indexing, extracting and relaying claims data into your systems
Creating and sending claims acknowledgement letters
Supporting correspondence with the policyholder
Calculating and setting reserves and paying claims

Billing & Collection

Eliminate unnecessary errors and costs, and alleviate stress from both your customers and your team.

Your new Digital Coworker will improve your Billing & Collection cycle times by:

Issuing and following up on claims payments Identifying accounts for subrogation
Matching items to your general ledger
Processing flat and prorated cancellations
Communicating policy or procedural changes to your customers
Calculating out of pocket billing, like copays and deductible

Policy Servicing

Reduce cycle times and days-outstanding ratios.

Digital Coworkers fulfil traditional TPA obligations as well, including:

Administering employee benefits and policies
Processing policy changes
Distributing documentation, like ID cards and carrier notices
Justifying bills and invoices with EOBs

Machine Intelligence + Human Ingenuity

By bringing together technology, data, machine intelligence & human ingenuity, our Customers realize significant value, fast.

Increase Capacity

Expand your human workforce up to 90% with trained Digital Coworkers. Better manage fluctuating peaks and troughs in demand. Avoid burnout.

Reduce Cost

Process more work, faster, with greater accuracy. No need to build Centres of Excellence or significant internal capability to manage your Digital Workforce.

Rapid ROI

Each Digital Coworker comes pre-trained with knowledge of documents and processes, enabling them to be operational from day 1. Typically driving 250% ROI for our Customers.

Adopt AI Faster

Our AI models and algorithms are configured to work out of the box, built on a deep repository of tagged system and document data. No need for expensive data, IT or infrastructure investments.

Avoid Disruption

Digital Coworkers plug into your existing ways of working, minimizing disruption and risk associated with extensive change programs

Improve Work

Eliminate the mundane, manual part of people’s work that typically slows them down, produces errors and causes burnout.

Request a demo

CUSTOMER SUCCESS

Our Customers see Digital Coworkers as important members of their team

“The Digital Coworkers Roots Automation provides work in conjunction with our Team to optimize our medical claims process. Our Digital Coworkers provide the simplicity and scalability necessary to deliver best-in-class productivity to our clients. Additionally, we value the insights from the Roots Automation Team about our processes, of which, we integrate into our continuous improvement plans for our business practices in order to provide industry leading solutions.”

Kevin Mahoney

President & COO, Carisk Partners

“Everything happened fast, our digital coworker ‘Roxy’ was trained and ready on time as promised! The team at Roots Automation have been a pleasure to work with! They’ve anticipated our questions and respond quickly to our asks and changes.”

Lea Lundquist

VP, Claims Administration, Protective Insurance

“We appreciate all of Roots Automation's efforts to automate a challenging initiative with 500,000+ transaction requests annually. Our internal Center of Excellence was able to get to production faster and more cost-effectively than what we originally planned.”

David Emmer

CIO, Anchin, Block & Anchin LLP

"Insurance companies have a desperate need to automate many business processes for efficiency, but current solutions are limited to rule-based tasks and aren’t insurance industry-specific, limiting their potential, Digital Coworkers lessen our stress over finding and retaining talent, and unburden our teams so they can focus on more impactful work. Roots Automation’s unique approach to automation has improved our employee retention while offering superior economics and enhanced customer experience".

Cathy Raitter

VP of Insurance Support Services, Berkshire Hathaway Guard President

"Roots Automation has helped American Exchange automate and improve a lot of our internal data validation and data entry processes. This has both reduced our workload and has reduced human data entry error to almost zero. The best part is that our process with Roots Automation has allowed our agents to do what they do best, and that is talk to people and help them with their individual and Medicare health insurance decisions."

Andrew Hetzler

Chief Executive Officer, American Exchange

“We began our relationship with Roots in 2022 as part of a larger corporate strategy to use technology to be more efficient and to better serve our customers. With Roots, they're only focused on the insurance industry. They could talk our language and lead us through different workflow options; they knew the challenges we would face and we made quick decisions in a short timeframe. It was very rewarding, in the end, to have deployed the first Digital Coworker at Eastern. I'm very proud. We solved the core use case problem and accomplished our goal of implementing AI into Eastern Alliance.”

Harry Talbert

Senior Vice President of Information Systems, Eastern Alliance

Insurance

Unlock the human potential across your business by augmenting your people with Digital Coworkers.

Insurance Carriers

Insurance Brokers & Agencies

Third Party Administrators & BPOs