Every file, not a 2% sample
Industry QA samples one to four percent of closed files; a market-conduct exam samples a hundred. Owl reads every file, every time, against your QA scorecard, your unfair-claims framework, your reserve-discipline rules and the state DOI protocol, with span and citation already attached to each finding.
100%
Files reviewed
38×
Rule-checks per file
$0
Findings to a state DOI uncited
Three AI agents reviewing every closed file. Audit-ready by default.
Pick a line. See the findings Owl raises: at close, before they become a market-conduct exam.
Each line has its own QA framework: timing, communication, reserve discipline, decision-rationale. Owl indexes them all.
NY 11 NYCRR 216.6 requires coverage acknowledgement within 15 business days of FNOL. File shows no acknowledgement letter; reg violation. Pattern in 7 of 84 files audited this quarter for this examiner.
Reserve moved 4× post-30-day mark. Each change supported in file notes; pattern is acceptable but at the edge of the carrier QA scorecard threshold of 3.
Two findings: (1) NY 216.6 coverage-acknowledgement letter missing: reg violation, examiner coaching required, pattern across 7/84 files. (2) Reserve discipline at scorecard edge but not a finding. Corrective action: examiner refresh on NY 216.6 timing requirements, add coverage-acknowledgement letter to FNOL automation. Cohort outcome at next state DOI exam: 0 findings post-correction. Finding memo, examiner coaching memo and CAP attached.
How Owl plugs into the QA workflow. Continuous, not periodic.
File closes
Owl reads every closed file end-to-end against the carrier QA scorecard and the state DOI framework.
Findings raised, cited
Each finding cites the file span, the rule, and the cohort-pattern it fits. No uncited findings.
Examiner coaching
Pattern findings group by examiner with coaching memos. Owl drafts the framework.
QA reviewer signs
Loads findings, drafts CAP, drafts coaching note. Validates and edits.
Market-conduct ready
On exam, Owl produces the universe pull, the tracer file, the case-sample response and the citation packet.
Numbers from carriers running Owl in QA & audit.
Built for the regulatory shape of state DOI market-conduct exams.
Lives where your Quality & Audit team lives.
Claims platforms
Guidewire ClaimCenter, Duck Creek, FINEOS, Origami, Majesco
QA platforms
WorkView, Athenium, MajorAccounts QA, in-house
Compliance platforms
Archer, LogicGate, MetricStream, ServiceNow GRC
Reporting + BI
Snowflake, Databricks, Tableau, PowerBI, Looker
DOI portals
NAIC SERFF, state market-conduct portals
Identity & SSO
Okta, Azure AD, PingFederate, SAML, SCIM
Bring us a quarter of closed files. We’ll review every one and surface what your sample missed.
Two-week pilot. Your last 100K closed files, your QA scorecard, your state DOI framework. We measure findings-rate, cite-quality, examiner-pattern detection and market-conduct-readiness against your audit team’s ground truth.