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Precision. Speed. Clarity.

Overview

In insurance, documents are the foundation—ACORD forms, inspection reports, loss runs, and policy PDFs flood systems daily. But manual handling slows everything down. Errors creep in. Time is wasted on data entry instead of decision-making, causing delays in policy issuance, claims processing, and overall service delivery.

InsurDocIQ, our AI-powered solution built on HTC MAiGE, changes that. It captures, understands, and transforms unstructured inputs into structured, validated data ready for core ingestion. Seamlessly integrating with systems like Guidewire and Duck Creek, InsurDocIQ automates document intake across the policy lifecycle—from new business and underwriting to servicing and claims. The result? Greater speed, accuracy, and clarity across every touchpoint—from policy to payout.

Transformative Features That Matter Content:

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Intelligent Ingestion & Classification

Simplify and standardize document intake from every channel and format.
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AI-Powered Extraction & Validation

Unlock reliable, accurate data extraction backed by deep learning and insurance-aware schema validation.
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Seamless Integration & Automation

Automate the end-to-end flow from document capture to policy and claims ingestion with plug-and-play integrations.
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Enterprise-Ready Operations

Built for scalability, visibility, and compliance across all Lines of Business.
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Robust Security and Sacalability

Deliver operational excellence with intuitive interfaces, real-time insights, enterprise-grade service orchestration.
Transformative Features That Matter Content:
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Simplify and standardize document intake from every channel and format.

Design and deploy the necessary infrastructure and modern data solutions to apply product thinking to datasets that can be served to various users within and outside of your enterprise. At the same time, ensure discoverability, security, explorability, understandability, and trustworthiness.

  • Omni-Channel Document Intake: Capture documents from any source such as emails, portals, direct uploads, CSVs, Excel sheets, OCR, OMR, LLM streams, or text, ensuring seamless intake from agents, brokers, customers, and partners across all channels.
  • Smart Classification & Page Splitting: Automatically detect ACORD and non-ACORD forms. Split multi-document PDFs into individual forms using AI-driven logic, enabling clean, structured document flows from the start.
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Unlock reliable, accurate data extraction backed by deep learning and insurance-aware schema validation.

  • AI-Powered Data Extraction: Leverage advanced AI models from OpenAI and Azure Form Recognizer to extract high-fidelity key-value pairs, tables, and unstructured data with precision.
  • AI-Powered Accuracy & Data Quality: Every extracted field is validated against insurance-specific rules and schemas, ensuring accuracy, compliance, and readiness for downstream processing.
  • Customizable Data Formats: Output data in XML or JSON formats, tailoring data exchange to your internal workflows, system requirements, or integration standards.
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Automate the end-to-end flow from document capture to policy and claims ingestion with plug-and-play integrations.

  • Fully Automated Data Ingestion: Clean, validated data flows directly into your Policy Administration Systems and claims platforms without manual touchpoints.
  • Deep Integration with Core Systems: Includes out-of-the-box integrations with Guidewire PolicyCenter, ClaimCenter, Duck Creek, and other PAS and claims systems, ensuring seamless alignment with your core workflows.
  • API-Driven Data Exchange: Enable real-time, secure, and scalable communications between systems using SOAP or RESTful APIs, accelerating data handoffs across the enterprise.
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Built for scalability, visibility, and compliance across all Lines of Business.

  • Digital, Interactive User Interface: A modern, intuitive dashboard for agents, underwriters, and claims teams to monitor workflows, handle exceptions, and make real-time decisions.
  • Real-Time Dashboard & Reporting: Get granular visibility into document status, confidence scores, exceptions, and audit trails with built-in reporting and alerts.
  • Enterprise-Grade Middleware Layer: Ensure robust operations with middleware services including caching, analytics, error handling, throttling, logging, and security controls.
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Deliver operational excellence with intuitive interfaces, real-time insights, enterprise-grade service orchestration.

  • End-to-End Data Security: Protect all data, at rest and in transit, with enterprise-grade encryption, access controls, and privacy protections built into the platform.
  • Cloud-Ready & Scalable Deployment: Easily deploy across cloud or hybrid environments with horizontal scaling to support growing volumes across Commercial and Personal LOBs.
  • Post-Processing & Archival: Securely archive documents with full traceability and easy retrieval to support audits, regulatory compliance, and historical referencing.

Making document chaos a thing of the past.

From first customer touch to final claim payout, InsurDocIQ is your partner in transforming how insurance works.

Intelligent FNOL (iFNOL): From Friction to Fulfillment

Complementing InsurDocIQ—and available as a modular offering within it—HTC’s AI-enabled iFNOL platform simplifies the first notice of loss (FNOL) process for auto insurers.

Acting both as a standalone, cloud-ready solution and as an integrated extension of InsurDocIQ, iFNOL is designed to reduce costs and elevate customer satisfaction. It captures FNOLs from any format—emails, images, voice inputs, or chatbots—and auto-fills them in real time, even with minimal input.

Rapidly deployable and fully integration-ready, it also leverages telematics to enable services such as roadside assistance and towing. For fast, intelligent handling of routine claims, iFNOL sets a new benchmark in FNOL automation.

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Insights you can trust