Naitiv delivers a full suite of AI-native insurance solutions built on ServiceNow FSO to modernize how P&C carriers operate. From personal and commercial lines onboarding to renewal processing, book roll, claims and FNOL, and bordereaux generation, each application runs on one shared data model and governed workspace, replacing fragmented legacy workflows with straight-through processing and real-time visibility. Underpinning it all, capabilities like AI Ledger and Risk Appetite give carriers an audit-ready view of every AI decision and underwriting guideline so automation scales without sacrificing compliance or control.
The first FSO-native onboarding application for personal lines carriers. Account setup, home inspection, policy verification, and property inventory — four workstreams orchestrated in one governed workspace.
End-to-end intake, verification, and bind for commercial lines. Real-time data prefill, straight-through processing for standard risks, and a referral queue for everything flagged.
Mid-term endorsements and multi-carrier COI issuance through self-service. 80%+ straight-through processing for standard changes, ACORD-compliant with a full audit trail.
FNOL intake across voice, web, and chat with real-time coverage verification before a human touch. AI triage matches severity, coverage, and jurisdiction to the right adjuster in seconds.
Portfolio migration and re-underwriting managed end to end. Risk segmentation, carrier appetite mapping, state-specific regulatory timelines, and bind confirmation in one workflow.
Risk, premium, and claims bordereaux generation with MGA reconciliation built in. ACORD and Lloyd’s-ready, with automated discrepancy flagging and a full audit trail per submission.
Full renewal automation across BOP, commercial auto, and workers’ comp. AI loss-run ingestion, straight-through processing for within-appetite renewals, and referral routing for everything else.
Your AI is making decisions — AI Ledger makes sure you can see them. One audit-ready record of every AI interaction across core systems, Now Assist, and shadow AI, with a one-click compliance, such as an NAIC exam package.
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