Insurance
The underwriter builds the risk out of attachments, authority is policed in a sample months afterwards, and a reserve moves without being able to say what justified it. Fraud is judged one claim at a time, by people who never see the second claim. Gothem gives the insurer one current picture of policies, insureds, risks, claims, reserves and treaties — where authority is held at the point of bind and every settlement answers for itself.
The problem
A submission lands as a schedule, a loss run, a survey and a broker’s email. The underwriter spends the morning building the risk before they can price it, and the treaty position and the insured’s other policies are looked up separately, if at all.
Underwriting authority is written in a manual and checked in a sample afterwards. Breaches surface in an audit months later, when the risk is already on the book and the broker relationship makes it awkward to unwind.
A reserve moves and nobody can say which fact justified it, so development is argued rather than read. Fraud is judged one claim at a time, by an adjuster who cannot see the claimant’s other claims, the repairer behind them or the intermediary they share.
What Gothem changes
Gothem presents the submission with the insured, the exposure, the loss history, the broker relationship and the treaty position already resolved. The underwriter opens a risk rather than a folder of attachments.
Gothem holds each underwriter’s authority where the risk is bound, not in a manual read afterwards. Beyond it the risk is referred, and the rationale, the decision and the referring authority stay attached to the policy for good.
Gothem records every reserve movement against the claim exactly as it stood when the movement was made. The development of a claim reads as the sequence of decisions that produced it.
Gothem drives the claim from the facts as they land — the notification, the documents, the assessments, the payments. Every step is attributable to the person who took it, so a fast settlement is as answerable as a contested one.
Gothem connects claimants, intermediaries, repairers and prior claims across the entire portfolio, and flags a claim for investigation while it can still be stopped — learned from this insurer’s own confirmed outcomes.
Gothem shows written exposure against treaty structure, accumulation and appetite while the book is being written. What the insurer is carrying is known while it can still be changed, not at the quarter.
Custody
Gothem lets two adjusters hold the same claim while one of them holds it with the medical report withheld. The right person sees exactly what they should and nothing else, wherever the claim is opened.
Gothem runs in the jurisdiction the licence requires — your cloud region, your own data centre, or neutral ground. No one, Gothem included, can look inside without the insurer’s approval.
Gothem learns pricing, severity, fraud and lapse from this insurer’s own experience. Nothing is pooled between insurers — what the book teaches stays inside the book.
Built once. Configured to the institution.
If your organisation runs on decisions that carry consequences, we should talk.
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