In plain English: EpochCoverage underwrites, detects fraud, and settles claims automatically — built for the lines legacy carriers can't price fast enough: cyber, parametric, embedded. Every underwriting decision and settlement is recorded as court-admissible evidence in a WORM ledger.
By the time a legacy underwriter prices an emerging risk, the exposure has changed. The market the customer needed has already moved on.
Claims fraud caught post-settlement is money gone. Without a real-time signal at intake, the loss ratio quietly eats the book.
When a denied claim ends up in court, "our model decided" isn't evidence. You need a sealed, time-stamped record of exactly what you knew.
Ten tools spanning the policy lifecycle — built for the parametric, cyber and embedded lines where speed and provable decisions win the book.
Price a policy in seconds from line, exposure and risk — with a risk model behind every quote.
A real-time fraud signal at intake and at claim — catch it before you bind, before you pay.
Automated claims processing and auditable settlement — fast payouts on legitimate claims, evidence on the rest.
A court-admissible evidence vault and compliance engine — every decision sealed and defensible.
A working underwriting desk. Enter a risk and it prices the premium, breaks down the loading, runs a fraud signal, and returns a bind-ready or refer decision — a strong fraud signal drops confidence and routes to a human, exactly as the live agent gates it. Every quote sealed as court-admissible evidence.
The underwriting engine prices the line from exposure and risk — a quote in seconds, not weeks.
A real-time fraud signal scores the risk before you bind; a strong signal routes to a human underwriter.
The decision, its inputs and rationale are sealed Ed25519 + ML-DSA to a WORM evidence vault — 7-year retention.
Add EpochCoverage to your watsonx Orchestrate workspace, or let the Prompt Builder wire it into a quote-check-settle chain.