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Insurance Operations

Claims volume is rising.
Your visibility into why
costs are climbing isn’t.

Bramble maps the claims lifecycle to reveal where adjuster capacity is lost, where rework patterns inflate cost-to-serve, and where cycle time friction compounds — then drives sustained improvement across every line of business.

15–20% annual growthClaims volume trajectory
Cost pressure risingInflation × supply chain
Fragmented visibilityAcross claims lifecycle
Claims Lifecycle — Friction MapLive Analysis
FNOL INTAKE
1.2d avgOn track
ASSIGNMENT
0.8d avgOn track
INVESTIGATION
8.4d avgFriction
EVALUATION
6.1d avgCritical
NEGOTIATION
4.3d avgFriction
SETTLEMENT
2.1d avgOn track
Investigation + Evaluation account for 62% of total cycle time. Adjuster rework at evaluation creates a 3.2× cost multiplier on complex claims.
Avg Cycle Time22.9d+3.1d vs baseline
Adjuster Utilization61%39% capacity gap
Rework Rate18.4%↑ 4.2% from Q3
Measured in Insurance Operations
25%
Underwriting productivity improvement
38%
Commercial claims cost reduction
8×+
Year 1 return on investment
<90d
Time to measurable operational impact

Insurance operations face compounding pressure — with declining visibility

Volume grows. Costs inflate. But the tools meant to provide clarity still describe outcomes, not causes. Operations leaders manage by intuition where they should manage by measurement.

15–20%
Annual claims volume growth

Across property, casualty, and specialty lines — without proportional staffing increases. Adjusters absorb the delta.

+22%
Average severity increase

Inflation and supply chain costs drive claim severity upward. Cost-to-serve is rising faster than premiums can adjust.

4–7
Disconnected systems per claim

From FNOL through settlement, claims traverse multiple platforms with no unified view of where time and capacity are lost.

58–65%
Typical adjuster utilization

The remaining 35–42% isn’t idle time — it’s friction. Rework, handoff delays, system navigation, and process ambiguity.

Your reporting describes what happened. Not why — or what to fix.

Traditional BI tools track claims closed, average cycle times, and total costs. They cannot tell you why investigation takes 8 days instead of 4, where adjuster capacity is consumed by rework, or which process steps generate the highest cost variance.

“We had 14 dashboards. We could tell you what our cycle time was. We could not tell you why it was getting worse, or what specifically to change.”

— VP Claims Operations, National P&C Carrier
Traditional Reporting
  • Claims closed this month
  • Average cycle time
  • Total claim costs
  • Headcount by team
Bramble Reveals
  • Where cycle time friction concentrates
  • Why adjuster utilization drops at evaluation
  • Which rework patterns inflate cost-to-serve
  • What to improve next — and whether it holds

From baseline to sustained improvement in under 90 days

Bramble follows a structured path: establish measurement, reveal friction, then drive and track improvement — continuously.

Phase 01

Establish a trusted baseline

Days 1–30

Connect existing systems — claims platforms, workflow tools, communication channels. Bramble builds a unified operational baseline without disrupting current processes.

Unified view across claims lifecycle stages
Adjuster utilization and capacity measured
Cycle time mapped by stage, team, and complexity
Phase 02

Reveal lifecycle friction

Days 31–60

Bramble identifies where capacity is being lost — rework loops, handoff delays, process ambiguity, workload imbalance — with insurance-specific pattern detection.

Friction points ranked by recoverable capacity
Rework patterns mapped to cost-to-serve impact
Stage-level bottlenecks identified across LOBs
Phase 03

Drive sustained improvement

Days 61–90+

Convert insight into action. Track whether changes hold. Bramble turns operational improvement from a periodic initiative into a continuous cadence.

Improvement priorities ranked by impact and effort
Regression detection when performance slips
Continuous measurement across every line of business

What insurance operations teams achieve with Bramble

Faster
Cycle times

Claims move through investigation and evaluation faster once friction is identified and removed — not by working harder, but by eliminating rework and wait states.

Lower
Cost-to-serve

When adjuster capacity is recovered from friction, the same team handles more volume at lower unit cost — with a measurable reduction in cost-per-claim.

Higher
Adjuster utilization

Moving from 58–65% to 75%+ utilization by converting time lost to rework, delays, and system navigation into productive claim-handling capacity.

Insurance Operations

See where your claims operation is losing capacity

We'll map your claims lifecycle, identify friction points, and show you the operational improvement path — with insurance-specific benchmarks.

For claims operations leaders, VPs of insurance operations, and COOs