Casebibliotek
Commercial insuranceChief Claims Officer

The Claims Assistant That Did Not Need a Swarm

A leadership team replaces an impressive but untestable multi-agent proposal with a staged architecture that earns complexity from evidence.

Scenariet

Teaching composite — not a claim about a named organisation or measured outcome. A claims organisation wants an assistant to prepare a case summary from policy documents, adjuster notes and photographs before a human handler decides the next step. The proposal has a planner, five specialist agents, an autonomous web researcher, a reviewer and a supervisor. It looks sophisticated, but no one can say which agent owns a wrong recommendation, which tools may access claimant material, or how a failed run resumes.

The claims officer reframes the design. The first release needs to retrieve approved internal evidence, extract a fixed summary, identify missing evidence and prepare—not make—the handler's recommendation. A single retrieval-grounded agent with a structured output may meet that need. A planner, specialist workers or browser automation may be added later only if representative evaluation shows a specific limitation that the simpler system cannot meet.

The team records the deterministic controls: case access, permitted sources, validation, the action boundary and a human approval before any customer communication. It defines an evaluation set including ordinary claims, conflicting notes, missing documents and requests outside the assistant's authority. The result is not less ambitious; it is a design the business can test, explain and safely improve.

Sådan kommer AI ind i arbejdsgangen

  1. Frame the decision

    Menneske

    The claims officer defines the first work product, accountable handler and unacceptable failure.

  2. Choose the minimum pattern

    Menneske + AI

    The team tests whether one retrieval-grounded agent can produce the structured summary before adding a planner or worker team.

  3. Set deterministic controls

    Menneske

    Identity, case access, source eligibility, validation and the action boundary remain code-owned.

  4. Run representative evaluation

    Menneske + AI

    Handlers test normal, conflicting, incomplete and out-of-scope claims; the system records quality, latency, cost and failures.

  5. Approve the next complexity

    Menneske

    The owner decides whether evidence justifies a new tool, loop, specialist or durable graph workflow.

Spørg om workflowet

ADA, taskforcens næstkommanderende, forklarer præcis, hvordan menneske og AI deler arbejdet — spørg om hvad som helst.

Taskforcen: menneske + agenter

Resultater

MetrikFørEfter
Architecture choiceA labelled but untestable swarmA minimum design with an explicit upgrade trigger
Control ownershipImplied by promptsCode-owned permissions, validation and approval
LearningDemo impressionsRepresentative quality, recovery, cost and safety evidence

Vigtigste pointer

  • Start with the smallest pattern that can meet the work product and quality bar.
  • A model may interpret evidence; code must control access, validation and irreversible state changes.
  • Each added loop, tool or specialist needs a measured failure it solves and a bounded recovery path.
  • Human approval is an operational control only when rejection, modification and resume are all explicit.

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