Close claims faster. Defend every decision.
Wilbur helps insurers move from fragmented evidence and manual handling to decision-ready claims, governed workflows, and audit-ready execution.
From first notice to settlement, clearer evidence, stronger triage, tighter leakage control, and a defensible record of what happened, why it happened, and who approved it.
Two capture gaps flagged, I’ve requested the missing photos already.
Challenges we solve
Insurers are under pressure to resolve claims faster, control cost and improve customer experience, while maintaining defensibility under increasing regulatory and complaints scrutiny.
Speed where you can. Control where you must.
Wilbur turns the evidence inside every claim into structured intelligence, routes work through your own controls, and keeps every decision, communication, approval, payment and supplier action on one traceable record.
That is what claims intelligence infrastructure means in practice: not another workflow screen or AI add-on beside your core, but the governed record the whole claim runs on. Wilo reads the evidence and prepares the decision, your handler decides, and the audit trail writes itself.
The value is not just speed. It is faster movement, with stronger control.
First notice to settlement, one governed record.
Claim received
Policyholder, broker, supplier, API, or internal team lodges the claim.
Evidence captured
Photos, video, documents, forms, and claim details are captured and structured.
Intelligence prepared
Wilo reviews the evidence, identifies gaps, summarises the claim, highlights risk indicators, and prepares the file for human review.
Workflow governed
The claim is routed according to insurer rules, authority levels, claim type, severity, risk, and operational pathway.
Execution tracked
Assessors, suppliers, approvals, communications, payments, and exceptions are managed on an auditable record.
Human decision retained
A person remains responsible for coverage, liability, settlement, total loss, repair approval, and payment decisions.
What’s in the box.
Wilbur combines claims workflow, governance controls, reporting, access control, and intelligence capabilities into a configurable operating layer for each claims environment.
Wilbur prepares evidence and intelligence, authorised humans make coverage, liability, settlement, total-loss, repair approval and payment decisions.
Core claims workflow
Governance and controls
Platform and intelligence
One connected claim. Every party, one record.
Wilbur connects everyone in the value chain, policyholder, insurer, broker, assessor, builder and supplier, on one governed record. That is where the outcomes come from:
Lower claims cost.
Leakage surfaced earlier, re-contact and re-inspection reduced, less handler time lost to chasing disconnected parties.
Defensible on every file.
Every party's decisions, communications, financial movements and supplier activity on one audit trail, a cleaner evidence base for settlement, recovery and audit.
Control across the whole operation.
Reserve, payment and approval governance, consistent triage, live visibility across status, SLA, financials and compliance, including the parts of the claim other systems can't see because they happen outside them.
A better claim for the customer.
The policyholder stops being the messenger between disconnected participants, and suppliers perform visibly on the same record.
Trusted across the claims ecosystem.
Across all P&C lines
“Wilbur gives our team structure and visibility today, and keeps evolving with the demands of claims.”
“Wilbur has been integral in delivering customer and business outcomes.”
“Wilbur has revolutionised our claims operations — connectivity and intelligence we value highly.”
