Control claims, suppliers and spend on one governed record.
Wilbur helps self-insured organisations manage claims with stronger evidence, clearer workflows, supplier oversight, financial control, and audit-ready reporting.
When your organisation carries the claim cost, control matters. Operations, finance, risk and leadership get a clearer view of what is happening, where spend is moving, and whether claims are being handled consistently.
This invoice runs 12% over the rate book, routed for second approval with the variance shown.
Challenges we solve
Self-insured organisations need to manage claims like an insurer, often without insurer-grade claims infrastructure.
Wilbur gives self-insured organisations a governed operating layer for claims.
It helps internal teams capture claims consistently, manage evidence, allocate work, monitor suppliers, control financial decisions, and report clearly to finance, risk, and leadership.
The value is insurer-grade claims control for retained-risk environments, workflow, supplier oversight, financial governance, reporting, security and auditability in one controlled platform.
Insurer-grade control, run internally.
Claim lodged
Claims enter through API, broker portal, direct policyholder submission, or internal claim handler entry.
Claim validated and triaged
Dynamic forms, mandatory fields, policy or entitlement lookup, duplicate checks, claim numbers, initial reserves, triage questions, and risk indicators structure the claim early.
Assessment managed
Internal or external assessors are scheduled, remote or on-site assessment is managed, scope and estimates are reviewed, and evidence is retained.
Supplier work controlled
Suppliers are allocated based on region, service type, panel rules, availability, compliance, and authority settings.
Financial controls applied
Reserve movements, invoices, staged payments, approvals, excess, recoveries, settlement, payment files, and reconciliation are managed with clear authority controls.
Governance retained
Every claim, document, communication, approval, reserve movement, supplier action, and payment decision is logged.
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
Own the risk. Own the record.
You chose to carry this risk. Wilbur gives you the control, the visibility and the evidence to run it like the professional program it is, and prove it to finance, leadership and review.
Control of every dollar.
Payment and approval risk reduced inside the authorities you set, with clean visibility across finance, reserves, payments and recoveries, the numbers your CFO asks for, live, not reconstructed at quarter-end.
One program, not fragments.
Claims, suppliers and repairs handled consistently on one record, supplier and repair oversight built in, fragmented handling gone, and retained-risk governance you can actually see.
Audit-ready, always.
A complete record for finance, risk, leadership and external review, with privacy and access control over sensitive claim and personal information handled by design, not assembled under pressure when someone asks.
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.”
