Insourcing Claims

Many MGAs outsource claims. We just did the opposite.

At VERVE, we’ve officially insourced our claims service, and it’s one of the most important strategic moves we’ve made to date.

We’ve built an experienced team, each with 15+ years of personal auto claims expertise.

Backed by 10+ integrated vendors, we’ve streamlined operations and optimized process flow to deliver faster, smarter, and more consistent claims outcomes.

Here’s why it matters:

1. Control = Outcomes.

If you’re just selling policies and hoping your TPA gets it right, you’re not an operator.
You’re a distributor.

We built VERVE to be a full-stack MGA, not a middleman.
That means owning the entire value chain, claims included.

2. Claims isn’t a cost center.  It’s a profit lever for our (re)insurance partners.

Poor claims experiences kill retention, spike LAE, and burn your brand.
But when done right? Claims is where trust is reinforced.

By bringing claims in-house, we’re creating alignment between underwriting intent and real-world execution, with AI in the driver’s seat.

3. AI supercharges the model.

We’re applying predictive analytics and machine learning to:
• Flag suspicious claims before losses escalate
• Route first notice of loss (FNOL) intelligently based on type and complexity
• Decrease cycle times and deliver faster, easier payments to claimants

This is all happening on our platform, right now.

The result?

📈 Faster cycle times
💰 Lower severity and LAE
🙌 Happier customers
🤝 Better loss ratios for our carrier and reinsurance partners

When your capital partners win, you win.

MGAs that simply sell business are replaceable.
MGAs that drive profitable outcomes are indispensable.

At VERVE, we’re building for the latter.

If you’re a carrier or reinsurer looking to protect your capital and outperform the market, we should talk.

Let’s build something better.