Decisions that hold up
under scrutiny.
Coverage determinations, reservation-of-rights review, and advocacy memos with citation-linked reasoning—at the speed the file demands, to a standard you can sign.
Qumis thinks through claims like a lawyer.
Investigate the coverage. Make the decision. Build the file.
The coverage investigation
Clause-by-clause, endorsement-aware, tower-aware. Follow the grant through everything that touches it—across the whole program, not one form at a time.
The coverage decision
Grounded in the form and the law, read from either chair—asserting coverage or reserving rights. What is missing, what is implied, and what the position in front of you gets wrong.
Build the file
Every determination carries its decision trail—documents reviewed, clauses cited, assumptions, confidence, and reviewer.
Endt. 9 narrows the grant for Counts II–IV
The reservation of rights is silent on this clause
Read against the complaint, the notice, and 187 letters
One file · 212 documents · 5,112 pages · read in full
It reads the whole file.
The coverage issues live between documents—the endorsement that contradicts the position letter, follow-form language that quietly does not follow. Qumis reads the entire claim file—policies, endorsements, pleadings, correspondence—and surfaces every coverage issue in it. Long-running agents work through thousand-page files in the background while you work the desk.
Meet the Certified AgentsThe cost of a wrong call is rarely the limit.
A wrongful denial can cost many multiples of the limit. The documented, cited determination is both the prevention and the defense. If it can’t cite it, it says so—and the hardest calls stay human.
“It is like a first-year associate, only faster and more accurate. It consistently delivers thoughtful, well-reasoned responses.”
Built by lawyers—Qumis was founded by a coverage attorney and is benchmarked against an attorney-grade standard.