Every claim gets the read a large loss gets.
On both sides of the file, the position on a complex claim takes days because only a few people can write it. Qumis reads the claim against the whole policy, tests the timing clocks, drafts the position in hours at a reliance tier counsel governs, and keeps the record — one standard on every desk.
Bring a claim your team is working now — the position drafted live, cited, reliance-tiered.
Coverage position — a claims-made D&O claim, the three clocks tested
Representative screen · specimen claimCoverage position
Reliance: Counsel review 2 of 3 clocks satisfied·1 withheldThe three clocksEach tested on its ownComplaint · p.1Demand ltr · p.2
1Claim first made during the policy periodRefer to coverage counsel
Ins. Agr. I.A · p.2Cond. VII.D · p.11May relate back to the 9/16/24 shareholder demand.
2Wrongful act on or after the retroactive dateSatisfied
Decl. Item 7 · p.1Def. II.R · p.4Q2 2022 10-Q is the first misstatement — after retro.
3Reported within the notice windowSatisfied
Cond. VI.A · p.10Reported 7 days after service, 187 days ahead of the post-period deadline.
Exclusions & conditions4 tested · NSP-DO 1000 §IV
A claims department is judged by what it puts in writing.
Counsel-grade positions, in-house.
Build the coverage position from the policy itself — the clocks tested, the exclusions walked, every assertion cited — and send outside counsel the questions that deserve it. “Refer to counsel” is a designed verdict, not a failure.
One standard on every desk.
The large-loss read on the routine file: the same reading order, the same eight verdicts, the same citation discipline, whichever examiner or advocate has the claim — with the reasoning kept in the record.
The book, read for the pattern.
Loss runs and bordereaux analyzed on Qumis’s own computer — frequency against severity, causes of loss, deductible scenarios — with the executive summary written and every figure cited to the row.
Built for the professionals who already use Qumis most.
Because it cites the clause and says “I don’t know.”
Claims Coverage Analysis & Analytics
Coverage positions, reservations of rights, and the responses to them in hours — and the loss run read for the pattern.
See the use case 02Policy Review & Checking
The wording the claim turns on, read whole — the endorsement that rewrote the grant, the definition that quietly moved.
See the use case 03Program Structure & Design
Where the claim sits in the tower — attachment, follow-form drift, the exclusion circle between two policies.
See the use caseOn the advisory side, every position taken feeds the stewardship record — the year’s claims outcomes on the page a client rereads.
Claims professionals are Qumis’s most habitual users — a 30% power-user rate, the highest of any persona — and its highest-NPS persona at +25, against +11 overall.
Qumis production data, 180 days to August 2026
Underneath the six is Coverage Intelligence — the system of judgment Qumis is building for commercial insurance, where every reviewed decision makes the next one better.