Multi-Agentic Automation for Evaluating Property Claims in Underwriting

Insurance underwriting for property damage demands extensive human labor efforts while consuming large amounts of time and presents challenges from document variety and complexity. This paper develops a Multi-Agentic Automation Framework by using Multi-Agent Systems with Large Language Models to improve property claim underwriting. Each individual task within the underwriting procedure receives autonomous AI processing from self-modular agents working in coordinated teams to process documents for risk assessment insights generation. Furthermore, the framework offers three main components which are its modular design along with its task split and coordination features and its use of LLMs for context-driven document interpretation. The outcomes of our experiments prove that with this framework we can achieve an accuracy of up to 92.9% while getting responses in under a minute. This comes with consistency and proning to deviation of about 94% while handling complex and edge-cased scenarios. We test this in a commercial and production-ready setting using Streamlit and CrewAI alongside Pydantic. This shows the practical usage of the framework to enhance scalability and underwriting workflow efficiency and cost reduction. The insurance industry is envisioned to benefit from LLM-driven multi-agent systems creating opportunities for quicker and better underwriting processes that build lasting and reliable insurance solutions.

Authors

Institutions

Publication Details

Journal
Open Journal of Applied Sciences
Published
2025-01-01
DOI
https://doi.org/10.4236/ojapps.2025.154055
Primary Topic
Law, Economics, and Judicial Systems
Type
article
Field-Weighted Citation Impact
0.00
Controls
|||
ALL TIME
JAN
FEB
MAR
APR
MAY
JUN
JUL
AUG
SEP
OCT
article

Multi-Agentic Automation for Evaluating Property Claims in Underwriting

Muhammad Sajid
1 links
Open Journal of Applied Sciences
Law, Economics, and Judicial Systems
article

Multi-Agentic Automation for Evaluating Property Claims in Underwriting

Muhammad Sajid
article en

Abstract

Insurance underwriting for property damage demands extensive human labor efforts while consuming large amounts of time and presents challenges from document variety and complexity. This paper develops a Multi-Agentic Automation Framework by using Multi-Agent Systems with Large Language Models to improve property claim underwriting. Each individual task within the underwriting procedure receives autonomous AI processing from self-modular agents working in coordinated teams to process documents for risk assessment insights generation. Furthermore, the framework offers three main components which are its modular design along with its task split and coordination features and its use of LLMs for context-driven document interpretation. The outcomes of our experiments prove that with this framework we can achieve an accuracy of up to 92.9% while getting responses in under a minute. This comes with consistency and proning to deviation of about 94% while handling complex and edge-cased scenarios. We test this in a commercial and production-ready setting using Streamlit and CrewAI alongside Pydantic. This shows the practical usage of the framework to enhance scalability and underwriting workflow efficiency and cost reduction. The insurance industry is envisioned to benefit from LLM-driven multi-agent systems creating opportunities for quicker and better underwriting processes that build lasting and reliable insurance solutions.

Open Journal of Applied SciencesVol. 15(04)
Sulaiman Al Rajhi Colleges (SA)
Openalex Percentile: Top 91%
Law, Economics, and Judicial Systems
AI Navigator

Ask Laika to Summarize, Analyze, and Connect papers live on the map.

Summarize Papers & Methodologies

Extract key findings, datasets, and comparative methods across publications.

Benchmark Rankings & Visual Analytics

Rank top research institutions, authors, funders, topics, and journals by Field-Weighted Citation Impact (FWCI) and paper volume with instant charts.

Connect Distant Disciplines

Bridge topological clusters on the map to find hidden collaborative intersections.

Multi-Agentic Automation for Evaluating Property Claims in Underwriting — Muhammad Sajid · Open Journal of Applied Sciences (2025) | TGRS Research Map | TGRS