--- title: "Claims Platform for Agencies and Insurers" url: "https://getcurium.com/products/claims-platform-agencies/" publisher: "Curium" description: "Enterprise-level claims management without the complexity: lodgement, triage, reserving, payments, settlement and recovery, with AI and automation that help reduce leakage." --- # Claims Platform for Agencies and Insurers Enterprise-level claims management without the complexity: lodgement, triage, reserving, payments, settlement and recovery, with AI and automation that help reduce leakage. ## Enterprise claims, without the complexity. A no-code claims platform for insurers and underwriting agencies. Lodgement, triage, reserving, payments, settlement and recovery on one platform, with leakage watched in real time and GICOP timeframes tracked as you go. ## Lodgement to recovery. Five stages, one platform. Every step of the claim lifecycle in one place, from lodgement to decision to recovery. Where a stage stops leakage, it’s marked. Claims lodgement ### Lodge right the first time Smart forms capture everything up front: data, documents, photos and recovery triggers. - Claims reach triage faster when each one arrives with the information you need. - Straightforward claims settle automatically, so your team can focus on the complex ones. - Leakage stopped early, with real-time reporting and faster decisions. Triage and assessment ### Make faster decisions Urgent claims routed straight away, and decisions that are consistent and defensible, before small issues turn into big losses. - AI assigns priority, SLA and team routing the moment a claim arrives. - Coverage applied the same way every time, with guided checklists and exclusions. - Supplier reports feed straight into the claim, with location and timestamps. Reserving and payments ### Keep payments under control Fewer surprises: reserves kept accurate, and payments kept compliant. - Payments above authority limits flagged, and reserve reviews prompted at the right stages. - Payments tracked by category, to spot leakage and keep reserves accurate. - GST calculated and reported automatically on payments and recoveries. Resolution and settlement ### Close claims with confidence Every claim resolved on time, fairly and in line with your obligations. - Workflows prompt the next action, flag delays and keep everyone aligned. - Supplier performance tracked at claim level, to meet CPS 230 requirements. - Customers kept up to date with automated deadlines and milestone prompts, so fewer of them call in. Recovery ### Improve recovery rates Act earlier, recover more, and protect your loss ratio. - Built-in rules flag recovery opportunities and prompt you to capture evidence early. - Early evidence means faster action, better recovery rates and less leakage. - Limitation dates tracked automatically, so none slips through. ## Leakage, reserves and bottlenecks, in view as they happen. A clear view for managers, even when volumes spike. Dashboards show open claims, upcoming and overdue tasks, SLA risks, bottlenecks, recovery opportunities and loss ratios. ### When a storm hits In a surge, such as storms or CAT losses, work is spread across the team in real time and in bulk, so nothing is missed. ### When someone’s away Claims are reassigned straight away, with their full history and documents intact. > “Curium changed how we handle claim intake and complaints. We used to go back and forth chasing missing info – now we have everything from the start.” > > — **Trent Miller**, National Claims Manager, Enthusiast Motor Insurance [Read how Enthusiast did it](https://getcurium.com/case-studies/enthusiast-motor-insurance/) **30%**: Faster claims intake: smart digital forms capture data, documents and photos up front, so claims are complete from day one. **10+ hours**: Saved on ASIC and CGC reporting: one-click reports pull the data you need, with no chasing across systems. **1 form**: A digital form in place of a 6-page claims form. Simpler for customers to lodge, faster for your team to process. ## Start with the form. Or take the whole platform. The lodgement tool is also sold on its own, for teams that want to keep their current claims system. Enthusiast Motor Insurance started this way, alongside the system it already had. The lodgement tool On its own ### Better claims in, from day one. - Runs on its own, or integrates with your claims or policy system, such as Wilbur or Duck Creek. - Customers lodge from any device, on fully branded forms. - Structured, accurate data from day one. - Accurate lodgement means less leakage, fewer delays and less admin. [Ask about the lodgement tool](https://getcurium.com/book-demo/) The Claims Platform End to end ### The whole claim, lodgement to recovery. - Manages the entire claims lifecycle, end to end. - Replaces your existing claims system, or sits alongside it. - Integrates with policy admin, finance and supplier systems. - Links claims activity to your wider obligations in the Curium Compliance Platform. [Book a demo](https://getcurium.com/book-demo/) ## Change a workflow the day you need to. Enterprise capability without the complexity. Your team updates workflows and rules as the business changes, without waiting on IT. ### Easy platform changes Update workflows and rules yourself, straight away, as your business changes. ### One shared workspace Claims teams, suppliers and underwriters, with full visibility and on the same page. ### See the full picture Leakage, reserves and bottlenecks for managers, in real time, even when volumes spike. Motor, Property, Liability, Business, Pet, Travel ### Getting started ### First: We learn your process We review your products, policies and claims bottlenecks. ### Then: We set it up Curium, configured to match how your business works. ### After that: Your team starts Quick training to get going, and ongoing support whenever you need it. Most agency staff and insurer claims teams are confident on the platform within a day. ## What claims leaders ask us first. Straight answers. If yours isn’t here, bring it to the demo. ### What kinds of claims can Curium claims software for insurers and agencies handle? Curium is flexible claims software used by insurers, agencies, and authorised reps. It can be used to manage claims for the full spectrum of insurance products – motor, property, liability, business, pet, travel, and more. Whether it’s high-volume simple claims or complex, multi-party cases, Curium provides one platform for the entire process. ### How can Curium claims platform help me and my team? Instead of juggling PDFs, emails, and spreadsheets, all claims information sits in one shared workspace. For agencies, this means less double-handling and easier reporting to insurers. For insurers, it means fewer delays, better oversight, and faster settlement. ### Will Curium replace my existing claims or policy system? It can – but it doesn’t have to. Our claims lodgement tool can run as a standalone tool or integrate with your current claims or policy system, giving you structured, accurate data from day one. Curium’s Claims Platform is a complete, standalone solution that manages the entire claims lifecycle end-to-end. It can replace your existing claims system or sit alongside it, integrating with policy admin, finance, and supplier systems. This gives insurers and agencies flexibility to adopt Curium in the way that best fits their operations. ### Can I see what’s happening across all claims in real time? Yes. Curium provides dashboards showing open claims, upcoming and overdue tasks, SLA risks, bottlenecks, recovery opportunities, and loss ratios. This gives insurers full oversight of operational performance and agencies a clear view to manage claims obligations. ### How does Curium support compliance and regulatory reporting? The Curium Claims Platform tracks GICOP timeframes, suggests required claim updates, and sends reminders to claims handlers when updates are due. It also integrates with the Curium Compliance Platform, linking claims activity to your broader business obligations for consistent tracking and oversight. ### What happens if staff are away or we hit a surge event? Claims can be reassigned instantly, with full history and documents intact. During surge events (e.g. storms or CAT losses), work can be distributed across the team in real time and in bulk so nothing is missed. ### How much training does my team need to use the Curium platform? Minimal. Curium is designed for claims professionals, not IT specialists. Most agency staff and insurer claims teams are confident on the platform within a day, thanks to intuitive workflows and plain-English prompts. [Book a demo](https://getcurium.com/book-demo/) to learn how easy it is to use Curium’s platform. ### How secure is Curium claims software? Curium uses enterprise-grade encryption, complies with Australian Privacy Principles, and supports APRA CPS 234 requirements. Sensitive claims data is protected with secure storage, role-based access, and audit trails for both insurers and agencies. Curium is also certified to the global ISO/IEC 27001:2022 standard for its information security management system. ### How does pricing work? Curium offers transparent, all-inclusive pricing and ongoing support. Curium pricing is modular and scalable. - Pricing is based on the products you use and the size/nature of your business, which will impact technical and operational support required – but it is not priced on a 'per seat' basis so you are not penalised as you grow - Modularity means you can start small and add functionality as you grow - There are no hidden costs for third-party feeds or configuration consultants Pricing is tailored to your organisation, so you only pay for what you actually need. To find out more, [book a demo](https://getcurium.com/book-demo/). ## Claims, compliance and the inbox. - [Compliance Platform](https://getcurium.com/products/compliance-platform/): Claims activity linked to your wider obligations, with complaints, incidents and breaches on one record. - [AI Auto-Detect](https://getcurium.com/products/ai-auto-detect/): Reads frontline email and flags possible complaints and breaches as they arrive. - [Claims Platform for Brokers](https://getcurium.com/products/claims-platform-brokers/): For brokers: every claim across every insurer in one place, with digital forms instead of 50+ insurer PDFs. ## Bring a claim from your own book. One that settled late, leaked, or arrived missing half its documents. We’ll assess how you handle it today, then build your demo around it. Free process assessment · personalised demo [Book a demo](https://getcurium.com/book-demo/)