Duck Creek has announced Duck Creek Agentic First Notice of Loss (FNOL), an AI-powered solution that transforms claims intake into an intelligent, real-time experience, now available for early access customers.
Built on the Duck Creek Agentic AI Platform, Agentic FNOL uses orchestrated and extensible AI agents to capture, validate, enrich, and route claims across digital, voice-to-text, and mobile channels. The solution helps insurers improve data quality at first contact, reduce claims cycle times, lower loss adjustment expense, and deliver a more responsive experience for policyholders.
Jose Lazares, chief product officer at Duck Creek, said the first notice of loss set the trajectory for the entire claims experience.
"First notice of loss sets the trajectory for the entire claims experience," said Lazares. "With Agentic FNOL, insurers can replace fragmented, manual intake processes with an intelligent experience that captures the right information, verifies coverage, identifies potential issues early, and moves each claim to the right next step. This gives claims teams greater capacity to focus on the decisions and customer interactions where their expertise has the greatest impact."
Celent's most recent annual survey on generative AI usage in insurance found that 22% of participating insurers plan to have an agentic AI solution in place by the end of 2026, with claims and underwriting expected to be among the areas that lead adoption.
Through the digital customer experience, Agentic FNOL enables claimants to report a loss in their own words rather than navigate a rigid form. The solution listens to natural-language inputs, determines the right follow-up questions, and delivers a structured, enriched, adjuster-ready claim file in seconds.
From the first description of a loss, Agentic FNOL verifies coverage, assesses injury and legal severity, and identifies anomaly signals across claim characteristics without manual data entry. It cross-references reported circumstances, submitted images, policy data, and the broader claim record to surface inconsistencies that may warrant closer review. Each AI-driven determination is clearly logged, with exceptions flagged for human review, so adjusters can begin informed conversations with claimants and focus on support and resolution rather than administrative intake.
Ella Jurotte, senior director of product management at Duck Creek, said enrichment now begins the moment a loss is reported.
"For years, adjusters have begun work on claims that are incomplete, unverified, and missing critical context, creating manual follow-up that adds cost and delays a claimant's path to resolution," said Jurotte. "With Agentic FNOL, enrichment begins the moment a loss is reported. By the time an adjuster opens the file, coverage has been verified, anomaly signals have been assessed, and the claim has been routed to the right next step. It gives adjusters more time to focus on informed decisions and meaningful claimant interactions, while delivering a faster, more consistent experience from the first notice of loss."
Agentic FNOL brings insurance-specific intelligence and governance directly into the claims intake process. By combining Duck Creek's core system data, insurance domain models, and AI orchestration, the solution enables agents to work within carrier-defined workflows, rules, and controls, with every AI-driven action designed to be traceable, explainable, and auditable.
Developed in collaboration with Google Cloud and powered by Gemini models, Agentic FNOL supports critical intake capabilities. These include policy and coverage verification, conversational claims intake across digital, voice-to-text, and mobile channels, data capture and validation that improves submission quality at first contact, intelligent triage and routing based on carrier-defined workflows, early fraud and anomaly detection, and real-time integration with claims data and workflows.
Agentic FNOL is designed to work seamlessly with Duck Creek Claims and can support third-party core system environments, allowing insurers to introduce agentic capabilities while preserving their existing technology investments. The solution combines autonomous automation with human-in-the-loop controls, helping carriers scale claims operations without sacrificing oversight, compliance, or the human judgment required for complex claims.
Agentic FNOL is part of Duck Creek's growing portfolio of agentic applications, which also includes Agentic Underwriting and Agentic Product Configurator.
