InsuranceSupport
First notice of loss. Triaged in seconds, not queued.
Captures the first notice of loss from any channel, extracts the key claim details, and triages by urgency and complexity — before a claim ever reaches an adjuster's queue. Built for carriers fielding hundreds of FNOLs a week.
12 cited fields per FNOL. Built on Sphere AI Foundry.
fnol_intake — loss report #FN-70118LIVE
00:00Ingest → loss report, insured J. Kim, policy HO-3read
00:02Peril check → water damage, covered perilpassed
00:04Severity check → estimated loss $28,000, above fast-track thresholdflagged
00:06Prior claims → 1 prior claim in 12 monthsflagged
00:07Disposition → Route to senior adjuster, high priorityrouted
intake time 8sfields cited 12/12adjuster assignment required
Organizations around the world trust us
Built on Sphere AI Foundry·Triaged, not just logged·21 years, 300+ clients
Manual FNOL intake doesn't scale with claim volume
A single first notice of loss means an intake specialist reading the loss report, checking the covered peril, estimating severity, and deciding which adjuster tier should own it — one report at a time, from whatever channel it arrived on. At low volume that's manageable. Across hundreds of FNOLs a week, it's the reason a high-severity claim sits in a general queue for hours before anyone notices.
90%
faster intake and triage vs. manual logging
12
fields extracted & cited per FNOL
100%
of priority flags traceable to a severity or peril signal
Loss report in, cited triage out
Four steps, every one logged and citable back to the report and the triage rule.
01
Ingest
Reads the loss report directly from your systems
Phone transcript, web form, email, or agent-submitted loss report — read from your claims intake channel. No separate upload step.
Source document
FN-70118 — insured J. Kim, HO-3 policy
02
Match against triage rules
Every report checked against peril and severity rules
Reported peril, estimated loss amount, and policy coverage — each checked against your triage rules, not a generic severity guess.
Example query
"Does this loss amount cross the fast-track adjuster threshold?"
03
Cite every priority flag
No priority flag without a citation
Each priority flag links back to the exact triage rule and threshold — the citation travels with the finding, not as a separate lookup.
Cited finding
Estimated loss of $28,000 exceeds the $25,000 fast-track threshold — routes to senior adjuster.
cited to triage rule TR-4, fast-track threshold $25,00004
Classify & route
One disposition, one adjuster assignment
The agent returns Standard, Priority, or Escalate (special investigation), with the claim details and triage reasoning routed to the right adjuster tier.
Disposition
Standard queuePriority queue ✓Escalate — SIU
12 fields, every one cited
What the agent extracts from every FNOL it triages.
Triage summary & disposition
Insured & policy verification
Reported peril & loss description
Estimated severity & loss amount
Coverage pre-check against policy
Prior claim history flag
Fraud-indicator flag (where applicable)
Recommended adjuster tier
Consolidated intake summary
Adjuster assignment checklist
Typical inputs
What the agent reads, and what it connects to.
Documents
- Loss report (phone transcript, web form, or email)
- Policy declarations page
- Prior claim history on the policy
- Triage and fast-track threshold rules
Systems
- Claims management system
- Policy administration system
- Call center or intake platform
Is this the right fit?
Built for volume — not a one-off loss report.
✓ Works best for
- Carriers fielding 100+ FNOLs a week across channels
- Teams standardizing triage against a fixed severity/peril ruleset
- Claims ops wanting every priority flag traceable to a signal
Too small for
- A single walk-in loss report an intake specialist can triage faster than configuring the rules
- Replacing adjuster judgment on the coverage or settlement decision
- Loss types with no defined triage rule to check against
Grounded in the triage rule, not a black box
Compliance-first, the same standard every Sphere agent is held to.
The agent requires the loss report and current triage rules before it will return a disposition, and every intake sits between first contact and adjuster assignment — never past it. A claims supervisor confirms every Escalate flag before SIU is engaged.
Priority flags reference the specific triage rule and threshold directly — the same audit-trail standard every Sphere agent on the Foundry is held to.
Prerequisites loss report + rules
The loss report and current triage rules are required before a disposition is returned.
Human review required
A claims supervisor confirms every Escalate flag before SIU is engaged — never fully autonomous.
Regulatory grounding rule-cited
Priority flags reference the specific triage rule and threshold directly in every intake.
Foundation Sphere AI Foundry
Access controls and audit trail configured here carry forward to every other agent you deploy.
Frequently asked
Does the FNOL Intake & Triage Agent decide whether a claim is covered?
No. It captures the loss report and triages by urgency — an adjuster still makes every coverage and settlement decision. It hands off with the intake already organized.
What loss types does it support?
Property, auto, and general liability first notices out of the box. Additional loss types and triage rules can be added during onboarding.
How does it integrate with our claims management system?
It reads directly from your claims management system, call center platform, or intake channel — no separate upload step required. Integration scope is confirmed during deployment planning.
Is every priority flag traceable to a real signal?
Yes. Every priority flag cites the specific triage rule and threshold it came from — there is no flag without a citation back to the rule.
How is this different from a generic intake form?
It's built specifically around extracting claim details and applying your triage rules in one pass, not just capturing a form submission. It runs on Sphere AI Foundry, so the access controls and audit trail configured here carry forward to other agents you deploy.
Hear from
our clientsHear from our clients
Lee Ebreo
VP of Engineering at Credit Ninja
These things would not have been achievable if we did not build our own in-house system and if we did not partner with Sphere to help us achieve our goals.
Selah Ben-Haim
VP of Engineering at Prominence Advisors
Our experience with Sphere and their team has been and continues to be fantastic. We keep throwing new projects at them, and they keep knocking them out of the park (including the rescue of a project that was previously bungled by another vendor).
Ben Crawford
Senior Product Manager at Enova Financial
I would expect to be delighted. It's been a really positive experience, working with Sphere, and I would expect you to have the same.
Mark Friedgan
CEO at CreditNinja
Sphere consistently prioritizes the needs of their clients, demonstrating both agility and teamwork. As an offshore team, they have been an integral part of our organization and we plan to continue growing with them.
René Pfitzner
Co-Founder at Experify
Sphere provided excellent full-stack development manpower to augment our team and help push our product forward. They are easy to work with, tech-savvy and proactive.
Bruce Burdick
Chief Information Officer at Integra Credit
We've been working with Sphere and its excellent consultants since our founding. I've found that they are true partners in the success of our business.
Jemal Swoboda
CEO at Dabble
The resources and developers that Sphere Software provides are skilled and have the required technical expertise, but more importantly, they have helped us build a culture of excellence within our team.
Arthur Tretyak
Founder and CEO at IntegraCredit
With Sphere, we were able to migrate in half the time it would take to train an additional FTE… and for a fraction of the cost. Our experience with Sphere has been exceptional.
Lee Ebreo
VP of Engineering at Credit Ninja
These things would not have been achievable if we did not build our own in-house system and if we did not partner with Sphere to help us achieve our goals.
Selah Ben-Haim
VP of Engineering at Prominence Advisors
Our experience with Sphere and their team has been and continues to be fantastic. We keep throwing new projects at them, and they keep knocking them out of the park (including the rescue of a project that was previously bungled by another vendor).
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Start here
See it on your own loss reports
Bring three real first notices of loss to the demo. We'll show the intake and triage live — disposition, citations, and the adjuster assignment, on your own reports.
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Talk to a solutions architect
Direct to a senior architect — never a sales queue. Replies within one business day.
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