Cross-Border Claims: Accelerating Review of Foreign Loss Run Reports — Reinsurance, International, Commercial Auto

Cross-Border Claims: Accelerating Review of Foreign Loss Run Reports — Built for the Reinsurance Analyst

Reinsurance Analysts working across Reinsurance, International, and Commercial Auto lines know the challenge all too well: foreign loss run reports and international claims histories arrive in multiple languages, mixed currencies, incompatible formats, and inconsistent regulatory structures. When renewals, facultative placements, or treaty pricing deadlines loom, traditional manual review simply cannot keep pace without risking accuracy, cycle-time, or compliance. That is precisely why international claims teams turn to Doc Chat by Nomad Data — a suite of purpose-built, AI-powered agents that ingest entire cross-border claim files and loss runs, summarize thousands of pages in minutes, normalize fields and currencies, and surface every relevant detail with citation back to the source page.

If your team is searching for ways to AI summarize foreign loss run reports, automate loss run extraction international insurance, or review cross-border claims history files quickly, Nomad Data’s Doc Chat for Insurance eliminates bottlenecks. Instead of rekeying data, toggling between translation tools, and struggling to reconcile paid vs. outstanding reserves across multi-entity programs, Reinsurance Analysts can ask plain-language questions — for example, ‘List all Commercial Auto bodily injury claims incurred above 100,000 in GBP equivalent between 2019–2023 and show development by accident year’ — and receive verified answers in seconds, with page-level citations and a downloadable extract aligned to your schema.

The Reinsurance Analyst’s Cross-Border Loss Run Problem

In global Commercial Auto and multinational programs, loss run reports and international claims histories rarely arrive in a single standard. A French attestation de sinistralité, a UK claims experience letter, a Brazilian planilha de sinistros, and a US commercial fleet loss run all encode the same concepts — frequency, severity, reserves, paid, total incurred — but name and structure them differently. Some are regulated forms; others are unregulated spreadsheets or scanned PDFs from local carriers and TPAs. Cross-border certificate of insurance documents add another layer, especially when verifying admitted policies, additional insured endorsements, hired and non-owned auto coverage, territorial limits, and country-specific motor liability requirements.

For the Reinsurance Analyst, the stakes are high. Treaty and facultative submissions hinge on the precision of loss triangles, the completeness of claim development, and the reliability of incurred-to-date totals. The analyst must also reconcile different time bases (accident year, policy year, underwriting year), and for Commercial Auto, match VINs, plates, or unit IDs where they exist. Add multi-currency exposure bases (e.g., vehicle count, mileage, gross receipts) and fluctuating FX rates. Finally, layer in compliance expectations — Lloyd’s market reporting, Solvency II, IFRS 17 disclosures, NAIC and state-level rules for US exposures, and GDPR for EU-sourced personal data — and the complexity grows exponentially.

Where complexity hides in International, Reinsurance, and Commercial Auto

Language and format variability: Regulated and non-regulated loss runs in Spanish, French, German, Portuguese, Japanese, and more — often as scanned PDFs, spreadsheets, or unstructured emails.
Non-uniform field names: ‘Sinistres’, ‘Siniestros’, ‘Schaden’ or ‘Claims’ fields with divergent headers for paid, case reserve, ALAE/defense costs, total incurred, and claim status.
Numerical and date conventions: Decimal vs. comma separators, dd/mm/yyyy vs. mm/dd/yyyy, and different fiscal-year cut-offs across jurisdictions.
Currency normalization: Native reporting currencies (EUR, GBP, BRL, MXN, JPY, USD) requiring historical FX mapping to a base currency for analytics and pricing.
Coverage and peril mapping: Bodily injury vs. property damage, medical payments, uninsured motorist, cargo, collision, third-party liability (MTPL), with local coding systems that don’t neatly map to US or Lloyd’s categories.
Different development practices: Varying philosophies on reserving and IBNR, with inconsistent snapshot dates that distort triangles and trend analyses.
Privacy and admissibility: GDPR redaction requirements, differing PII standards, and audit defensibility for ceded reinsurance files and bordereaux.

These nuances force global teams to slow down, even as renewal and placement timelines accelerate. In the end, manual synthesis becomes the bottleneck between data and decision.

How the Process Is Handled Manually Today

Most international claims operations and reinsurance functions still stitch the process together by hand. A Reinsurance Analyst receives foreign loss run reports and international claims histories via broker email, data rooms, or secure portals. They download a mix of spreadsheets, image-based PDFs, scans of cross-border certificate of insurance documents, country-specific attestations, and sometimes entire claim files with correspondence, FNOL forms, legal demand letters, and adjuster notes.

To produce a clean view for treaty pricing, facultative placement, or renewal underwriting, analysts typically:

Use OCR tools to extract text from scanned or image-based loss runs, often correcting errors field by field.
Rely on consumer-grade translation for headers and notes, hoping nuance does not get lost in medical descriptions or legal disposition notes.
Map local fields to a standard schema (paid, reserve, ALAE/ULAE, total incurred, open/closed, cause of loss) using painstaking VLOOKUPs and manual rules in spreadsheets.
Normalize currencies using period-appropriate FX, often approximated at annual averages rather than claim-transaction dates, then reconcile to a base currency like USD or EUR.
Rebuild triangles and development views by accident year or underwriting year, while dealing with inconsistent snapshot dates or partial years.
Verify cross-border certificate of insurance details against local requirements (for example, minimum MTPL limits, territorial endorsements, additional insured naming), comparing to policy schedules and endorsements.
Reconcile bordereaux feeds and local TPA reports to carrier loss runs, flagging mismatches claim by claim.

Even with a seasoned analyst, this manual workflow takes days — sometimes weeks — for a multinational fleet program. And when underwriters or actuaries ask a follow-up (e.g., ‘Which non-US BI claims above threshold are still open and more than 730 days from DOI?’), the analyst must start another round of filtering, checking, and revalidating. Fatigue risks creep in: misread currency, mislabeled fields, or missed late-reporting losses. Meanwhile, renewal clocks do not stop.

AI summarize foreign loss run reports: How Nomad Data’s Doc Chat automates the workflow

Doc Chat by Nomad Data was designed to remove these exact friction points. It ingests entire claim files and loss run packets — including regulated and non-regulated foreign loss run reports, international claims histories, and cross-border certificate of insurance documents — and delivers instant, page-cited answers plus standardized data extracts. The system is trained on your playbooks, templates, and schema so results drop directly into your reinsurance and pricing workflows.

End-to-end automation tailored to Reinsurance, International, and Commercial Auto

Doc Chat performs a chain of expert tasks automatically:

Language detection, OCR, and translation: Reads scanned PDFs and images, recognizes the native language, and translates with insurance-grade context preservation for terms like retrocession, deductible/retention, ALAE, and MTPL.
Schema mapping: Maps diverse headers and narrative fields to your standard loss run schema, normalizing paid, reserve, total incurred, defense/adjusting, and claim status fields.
Currency normalization: Converts native currencies to your base currency with date-aware FX logic, preserving the original currency for auditability.
Entity and exposure alignment: Aligns claims to policies, vehicles, drivers, or units when available (VIN, plate, unit ID), and ties claims to exposure bases (vehicle count, miles, revenue) as stated in the submission.
Time-base harmonization: Reconstructs consistent views by accident year, underwriting year, or policy year — and flags partial-year caveats and snapshot dates.
Q&A over massive files: Lets analysts ask questions like ‘Show all Commercial Auto bodily injury claims with incurred >= 250,000 USD equivalent in the last five AYs, by country of loss, with age and current status,’ returning answers instantly with page-level citations.
Compliance-aware redaction: Identifies and masks PII to satisfy GDPR and local privacy standards while maintaining traceability for audit.
Bordereaux reconciliation: Cross-checks carrier loss runs vs. TPA bordereaux and highlights discrepancies for frequency, severity, and claim identities.

Because Doc Chat can process about 250,000 pages per minute, international teams move from triage to analysis in minutes, not weeks. And every answer links back to the exact source page so compliance, audit, and reinsurer counterparties can verify with a click.

Automate loss run extraction international insurance — outputs your team can use immediately

Out of the box, Doc Chat produces standardized exports aligned to your naming conventions, including:

Claim-level extracts: Claim number, policy number, insured name, line of business, coverage type, date of loss, country of loss, cause/peril, paid, case reserve, ALAE, total incurred, status, reopen flags, litigation indicator, subrogation/recovery notes, and narrative summaries.
Aggregate analytics: Frequency, severity, LR by AY/UW year, percentile breakdowns, open claim aging buckets, large-loss lists, and top driver vehicles (by count or severity).
Compliance flags: Missing or inconsistent fields, unverified currency conversion inputs, privacy-sensitive elements needing redaction, and divergence between loss runs and bordereaux.
COI verification notes: Matches cross-border certificate of insurance details to policy schedules and endorsements, highlighting gaps in territorial coverage, limit adequacy, and additional insured wording.

Because the system is trained on your internal standards, it enforces consistency and completeness across every international submission, regardless of origin or language.

What Doc Chat extracts from foreign loss run reports and international claims histories

Reinsurance Analysts can rely on Doc Chat to pull deep, decision-ready details from foreign loss run reports, international claims histories, and supporting exhibits. Common fields and structures include:

Financials and status: Paid indemnity, paid expense/ALAE, case reserve, total incurred, reserve changes, open/closed/reopened status, and last update date.
Timing and development: Accident date, report date, lag in days, snapshot date, and derived accident-year or underwriting-year mappings.
Coverage and peril coding: Third-party liability/MTPL, bodily injury, property damage, cargo, collision, comprehensive, uninsured/underinsured motorist, and local-code variants mapped to your global taxonomy.
Jurisdiction and venue: Country and state/province, court/venue where available, and legal disposition notes for litigated files.
Vehicle and driver linkages: VIN/unit, plate, driver role/type where present, plus fleet unit references common in Commercial Auto programs.
Currency and FX context: Native currency, base currency, spot or period FX reference, and verification that values reconcile post-conversion.
Exposure bases: Vehicle counts, mileage, gross receipts, or other denominator fields present in the submission or broker pack.
COI-specific verifications: Insured name alignment, named insured vs. additional insured, territorial endorsements, admitted policy identification, and certificate dates vs. policy periods.

This depth of extraction gives actuarial, underwriting, and reinsurance placement teams a single source of truth that they can slice by geography, peril, attachment, or time — with full audit trails.

Use cases across Reinsurance, International, and Commercial Auto

1) Treaty pricing and renewals

For quota share or excess-of-loss treaties covering Commercial Auto across multiple countries, Doc Chat normalizes foreign loss runs and claims histories into an apples-to-apples view. Analysts can generate AY-based loss triangles within minutes, highlight adverse development, identify outlier countries or perils, and quantify severity drivers. When actuaries or reinsurers request supplemental views, the team can produce them instantly: ‘Show BI-only claims over 500,000 EUR equivalent by accident year and closing status, with current case reserves and paid to date.’

2) Facultative placements

Fac deals often involve tight timelines and partial data. Doc Chat rapidly synthesizes mixed-format submissions, flags gaps, and provides defensible summaries with citations to support underwriting and pricing conversations. If the placement demands a specific structure — such as deductible behavior by jurisdiction or driver class — the system can reassemble the data accordingly, even when the original loss run lacked that exact format.

3) Compliance and audit defensibility

Whether reporting under Solvency II, IFRS 17, or local regulations, Doc Chat preserves document provenance. Every extracted value links back to the source page. PII redaction modules support GDPR and other privacy regimes. For delegated authority or coverholder programs, Doc Chat can reconcile bordereaux to loss runs and raise exceptions early, reducing downstream audit friction with carriers and reinsurers.

4) Cross-border COI due diligence

Global fleet risks often hinge on territory and admissibility of coverage. Doc Chat examines cross-border certificate of insurance documents alongside policy schedules and endorsements to confirm that minimum motor liability limits are met, that additional insured entities are correctly named, and that territorial extensions align with operations. It highlights gaps for the Reinsurance Analyst to resolve before placement discussions or compliance attestations.

5) Fraud and anomaly spotting

By reviewing every page consistently — including medical records, demand letters, police reports, repair invoices, and adjuster notes embedded in international claim files — Doc Chat can flag repeated language across unrelated claims, inconsistent injury narratives, or unusual reserve movements. These red flags feed investigative workflows while maintaining country-by-country privacy expectations.

How Reinsurance Analysts interact with Doc Chat in real time

Doc Chat is not a black box. It is an interactive analyst that understands your rules. Reinsurance Analysts can type natural-language questions and receive precise answers with citations, then export structured data for modeling. Example prompts include:

‘AI summarize foreign loss run reports for the 2019–2023 accident years and build a BI-only triangle in USD; show frequency, severity, and top 10 large-loss drivers by country.’
‘Automate loss run extraction international insurance — map local peril codes to our global taxonomy and produce an AY view with paid, reserve, and total incurred in GBP equivalent, with FX dates.’
‘Review cross-border claims history files quickly and list all open Commercial Auto claims older than 24 months with reserve >= 250,000 USD equivalent; include status notes and next diary dates where present.’

Because the system was trained on your schema, the export lands exactly where you need it — in spreadsheets for quick analysis or piped into downstream pricing tools.

Business impact: speed, cost, accuracy, and capacity

The shift from manual assembly to AI-assisted review changes the math for international teams.

Time savings

What once took a Reinsurance Analyst several days — or required multiple analysts working in parallel — now takes minutes. Doc Chat ingests entire loss run packets, bordereaux, and supporting claim files at once, then answers any follow-up question on command. Teams routinely shave 70–95% off review and preparation time for treaty and facultative submissions.

Cost reduction

By removing the need for manual translation, ad hoc OCR, and repeated spreadsheet work, organizations see immediate reductions in overtime, external translation spend, and consultant hours tied to data preparation. Many clients achieve first-year ROI of 30–200%, with larger programs seeing even greater returns as the solution scales across lines and regions.

Accuracy and consistency

Humans tire; software does not. Doc Chat applies the same rigor on page 1,500 as it does on page 1. It enforces your schema and taxonomy, ensuring consistent mapping of peril, coverage, and financial fields. Page-level citations provide defensibility to carriers, reinsurers, auditors, and regulators. The result is fewer rework cycles, less leakage, and more credible negotiations.

Capacity and morale

By automating the rote portions of loss run and claims history processing, talented Reinsurance Analysts spend more time on judgment, pricing strategy, and counterparty negotiation. Teams scale to surge volumes without adding headcount and redeploy effort to higher-value initiatives such as portfolio optimization or early-warning analysis for adverse development.

Why Nomad Data’s Doc Chat is the best fit for international loss runs

Built for volume and complexity: Doc Chat ingests entire claim files and mixed-format loss runs in the tens of thousands of pages — including regulated and non-regulated foreign loss run reports — and handles language, layout, and currency complexities automatically. Exclusions, endorsements, retentions, and territorial extensions tucked in dense policy schedules do not get missed.

The Nomad Process: We train Doc Chat on your playbooks, documents, and standards, so the outputs match your exact schema and decision thresholds. You’re not buying a one-size-fits-all tool — you’re deploying a customized analyst that works like your team.

Real-time Q&A with citations: Ask anything across massive document sets and receive instant answers linked back to the exact page. This anchors collaboration with underwriters, actuaries, brokers, and reinsurers in shared facts.

White-glove onboarding, 1–2 week implementation: Start with drag-and-drop. As you scale, our team integrates into your systems via modern APIs. Typical implementation timelines are measured in 1–2 weeks, not months, supported by hands-on configuration and change management.

Security and governance: Nomad Data maintains robust security practices and delivers document-level traceability for everything the AI surfaces, supporting internal audit, reinsurers, and regulators. Outputs are consistent, reproducible, and defensible.

For a deeper dive into why advanced document automation is different from generic scraping — and why inference across pages matters for loss run normalization — see Nomad Data’s perspective in Beyond Extraction: Why Document Scraping Isn’t Just Web Scraping for PDFs. To understand how carriers apply Doc Chat to complex claims at scale, read Reimagining Insurance Claims Management with GAIG and Reimagining Claims Processing Through AI Transformation.

How Doc Chat standardizes regulated and non-regulated foreign loss runs

In practice, the diversity of loss run formats is the barrier. Doc Chat addresses this with policy- and claim-aware normalization that reconciles headers and narrative text into your target model, even when the document itself doesn’t expose every field explicitly. It reconstructs missing elements from context — for example, inferring per-claim ALAE from itemized defense invoices embedded in claim file appendices — and clearly marks inferred vs. explicit values in the output so you maintain transparency.

Key techniques include:

Cross-field validation: Ensures paid + reserve aligns to total incurred, flags non-reconciling rows, and identifies duplicate claim references across carrier and TPA sources.
Time-axis harmonization: Converts policy-year presentations to accident-year where needed, annotating approximations and highlighting partial periods.
Peril and coverage mapping: Translates local claim codes into your global taxonomy, with override controls for unique country-specific coverages.
Narrative intelligence: Extracts critical facts from adjuster notes, legal dispositions, and medical summaries to enrich the structured record — without losing audit traceability.
COI-policy linkage: Matches certificate entries to policy schedules and endorsements to verify limits, additional insureds, and territory, flagging discrepancies pre-renewal.

Embedding Doc Chat in reinsurance and pricing workflows

Doc Chat meets teams where they work. You can start by dragging and dropping foreign loss run reports, international claims histories, and cross-border certificate of insurance documents into the platform to get immediate value. Then, as usage expands, Nomad’s white-glove team connects Doc Chat to your intake mailboxes, broker portals, and data rooms, and pipes normalized outputs straight into downstream pricing or reinsurance systems via API.

Common integrations include:

Renewal data rooms: Automated harvesting of new loss runs and exhibits as they arrive.
Reinsurance placement pipelines: Structured feeds to pricing templates, rating engines, and actuarial tools.
Compliance archives: Storage of page-cited outputs for audit readiness and regulator inquiries.
Portfolio monitoring: Scheduled re-runs to detect late-reported losses or reserve movements before negotiations.

Change management: keeping humans in the loop

Nomad Data champions a ‘human-guided, AI-accelerated’ model. Doc Chat handles the heavy lifting — reading, translating, extracting, and reconciling — while Reinsurance Analysts apply judgment. The system presents recommendations and summaries; people decide. This approach improves adoption, reduces risk, and ensures that final outputs reflect your organization’s expertise and risk appetite.

Proof in minutes, not months

During evaluation, many teams validate Doc Chat on real, previously handled renewals. They upload past foreign loss run reports and ask questions with known answers. Time after time, Doc Chat returns the same conclusions in seconds while surfacing additional insights that humans often overlook late in a long review. Those aha moments accelerate trust and adoption — and because implementation typically completes in 1–2 weeks, business value arrives fast.

Examples of questions Reinsurance Analysts ask Doc Chat

These prompts are typical in Reinsurance, International, and Commercial Auto contexts:

‘Build AY loss triangles for Commercial Auto BI/PD across FR, DE, MX, and BR; normalize to USD with month-end FX; highlight development > 25% in the latest 12 months.’
‘List open claims over 250,000 EUR equivalent with reserve movements in the last 90 days; include country, claim age in days, and latest adjuster note summary.’
‘Validate cross-border certificates of insurance for named additional insureds and territorial endorsements matching fleet operation routes; show gaps versus policy schedules.’
‘Compare carrier loss runs to TPA bordereaux; list claim IDs with total incurred variances greater than 10% and attach page citations.’
‘Summarize litigated Commercial Auto BI claims by venue and outcome type; include paid indemnity and ALAE in base currency, with FX dates.’

From backlog to advantage: turning documents into decisions

International programs will only grow more complex — more geographies, more partners, more document variation. The question is not whether you can hire enough people to keep up; it is whether your team can institutionalize expertise so every cross-border submission gets a complete, consistent, defensible review in a fraction of the time. With Doc Chat, Reinsurance Analysts move from being document chasers to decision accelerators.

Getting started

If your team is seeking a way to AI summarize foreign loss run reports, automate loss run extraction international insurance, or review cross-border claims history files quickly, start with a simple proof of value. Drag a recent multinational submission — including foreign loss run reports, international claims histories, and cross-border certificate of insurance documents — into Doc Chat and ask your toughest questions. Within minutes, you will see page-cited answers and a clean extract aligned to your schema. Learn more and request a tailored walkthrough at Doc Chat for Insurance.