Verify Claims Attachments Instantly: AI Matching of Claims Files with Reinsurance Treaty Layers (Reinsurance | General Liability & Construction) — For Layering Analysts

Layering Analysts in Reinsurance and General Liability & Construction face a persistent bottleneck: proving that a large loss truly attaches to a specific treaty layer, given the reality of multi-year towers, complex endorsements, and shifting definitions of “occurrence,” “ultimate net loss,” and expense erosion. The claim file might be thousands of pages; the layer schedule and reinsurance wording may be just as dense. Every hour lost in manual cross-mapping slows recoveries, fuels disputes, and stalls cashflow.

Nomad Data’s Doc Chat eliminates that drag. It ingests the entire Claims File, Layer Schedules, Excess of Loss Treaties, and Attachment Point Documentation; extracts the needed facts; and instantly cross-maps underlying payments, aggregates, and triggers against treaty attachments and limits. Instead of spending days reconciling indemnity and ALAE across layers, a Layering Analyst can ask one question—“Does this claim pierce the $25M xs $5M treaty layer?”—and get a sourced, defensible answer in minutes. Learn more about the product here: Doc Chat for Insurance.

Why this matters now

General Liability & Construction losses regularly arrive with sprawling Claims Files: FNOL forms, adjuster notes, medical bills, defense invoices, expert reports, settlement agreements, and loss run reports. Reinsurance treaties add another dimension: per occurrence retentions, annual and per-project aggregates, completed operations carve-outs, horizontal exhaustion rules, and expense-inside/outside-limit provisions that radically change whether a claim attaches. The complexity outpaced legacy tools long ago. Doc Chat was designed specifically to handle that complexity and volume at once—not by guessing, but by reading every page and applying your organization’s playbook consistently.

The Layering Analyst’s reality in Reinsurance and GL & Construction

Layering Analysts are the connective tissue between primary/umbrella/excess policy performance and the reinsurance tower that stands behind it. In practice, the role requires reconciling granular claim facts with nuanced contract triggers, including:

Definitions and triggers: Occurrence vs. claims-made; completed operations vs. ongoing operations; project-specific aggregates (OCIP/CCIP); batch or grouping provisions for construction defect or multi-claimant incidents.
Exhaustion mechanics: Horizontal exhaustion across primaries and umbrellas; vertical exhaustion for each layer; how ALAE/ULAE erodes limits; indemnity-only erosion; defense inside/outside limits; treatment of supplementary payments.
Reinsurance wording differences: “Ultimate Net Loss,” follow-the-settlements language, swing-rated layers, loss corridors, annual aggregates, reinstatements, and corridor deductibles.
Allocation and timing: Long-tail construction defect with continuous trigger across policy years; time-on-risk allocations; multi-jurisdiction venues with differing stacking rules.
Verification and evidence: Exhaustion affidavits, payment proof from underlying insurers, bordereaux, ISO claim reports, and correspondence with coverage counsel.

Even for a single bodily injury at a job site, it can take hours to verify the date of loss fits policy and treaty terms, the right occurrence definition applies, and the sequence of underlying erosion is correct. On construction defect cases, this multiplies across years and projects. For every reinsurance recovery request, Layering Analysts must assemble a defensible audit trail that survives reinsurer and auditor scrutiny.

How the process is handled manually today

Today’s manual workflow looks like this: a claims handler or reinsurance operations partner ships over a data room or secure drive with PDFs, spreadsheets, and emails. The Layering Analyst hunts for attachment points, limit exhibits, and payment evidence scattered across the file. They then reconcile that information against the Layer Schedule and Excess of Loss Treaty, building a spreadsheet that shows:

Underlying policy(ies), retentions/SIR, and limits
Indemnity and expense breakdowns by date and payee
What erodes which layer (indemnity, ALAE, both)
Occurrence and aggregate status, per-project caps, and year-to-date erosion
Which treaty years apply and how aggregates/reinstatements are consumed
Currency conversions, settlement offsets, subrogation/salvage impacts

They then double-check definitions: does the claim qualify as a single occurrence or a batch? Do completed operations restrictions apply? Is horizontal exhaustion required in this jurisdiction? Have all underlying carriers paid (and not just reserved) their limits? Has the reinsurer received timely notice and supporting documentation per the treaty?

Common manual pain points include:

Time sinks: Sifting through thousands of pages to find five key references to attachment points and erosion proof.
Inconsistent evidence: Attachment Point Documentation may be in emails, claim notes, or defense invoices rather than a single clean exhibit.
Error risk: Fatigue leads to missed endorsements, overlooked year-to-date aggregation, or incorrect ALAE treatment.
Disputes: Reinsurers challenge recoveries due to unclear citations, missing exhaustion proof, or ambiguous occurrence treatment.

This is not just tedious; it has real financial consequences. Slow, inconsistent verification delays valid reinsurance recoveries and creates friction in relationships that should be collaborative.

AI that understands treaties, layers, and construction risk

Doc Chat changes the game for Layering Analysts by reading every document you upload—Claims Files, Layer Schedules, Excess of Loss Treaties, and Attachment Point Documentation—then cross-checking them against your rules for attachment and exhaustion. It surfaces the exact passages that determine whether a claim pierces a given layer and builds a fully cited “Attachment Verification” output you can share internally or with reinsurers.

Because General Liability & Construction losses often require subtle reasoning, Doc Chat is built to do more than extract fields. It performs the inference work your experts do: recognizing when an endorsement changes defense erosion, when a project aggregate is already consumed by earlier losses, or when a settlement structure affects ultimate net loss.

Automating the attachment check: how Nomad Data’s Doc Chat works

Doc Chat operates as a suite of purpose-built agents tuned to your workflows. For reinsurance and GL & Construction layering, those agents automate the end-to-end verification sequence:

1) Ingest and normalize everything at once

Upload the entire Claims File—FNOL forms, loss notices, adjuster notes, medical reports, defense invoices, expert opinions, settlement agreements, bordereaux, loss run reports—alongside Layer Schedules, Excess of Loss Treaties, policy forms, endorsements, and Attachment Point Documentation. Doc Chat processes thousands of pages in seconds, standardizes document types, and catalogs key entities: insured, project, jurisdiction, policy year, occurrence date(s), indemnity/ALAE/ULAE amounts, and more.

2) Extract the facts that move the layer

Doc Chat pulls the data that determines attachment:

Per-occurrence and aggregate limits, retentions/SIR, and whether ALAE erodes
Underlying policy sequence (horizontal vs vertical exhaustion)
Project-specific and completed operations aggregates (OCIP/CCIP)
Definition of “Ultimate Net Loss,” follow-the-fortunes/settlements, and notice requirements
Payments posted by each underlying carrier with dates and amounts
Currency, subrogation/salvage, offsets, and reinstatement mechanics

3) Cross-map against treaty layer triggers

The system then computes whether the attachment point is pierced and to what extent the layer is eroded. It considers jurisdiction-specific exhaustion rules, endorsement language, and your internal playbook for how to treat ambiguities. If the claim is a construction defect with multi-year triggers, Doc Chat applies your allocation logic (e.g., time-on-risk, pro rata by limits) across the implicated years and projects the effect on layer aggregates.

4) Deliver a defensible, cited Attachment Verification

Doc Chat produces a structured output—often a spreadsheet or PDF “Attachment Verification Sheet”—that shows the math, the documents, and the page citations. Each figure links back to its source page. If a reinsurer questions an amount, the citation trail provides immediate assurance and short-circuits disputes.

5) Real-time Q&A and variance analysis

Ask follow-up questions like, “List every payment counted toward horizontal exhaustion,” “Does defense erode the umbrella limit?” or “Show the per-project aggregate balance as of the last payment.” Doc Chat answers instantly and updates the verification as new documents or payments arrive. It can also run scenario analysis—e.g., what happens if the claim is treated as two occurrences under the batch clause?

Built for the hardest cases, not the simplest

Most tools stop at extracting easy-to-spot fields from predictable forms. But reinsurance attachment decisions hinge on inference across documents with no standardized structure. As we discuss in Nomad’s article Beyond Extraction: Why Document Scraping Isn’t Just Web Scraping for PDFs, true value comes from teaching systems to apply unwritten rules and nuanced judgment. Doc Chat captures your Layering Analysts’ tacit knowledge and applies it consistently—every time, across every file.

Example: A GL construction injury with a tall tower

Consider a catastrophic bodily injury at a construction site:

Primary GL: $1M per occurrence, defense outside limits
Umbrella: $4M xs $1M, defense inside limits
Excess: $25M xs $5M
Reinsurance treaty: $20M xs $5M for the excess carrier, annual aggregate with one reinstatement

The Claims File includes FNOL, incident reports, medical bills, settlement negotiations, defense invoices, and payment ledgers. The Layer Schedule lists tower limits and attachment points; the Excess of Loss Treaty defines “Ultimate Net Loss,” expense application, notice, and reinstatement pricing.

A Layering Analyst needs to know: Did the claim pierce $5M? Was horizontal exhaustion required? Did umbrella ALAE erode the $4M limit? Is there a per-project aggregate that limits available umbrella coverage? Has the reinsurer’s annual aggregate been partially consumed by another claim?

With Doc Chat, you upload the complete file set, ask “Does this claim attach to our $20M xs $5M treaty layer?” and receive a precise answer with a computation sheet that shows:

Primary $1M indemnity paid; defense did not erode
Umbrella $3.8M indemnity + $0.25M defense (inside limits) paid; limit exhausted
Total underlying erosion = $5.05M; attachment pierced as of [date]
Reinsurance annual aggregate status pre- and post-claim
All calculations hyperlinked to source pages (payment ledger p. 212; endorsement p. 43; treaty definition p. 7)

AI for validating claim attaches to reinsurance layers

Layering Analysts increasingly search for AI for validating claim attaches to reinsurance layers because the work is perfectly suited to an AI agent that is both meticulous and tireless. Doc Chat was designed for precisely this task: it handles the tedious reading, builds the math, and keeps the logic straight, while you focus on judgement and communication with reinsurers and internal stakeholders.

How Doc Chat fits into your actual day-to-day

Doc Chat isn’t another portal you’ll fight to adopt. It meets you where you already work:

Drop-in start: Drag-and-drop documents into Doc Chat and begin verifying attachments in minutes.
System integration: API connections to claims systems (e.g., Guidewire, Duck Creek), reinsurance systems (e.g., SICS, TIA), DMS (e.g., SharePoint), and finance tools let Doc Chat fetch the latest payments and push back structured outputs.
Custom outputs: Create your “Attachment Verification Sheet,” reinsurer notice package, or bordereau-ready tables in exactly the format your team and partners require.

For a real-world look at how adjusters and analysts leverage page-level citations and speed at scale, see Reimagining Insurance Claims Management: GAIG accelerates complex claims with AI. The same foundations power attachment verification for reinsurance.

From manual slog to automated precision: step-by-step

Manual today

Open the Claims File and search for payment ledgers, legal invoices, and settlement agreements.
Find policy forms and endorsements that control erosion (ALAE inside/outside; supplementary payments).
Open the Layer Schedule; key in attachment points, aggregates, and any per-project language.
Open the Excess of Loss Treaty; identify definitions, retention, and reporting requirements.
Build a spreadsheet for horizontal and vertical exhaustion, aggregates, and reinstatements.
Reconcile discrepancies; email claims, finance, or coverage counsel for clarifications.
Draft a memo; compile a reinsurer-ready packet; repeat whenever new payments arrive.

Automated with Doc Chat

Upload or connect sources (Claims Files, Layer Schedules, Excess of Loss Treaties, Attachment Point Documentation).
Ask, “automate excess claim layer verification for Claim XYZ across 2023–2024 tower.”
Receive a sourced Attachment Verification Sheet with occurrence/aggregate math, payment chronology, and treaty-year mapping.
Ask follow-ups in plain language: “match claim amount to excess treaty automatically and show ALAE treatment assumptions.”
Send the reinsurer packet, already equipped with page-level citations for every figure.
When new payments hit, refresh the analysis automatically and distribute updates.

Business impact for Reinsurance and GL & Construction programs

Implementing Doc Chat for attachment verification unlocks measurable benefits:

Time savings

Attachment checks that previously took 6–12 hours of concentrated analyst time collapse to minutes. Particularly for construction defect or multi-claimant bodily injury matters, Doc Chat’s ability to read thousands of pages without fatigue is transformative. As documented in our piece The End of Medical File Review Bottlenecks, compressing weeks into minutes isn’t hypothetical—it’s happening now across complex document sets.

Cost reduction

Fewer outside counsel hours spent assembling “proof of underlying” binders. Less overtime for internal teams during quarter-end close or treaty renewal prep. Reduced back-and-forth with reinsurers thanks to hyperlink citations that instantly answer “where did this number come from?” Also see our perspective on the ROI of structured extraction in AI’s Untapped Goldmine: Automating Data Entry.

Accuracy and defensibility

Doc Chat eliminates the fatigue factor that causes missed endorsements or misapplied ALAE rules. It standardizes the application of your playbook across every claim and every analyst, strengthening audit readiness and reducing disputes. For a broader view of accuracy at scale in claims, see Reimagining Claims Processing Through AI Transformation.

Faster cashflow and better relationships

Validated, well-cited recovery packages accelerate reinsurer approvals. Internally, leaders get crystal-clear visibility into where attachment stands on large losses, improving reserve setting and capital planning. Externally, transparency builds trust with reinsurers.

Why Nomad Data’s Doc Chat is the best solution for Layering Analysts

Insurers and reinsurers choose Doc Chat because it pairs enterprise-grade document intelligence with white-glove implementation and a rapid time-to-value:

Volume without headcount: Doc Chat ingests entire claim files—thousands of pages—so full reviews move from days to minutes.
Complexity by design: Exclusions, endorsements, and trigger language hide in dense, inconsistent policies and treaties. Doc Chat finds them and applies your rules consistently.
The Nomad Process: We train Doc Chat on your playbooks, treaties, and layer logic. You get a personalized solution tuned to your workflows and standards.
Real-time Q&A: Ask “List all payments counted toward horizontal exhaustion” or “Extract and crosscheck attachment points AI across 2023 treaty years.” Get instant answers with page links.
Thorough & complete: Doc Chat surfaces every reference to coverage, liability, payments, and limits so nothing critical slips through the cracks.
Your AI partner: This is not off-the-shelf software. We co-create with you, evolve with your needs, and deliver lasting impact.

Security, governance, and auditability

Nomad Data maintains rigorous security practices (including SOC 2 Type 2). Every answer comes with document-level traceability, so internal audit, reinsurers, and regulators can verify provenance. We also design outputs for defensibility—your “Attachment Verification Sheet” won’t just be correct; it will be verifiably correct.

White-glove implementation in 1–2 weeks

Our team guides you from the first drag-and-drop pilot to live integration with claims and reinsurance systems. Most customers go live in 1–2 weeks, with tailored presets for layer verification, reinsurer notices, and bordereau updates. We handle the AI heavy lifting; you keep running your operation.

Answering common objections from Layering Analysts and Reinsurance Ops

“Our documents are messy and inconsistent.” That’s the norm in insurance. Doc Chat was built for exactly that environment and routinely handles hybrid files, scans, and mixed-quality PDFs while keeping citations precise.

“Will the AI hallucinate?” When the task is to find and cross-check facts within known documents, hallucination risk is low. Doc Chat points to the exact page and quote for every conclusion it draws.

“We have unique attachment logic for GL & Construction.” Perfect. That logic becomes part of Doc Chat’s playbook. Your unwritten “if-then” rules are captured and operationalized so every analyst applies them the same way—every time.

Use cases Layering Analysts can deploy on day one

Automate excess claim layer verification for single-occurrence bodily injury, including ALAE treatment and horizontal exhaustion.
Batch or grouping analysis for construction defect across multiple policy years; allocate and test occurrence/aggregate impacts.
Per-project aggregate monitoring for OCIP/CCIP programs; track erosion over time and verify attachment by project.
Treaty-year mapping for long-tail losses; show which reinsurance annual aggregate absorbs the loss and whether reinstatements are triggered.
Clash scenarios: GL loss overlapping with another line (e.g., products liability) that changes attachment dynamics.
Currency normalization and subrogation/salvage adjustments to ultimate net loss per treaty definitions.

How to explain Doc Chat’s result to a reinsurer in one page

Doc Chat outputs a one-page “Attachment Verification Summary” that typically includes:

Claim overview: insured, project, jurisdiction, loss date(s)
Underlying tower: retention/SIR, limits, ALAE treatment, horizontal vs vertical rules
Payments timeline: who paid what, when, and what eroded
Attachment test: date pierced, amount eroding the reinsurance layer, impact to annual aggregate and reinstatements
Exceptions/assumptions: batch handling, completed ops status, allocation method
Appendix with page-linked citations (payment ledger, endorsements, treaty definitions)

This package anticipates typical reinsurer questions. Because every number points to a page, conversations move from “prove it” to “how do we pay it?”

Performance at scale: what to expect

Doc Chat routinely processes hundreds of claim files per week, each containing thousands of pages. Layering Analysts report massive cycle-time reductions and improved confidence in attachment decisions. The experience mirrors what claims teams observed in our GAIG case: “Nomad finds it instantly, and that is such a huge time saver.” See the webinar replay for details.

The generative engine for reinsurance attachment work

Traditional “document extraction” tools fail because the answers you need are not sitting in a single field. They are the result of applying institutional knowledge to messy facts across many documents. That’s exactly why we built Doc Chat—to operationalize the discipline described in Beyond Extraction. The platform doesn’t just read; it reasons in the way your best Layering Analysts reason—only faster and at any volume.

Search-driven use, not training seminars

Doc Chat supports the way modern experts actually work—by asking questions in plain language. You don’t need to remember a menu path or learn a new coding syntax. Just ask the questions you already ask in email:

“Extract and crosscheck attachment points AI across policy years and show completed ops applicability.”
“Provide proof of underlying exhaustion and page cites for reinsurer notice.”
“Compare horizontal vs vertical exhaustion under California law assumptions.”

Doc Chat answers in seconds and gives you the evidence to back it up.

Implementation blueprint: from pilot to production in 1–2 weeks

Our white-glove process is designed for speed and certainty:

Pilot with your cases: You bring real Claims Files, Layer Schedules, Excess of Loss Treaties, and Attachment Point Documentation. We configure Doc Chat presets for attachment checks.
Playbook capture: We interview your Layering Analysts to codify rules (e.g., batch treatment, constructions of “occurrence,” ALAE handling, horizontality).
Validation loop: Run Doc Chat against known outcomes; compare numbers and refine prompts/presets.
Integrate: Connect to claims, reinsurance, and document systems via API; set up automated refreshes.
Rollout: Train teams in two hours. Users start by dragging and dropping files; most are productive on day one.

Because we ship a tailored solution (not a DIY toolkit), you realize benefits immediately while ensuring consistency with your existing processes.

Compliance, consistency, and the human in the loop

Doc Chat standardizes application of your attachment rules and preserves human judgment where it matters. Think of Doc Chat as your tireless junior analyst who never misses a page and always footnotes their work—but the final call remains yours. This operating model also streamlines onboarding for new Layering Analysts: instead of months of shadowing, they work with a system that embeds your best practices from day one.

The bottom line for Layering Analysts

If your daily work involves proving that a claim attaches—or doesn’t—to a particular treaty layer, you can now do that work in minutes, with greater accuracy and better defensibility. You’ll spend more time on strategy and negotiation and less on scavenger hunts through PDFs.

Start by trying Doc Chat on your next complex GL or Construction claim. Upload the Claims File, Layer Schedule, Excess of Loss Treaty, and Attachment Point Documentation. Ask one question: “Does this attach?” Then watch the math, the citations, and the output assemble themselves. Learn more or request a tailored demo at Doc Chat for Insurance.

Key takeaways and next steps

Layering Analysts spend too much time manually reconciling claim facts with treaty triggers. That work is now automatable.
Doc Chat instantly cross-maps underlying payments, aggregates, and endorsements against layer attachments with page-level citations.
Expect significant time savings, cost reductions, accuracy gains, and faster cashflow from reinsurers.
White-glove onboarding delivers a tailored solution in 1–2 weeks, with your rules encoded and your outputs standardized.
Use Doc Chat to address high-intent needs like “match claim amount to excess treaty automatically” and “automate excess claim layer verification” on day one.

The work hasn’t changed—only how quickly and consistently you can do it. With Doc Chat, verifying reinsurance attachment moves from a grind to a button.