Premium and revenue leakage
Late, short-paid, unallocated or incorrectly booked premium.
Insurance
Protect margin across every premium, claim and payment
RedOwl connects policies, premiums, commissions, claims, supplier invoices and settlement evidence to uncover financial leakage before it reaches the ledger, or leaves the business.
Built for complex insurance payment chains, high-volume claims and regulated financial controls.
Insurance margin leakage
Insurance leakage hides between policy intent and financial reality
Insurers operate across policy administration, claims platforms, broker communications, supplier networks, settlement files and finance systems. A transaction can look correct in each system and still be wrong overall. RedOwl brings the chain together, applies the relevant policy and commercial rules, and presents the exceptions that need human judgement.
Claims and benefit leakage
Duplicate, ineligible or incorrectly calculated claims and payouts.
Commission and distribution leakage
Incorrect rates, tiers and accelerators, duplicate payments and missed clawbacks.
Supplier and payment leakage
Panel supplier overbilling, rate-card variances, duplicate invoices and payee risk.
Use-case explorer
Find leakage across the insurance value chain
Select a use case to see how RedOwl connects policy, operational and financial evidence to identify the exceptions that matter.
Insurance control tower
One view across premium, claims and payment leakage
Give finance, claims, distribution and treasury teams a shared view of what should have been collected or paid, what actually happened and who owns each exception.
Insurance control tower
Case Study - Corporate Insurer
Tracing premium through a multi-party settlement chain
A major corporate and specialty insurer operating through brokers and intermediaries and participating in risks as a follower-line insurer.
The challenge
The insurer needed to know whether premium had been received correctly and on time through a chain involving the policyholder, broker, lead insurer and its own participation. A small mismatch in premium, participation, commission or remittance evidence could stop a material receipt from being allocated.
Validation scope
- Policy and risk information
- Written and signed participation
- Expected premium
- Broker commission
- Settlement advice
- Counterparty information
- Cash receipts
- Ledger allocation
- Payment terms
Real-time Protection
For every margin owner
Connect every margin owner to the financial outcome they control
Bring premium, claims, commission, supplier and settlement evidence into one decision environment so leaders can protect margin without adding another review layer.
CFO & Finance
“Where is premium, claim, supplier and payment leakage affecting underwriting result and cash?”
Financial exposure
Transactions can appear correct in each platform while the complete policy-to-settlement chain remains financially inconsistent.
- RedOwl outcomeProtect insurance margin
- RedOwl outcomeImprove cash and exposure visibility
- RedOwl outcomeGive the board a defensible control view
- SEE
- exposure by line, market and counterparty
- ACT
- collect, correct, recover or hold
- PROVE
- policy, claim and decision evidence
Claims Leadership
“Are claims and benefit payments eligible, correctly calculated and within policy terms?”
Financial exposure
Duplicates, prior payments, excess, limits and supplier charges can be missed when evidence is fragmented.
- RedOwl outcomePrevent incorrect payouts
- RedOwl outcomeReduce claim leakage
- RedOwl outcomeAccelerate evidence-backed resolution
- SEE
- exposure by line, market and counterparty
- ACT
- collect, correct, recover or hold
- PROVE
- policy, claim and decision evidence
Treasury
“Which settlements and payment instructions create liquidity or payee risk?”
Financial exposure
Large settlement flows, duplicate instructions and unverified bank changes can create immediate cash exposure.
- RedOwl outcomeProtect cash before release
- RedOwl outcomePrioritise high-risk exceptions
- RedOwl outcomeMaintain settlement auditability
- SEE
- exposure by line, market and counterparty
- ACT
- collect, correct, recover or hold
- PROVE
- policy, claim and decision evidence
Accounts Receivable
“Which premium is unpaid, short-paid, unallocated or blocked from booking?”
Financial exposure
Multi-party settlement chains obscure receivables ownership, allocation and collection status.
- RedOwl outcomeAccelerate premium collection
- RedOwl outcomeReduce unapplied cash
- RedOwl outcomeImprove debtor and counterparty visibility
- SEE
- exposure by line, market and counterparty
- ACT
- collect, correct, recover or hold
- PROVE
- policy, claim and decision evidence
Distribution & Commissions
“Are commission rates, tiers, accelerators and clawbacks being applied correctly?”
Financial exposure
Complex distribution agreements create overpayment, missed clawback and profitability risk.
- RedOwl outcomeEnforce signed economics
- RedOwl outcomeRecover commission leakage
- RedOwl outcomeImprove channel profitability visibility
- SEE
- exposure by line, market and counterparty
- ACT
- collect, correct, recover or hold
- PROVE
- policy, claim and decision evidence
Procurement
“Are panel suppliers charging the contracted rate and evidenced service?”
Financial exposure
Repair, legal, medical and assessor fees drift when invoices are separated from panel terms and claim evidence.
- RedOwl outcomeRetain negotiated value
- RedOwl outcomeChallenge supplier variance
- RedOwl outcomeImprove panel performance
- SEE
- exposure by line, market and counterparty
- ACT
- collect, correct, recover or hold
- PROVE
- policy, claim and decision evidence
Risk & Compliance
“Are policy, delegation and payment controls operating before value leaves the business?”
Financial exposure
After-the-fact review cannot prevent breaches or evidence timely intervention.
- RedOwl outcomeMove control pre-payment
- RedOwl outcomeReduce policy and payee risk
- RedOwl outcomeEvidence human judgement
- SEE
- exposure by line, market and counterparty
- ACT
- collect, correct, recover or hold
- PROVE
- policy, claim and decision evidence
Internal Audit
“Can we reconstruct why each material premium, claim or payment decision was made?”
Financial exposure
Disconnected evidence and manual commentary weaken auditability and root-cause analysis.
- RedOwl outcomeCreate a complete audit trail
- RedOwl outcomeIncrease control coverage
- RedOwl outcomeTarget repeat failure
- SEE
- exposure by line, market and counterparty
- ACT
- collect, correct, recover or hold
- PROVE
- policy, claim and decision evidence
Systems and data
Works across the insurance systems already in place
Policy & claims data
- Policy administration
- Claims management
- Broker and intermediary data
Commercial data
- Commission platforms
- Supplier and panel systems
- Contract repositories
- Email, PDF and spreadsheets
Settlement data
- Premium and settlement files
- Treasury and banking
Finance data
- ERP and general ledger
- Data warehouses
System categories shown for illustration. RedOwl starts with exports and flat files and deepens integrations as controls move into production.
Find where value is leaking across your insurance value chain
Start with one premium portfolio, claim category, commission run or supplier panel. RedOwl will show where policy terms, evidence and payments no longer agree.