Duck Creek, an insurance technology provider focused on core systems and digital capabilities for insurers, has introduced Agentic First Notice of Loss (FNOL), an AI-powered claims intake solution that the company says can automate information gathering, validation and routing from the moment a claim is reported.
Built on the company’s Agentic AI Platform, Agentic FNOL uses a coordinated set of AI agents to process claims information submitted through digital, mobile and voice-to-text channels.
The technology is designed to address several challenges associated with traditional claims intake, including incomplete information, manual data entry and delays in getting claims to the appropriate handling teams. The company said Agentic FNOL can help insurers improve the quality of information collected at first contact while reducing administrative work and supporting faster claims processing.
“First notice of loss sets the trajectory for the entire claims experience,” commented Jose Lazares, Chief Product Officer at Duck Creek. “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.”
Rather than requiring customers to work through a fixed series of questions, Duck Creek said Agentic FNOL allows them to describe an incident in their own words. The system can then interpret the information, determine which additional questions are needed and assemble the responses into a structured claim file for an adjuster.
The system can also undertake a range of checks during the initial reporting process. These include verifying policy and coverage information, assessing indicators relating to injury and legal severity, and looking for potential anomalies within the claim.
Duck Creek said Agentic FNOL can compare information supplied by a claimant with policy records, photographs and other information contained within the claim. Where discrepancies or other signals require further investigation, the system can highlight them for review rather than relying solely on automated processing.
The company said actions taken by its AI agents are recorded, while exceptions can be referred to human employees. This approach is intended to give claims professionals greater visibility into the information gathered during intake while retaining human oversight where it is required.
“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,” added Ella Jurotte, Senior Director, Product Management at Duck Creek.
“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.”
Duck Creek said its approach combines insurance-specific data and models with AI orchestration and insurer-defined controls. The company said this enables its agents to operate according to individual carriers’ workflows, rules and governance requirements.
The platform has been developed in collaboration with Google Cloud and uses Gemini models, according to Duck Creek. Its capabilities include conversational claims reporting, policy and coverage checks, information validation, automated triage and routing, anomaly detection and connections with claims data and existing workflows.
The technology is designed to integrate with Duck Creek Claims, while also supporting third-party core system environments. The company said this gives insurers the option of introducing agentic AI capabilities without necessarily replacing their existing core technology.
Human oversight remains part of the system’s design, according to Duck Creek, with the company positioning the technology as a way of automating parts of claims administration while retaining human involvement in more complex decisions and customer interactions.
Agentic FNOL is part of Duck Creek’s broader portfolio of agentic applications. The company also offers Agentic Underwriting and Agentic Product Configurator, with Duck Creek positioning these products as part of a wider effort to apply coordinated AI automation across different stages of the insurance lifecycle.
Duck Creek’s announcement comes as insurers assess potential applications for agentic AI in areas including claims and underwriting. The company cited a recent Celent survey which found that 22% of participating insurers planned to have an agentic AI solution in place by the end of 2026. Duck Creek also cited Celent’s expectation that claims and underwriting will be among the areas where adoption is concentrated.
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