Catch deteriorating segments before they impact results
Loss ratios can deteriorate quietly across lines of business, regions, or underwriting years until they surface in quarterly results.
Commercial Auto - Northeast
Loss ratio threshold breached • Review required
Built for finance teams
who demand loss predictability
Loss ratios can deteriorate quietly across lines of business, regions, or underwriting years until they surface in quarterly results.
CFOs
Portfolio-wide oversight
Finance Directors
Strategic oversight & escalation
Actuarial Analysts
Reserve & pricing accuracy
Financial Controllers
From alert to action in minutes
The objective of this agent is to reduce loss ratio volatility and catch adverse trends early.
The Trigger
You define when the agent should activate. When conditions are met, it starts working automatically.
- Threshold breach: Segment loss ratio exceeds plan by more than 5 percentage points
- Trend alert: Three consecutive months of increasing loss ratio in any line of business
- Large loss impact: A single loss exceeds the large loss threshold for the segment
360° View
The agent opens a tailored dashboard consolidating data from all your systems.
- Loss ratio by segment: Line of business, region, underwriting year, and channel
- Claims frequency: Count of claims per policy, trended over time
- Severity breakdown: Average claim size by type, with large loss identification
Automated Analysis
The agent follows a structured analysis flow, combining checks with exploratory reasoning.
- Segment isolation: Identifies which lines, regions, or underwriting years are driving the movement
- Frequency vs. severity decomposition: Determines whether the issue stems from more claims or larger claims
- Large loss impact assessment: Calculates loss ratio with and without large losses
Actionable Output
After analysis, the agent creates a human-friendly report with everything your team needs.
- Executive summary: Segments flagged, deviation magnitude, and primary driver
- Detailed findings: Quantified breakdown of each factor's contribution
- Large loss detail: Specific claims driving severity
Delivery
Reports are sent automatically via email or accessed directly in Veezoo.
Key benefits for finance teams
Concrete, measurable value for your team from day one
Early detection: Before: issues surfaced in quarterly close, 6-8 weeks late
Now: alerts trigger within days.
Root cause clarity: Instantly see whether the issue is frequency, severity, large losses, or reserves.
Standardized investigation: Every review follows the same rigorous methodology.
Up and runningin production in weeks
To deploy this Agent, you connect Veezoo to your existing Data Warehouse, typically containing data from:
Ready to explore Loss Ratio Alert?
Fully customizable to your workflows, data sources, and business requirements.
Typical initial implementation in weeks, not months.