Duck Creek, the intelligent core of insurance, today announced Duck Creek Agentic First Notice of Loss (FNOL), an AI-powered solution that transforms claims intake into an intelligent, real-time experience, is now available for early access customers.
Built on the Duck Creek Agentic AI Platform, Agentic FNOL uses orchestrated and extensible AI agents to capture, validate, enrich, and route claims across digital, voice-to-text, and mobile channels.
The solution helps insurers improve data quality at first contact, reduce claims cycle times, lower loss adjustment expense, and deliver a more responsive experience for policyholders at a critical moment.
"First notice of loss sets the trajectory for the entire claims experience," said 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."
Through the digital customer experience, Agentic FNOL enables claimants to report a loss in their own words rather than navigate a rigid form. The solution listens to natural-language inputs, determines the right follow-up questions, and delivers a structured, enriched, adjuster-ready claim file in seconds.
From the first description of a loss, Agentic FNOL verifies coverage, assesses injury and legal severity, and identifies anomaly signals across claim characteristics without manual data entry. It cross-references reported circumstances, submitted images, policy data, and the broader claim record to surface inconsistencies that may warrant closer review.
"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," said 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."
Agentic FNOL brings insurance-specific intelligence and governance directly into the claims intake process. By combining Duck Creek's core system data, insurance domain models, and AI orchestration, the solution enables agents to work within carrier-defined workflows, rules, and controls. Every AI-driven action is designed to be traceable, explainable, and auditable.
Developed in collaboration with Google Cloud and powered by Gemini models, Agentic FNOL supports policy and coverage verification, conversational claims intake, data capture and validation, intelligent triage and routing, early fraud and anomaly detection, and real-time integration with claims data and workflows.
Agentic FNOL is designed to seamlessly work with Duck Creek Claims and can support third-party core system environments, allowing insurers to introduce agentic capabilities while preserving existing investments. It is part of Duck Creek's growing portfolio including Agentic Underwriting and Agentic Product Configurator.
About Duck Creek Technologies
Duck Creek is the intelligent core that leading insurers choose to build on. Purpose-built for property and casualty (P&C) and general insurance, Duck Creek unifies the full insurance lifecycle on a single platform with one data foundation. As an agentic platform, it connects intelligence across underwriting, policy, billing, claims, reinsurance, and payment workflows where decisions are made and compliance is non-negotiable. Solutions are available individually or as a full suite via Duck Creek OnDemand.
