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Report

The State of Policy Coverage Checking

February 24, 2026

10 hours ago

Webinar

February 24, 2026

Claims policy coverage remains one of the most persistent and costly challenges in the insurance industry.

This research report is based on information provided by 53 insurance carriers, MGAs and service providers – along with expert insights from Ian Thompson, insurance and claims expert at IMT Advisory, Sprout.ai CEO Roi Amir, and Melissa Collett, CEO at Insurtech UK.

Read this report to learn how your handling of coverage checking compares with your peers, and what you can do to improve efficiency, cut costs, and better support your adjusters.

Contents

  • Executive Summary
  • Chapter 1: “We’re in control, there’s nothing to see here!”
  • Chapter 2: The coverage determination confidence gap
  • Chapter 3: The silent bottleneck – coverage analysis at FNOL
  • Chapter 4: A divide among peers
  • Chapter 5: What claims leaders want AI to deliver (and why readiness lags)
  • Chapter 6: Next steps – A practical roadmap for Chief Claims Officers

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