What catching high-risk claims in time is worth on your book.

Change the inputs and the savings update. It’s an illustration with default assumptions; a pilot on your own claims replaces them with your actuals.

Carrier TPA

High-risk claims caught in time

Caught in time means flagged to the handler before a suit is filed or a deadline passes.

Your rate today (assumed; a pilot measures it)50%

With Isomer (assumed)70%

Your bookClaims you handle

Linesets loss and defense from NAIC 2025 data Earned premium$M Loss ratiosettlements and awards, without defense% Defense cost ratiodefense and cost containment, of premium% Loss paid a yearsettlements and awards, across clients$M Defense spend a yeardefense and cost containment, across clients$M Claims a yearscales with the book until you enter your own

Assumptions

Where the loss is

Claims that are high-risklitigated, or headed there% Loss in high-risk claims% Defense cost in high-risk claims%

When a claim is caught in time

Avoid a suitof claims caught in time% Defense saved when no suit% Cheaper to defend, the rest% Lower settlement%

Upside not counted

One avoided blowupan excess verdict or bad-faith judgment$M

Illustrative estimate

A $1.0B commercial book, 50% → 70% caught in time

$9.4M a year at full run rate

0.94 points off the combined ratio, on each year of claims1.2% less loss and defense spend for your clients, on each year of claims

Lower defense costIn defense bills, mostly in the first year$4.3M

Lower settlementsAs claims close, over 2 to 3 years$5.1M

Year 1$3.6M

Year 2$7.4M

Year 3 on$9.4M

120 more high-risk claims caught in time a year, about $79K saved on each: 11% of an average high-risk claim.

Upside not counted

Fewer blowups. Avoiding one $5.0M excess verdict or bad-faith judgment adds 0.50 points on its own,saves a client that much on its own, 53% of a year of the savings above. A missed time-limited demand is the classic trigger; deadline risk catches them.

More accurate reserves. Reserves move with the warning, not months later, so there are fewer surprises in prior-year development. Same dollars, booked earlier; see reserve accuracy.

Two savings in the estimate, two more left out.

Loss and defense cost are separate inputs, so no dollar is counted twice. The total is a run rate on each year of claims; the years before it shows how it builds after go-live.

Source	Calculation	Shows up
Lower defense cost	$80.0M high-risk defense cost × 20 points more caught × 27% blended saving	Defense bills: 60% in the year a claim opens, 40% the next
Lower settlements	$340.0M high-risk loss × 20 points more caught × 7.5% lower	As claims close: 20%, 40%, 40% over three years
Per claim	600 high-risk claims × 20 points = 120 more caught in time; $9.4M ÷ 120 = $79K each	A check on the total, not added to it
Fewer blowups	One avoided $5.0M blowup ÷ $1.0B premium = 0.50 points	Not in the total: rare and lumpy, so shown one at a time
Reserve accuracy	Reserves move with the warning, not months later; measured in a pilot as reserve lag	Not in the total: the same dollars, booked earlier

If the assumptions are off.

Bookable savings a year, by how many high-risk claims Isomer catches in time and how many of those avoid a suit.

Caught in time with Isomer	10% avoid a suit	20% avoid a suit	30% avoid a suit

Four ways to test it before you buy.

The rate today is unknown.

The case depends on how many high-risk claims are already caught in time. Test: a lookback over 12 to 24 months of closed litigated claims measures it directly.

Some claimants have a lawyer before they file.

Most represented auto claimants hire one before filing. Test: only 20% of claims caught in time are assumed to avoid a suit, and they still keep a quarter of their defense cost; most of the value is cheaper defense and lower settlements.

Settlement savings take time.

Indemnity improvements show up in reserves over two to three years. Test: judge year one on defense cost, which shows up in bills within a year.

Flags get ignored.

Alert fatigue is how tools like this fail. Test: adjusters grade a sample of flags to measure precision.

Replace the assumptions with your actuals.

Start with our workshop, on synthetic claims modeled on your book, and leave with a business case. A paid pilot then measures your caught-in-time rate on your own claims, so the case runs on your actuals, not our assumptions.

Talk to us about our workshop