Reserves that move with the warning.
Severity rarely arrives in a claim-system field. It arrives as a surgical consult, a life care plan, or an attorney letter. Isomer™ Signals flags it on arrival, so the first reserve reflects what actually came in.
Built onIsomer Graph · Isomer Signals
Warehouse fallGeneral liability
Reading on arrival- Day 1Read
First notice · reserve set at $25,000
- Day 22High
Surgical consult · PDF, 14 pages
We recommend L4–L5 lumbar fusion.
- Day 30High
Life care plan · PDF, 38 pages
Projected future care of $1.2 million.
Medical severity escalation
Reserve $25,000 · warning arrived on day 22
Act
- Reserve review queued with the evidence
- In tomorrow’s report to leadership
When reserves move months late, it shows up as prior-year development.
Settlements are growing faster than verdicts. The days between when a claim’s economics change and when the reserve does are the days you can count.
12.6%
a year growth in bodily-injury settlements, over the last five years.
3.7%
a year growth in bodily-injury verdicts over the same period.
23–34%
of booked losses in commercial auto and GL from legal system abuse, beyond inflation.
The signals that should move a reserve.
| Example signal | What it catches | Typical severity |
|---|---|---|
| Medical severity escalation | Surgery, hospitalization, or impairment ratings | High |
| Life care plan or economist package | Future-damages packages used to support a demand | High |
| Excess and reinsurance notice | Thresholds that trigger notice obligations | High |
Examples from the 90+ detectors in the signal library.
Reserve lag, by claim.
A pilot measures it from your own reserve history: the days from the first warning in the file to the reserve change. Finance and your actuary get it by claim.
Reserve review flagged
When a severity signal lands, the reserve review is queued with the evidence.
A daily report for leadership
Critical and high signals across the book, every morning.
Your caught-in-time rate
A baseline few carriers have, from your closed litigated claims.
Lines of business General liability · Commercial auto · Employment practices · Workers’ compensation · Umbrella and excess
Starts on your claims inbox from day one, with its past mail building the claim graph. After first notice, work moves to adjuster inboxes and the claim system; connecting them keeps these signals current for the life of the claim. No claim-system project is needed to start.
Illustrative: a $1B commercial book
What one point of combined ratio is worth.
One point on a $1B book is $10M a year. The usual way to get it is slow: about 12.5% premium growth at an 8% margin. Catching high-risk claims in time gets it from the book you already have.
Measure your reserve lag.
Start with our workshop, on synthetic claims modeled on your book. A paid pilot then measures reserve lag by claim from your own reserve history, for finance and your actuary.
