CLAIMS CORELEDGER

The operating record for policy, claims, and insurance change.

Coverage desk

Delegated underwriting

Source-backed reporting and analysis connected to the companies, capabilities, authorities, and operating domains it affects.

A Send bordereaux validation is not delegated-authority proof

Send, now owned by Duck Creek, documents binder management, bordereaux ingestion, contract-term validation, and post-bind processing. An insurer still needs an effective agreement, covered risk and transaction population, exception review, core reconciliation, and accountable acceptance before relying on the record.

A Cytora digitized submission is not an underwriting decision

Cytora describes turning commercial-insurance submissions and external data into structured risk views and workflows; underwriting still needs source-document, schema, appetite, exception, authority, and decision lineage.

A Sedgwick claim assignment needs an authority map

Sedgwick documents technology-enabled claims administration for insurers, MGAs, captives, and self-insured organizations. Assignment still needs explicit delegated authority by claim and action.