Duck Creek, which positions itself as the intelligent core of insurance, has announced that Duck Creek Agentic First Notice of Loss (FNOL), an AI-powered solution designed to turn claims intake into an intelligent, real-time experience, is now available to early access customers.

FNOL is the first report a policyholder files after an incident, and the intake stage has often depended on rigid forms and manual follow-up — a dynamic Duck Creek says adds cost and delays claimants' paths to resolution. Built on the Duck Creek Agentic AI Platform, Agentic FNOL relies on orchestrated, extensible AI agents to capture, validate, enrich, and route claims across digital, voice-to-text, and mobile channels. According to the company, the solution is intended to help insurers improve data quality at first contact, shorten claims cycle times, reduce loss adjustment expense, and provide 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.”

The launch comes amid growing industry interest in agentic AI. Celent’s most recent annual survey on generative AI usage in insurance found that 22% of participating insurers plan to have an agentic AI solution in place by the end of 2026, and the research firm expects claims and underwriting to be among the areas that lead adoption — putting intake-stage automation like FNOL at the front of the workflow where that shift is expected to land first.

Through its digital customer experience, Agentic FNOL allows claimants to describe a loss in their own words rather than work through a rigid form. The solution listens to natural-language inputs, determines the appropriate follow-up questions, and produces 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. The system cross-references reported circumstances, submitted images, policy data, and the broader claim record to surface inconsistencies that may warrant closer review. Each AI-driven determination is clearly logged, and exceptions are flagged for human review, so adjusters can open informed conversations with claimants and concentrate on support and resolution rather than administrative intake.

“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. It gives adjusters more time to focus on informed decisions and meaningful claimant interactions, while delivering a faster, more consistent experience from the first notice of loss.”

Agentic FNOL embeds 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 operate within carrier-defined workflows, rules, and controls. Every AI-driven action is designed to be traceable, explainable, and auditable. That oversight carries particular weight in insurance, where automated determinations made at intake shape how each claim proceeds and how policyholders experience the process.

Developed in collaboration with Google Cloud and powered by Gemini models, Agentic FNOL supports a range of critical intake capabilities:

• Policy and coverage verification to help ensure claims are accurately associated with the appropriate policy and coverage information
• Conversational claims intake across digital, voice-to-text, and mobile channels
• Data capture and validation that improves submission quality and completeness at first contact
• Intelligent triage and routing to direct claims efficiently based on carrier-defined workflows
• Early fraud and anomaly detection to help identify potential concerns during intake
• Real-time integration with claims data and workflows to support faster, more informed handling

The solution is designed to work seamlessly with Duck Creek Claims and can also support third-party core system environments, allowing insurers to introduce agentic capabilities while preserving existing technology investments. It combines autonomous automation with human-in-the-loop controls, helping carriers scale claims operations without sacrificing oversight, compliance, or the human judgment required for complex claims.

Agentic FNOL Duck Creek’s growing portfolio of agentic applications, which also includes Agentic Underwriting and Agentic Product Configurator. Together, these solutions extend intelligent, governed automation across the insurance lifecycle, helping carriers move beyond task-level AI toward orchestrated, end-to-end workflows. For now, availability remains limited to early access customers; how the solution performs in that phase, and how readily it connects to third-party core systems, are the near-term details to watch as agentic intake moves through the claims process.