The AgentisIQ Human Agency Scale (HAS)

Quantifying Human-AI Collaboration in P&C Insurance Transformation

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HAS H1
🤖‍👤
HAS H2
🤝
HAS H3
👤‍🤖
HAS H4
👤
HAS H5
Team Dynamics
AI Agent Drives Task Completion

The AI agent takes primary responsibility for task execution with no or minimal human oversight.

Equal Partnership

The human and the AI agent collaborate closely throughout the task.

Human Drives Task Completion

The human takes primary responsibility for task execution with varying levels of AI assistance.

Required Human Involvement
AI agent handles the task entirely on its own without your involvement.
AI agent needs your input at a few key points to achieve better task performance.
AI agent and you work together to outperform either alone.
AI agent needs your input to successfully complete the task.
Task completion fully relies on your involvement.
AI Role
Automation

AI replaces human capabilities

Augmentation

AI enhances human capabilities

Example P&C Tasks
  • Process simple, high-volume claims (e.g., auto glass) straight-through from FNOL to payment.
  • Extract data from standardized ACORD forms and enter into core systems.
  • Run nightly operational performance reports.
  • Analyze photos of vehicle damage, calculate a repair estimate, and present to an adjuster for final approval.
  • Flag a policy application for potential misrepresentation, requiring an underwriter to review and decide.
  • Accept or reject automated, low-value subrogation payments.
  • A claims adjuster uses a GenAI tool to summarize a complex commercial liability claim file to accelerate negotiation strategy.
  • An underwriter uses an AI platform to score a complex risk, then collaborates with the AI in a scenario-planning tool to adjust coverage terms and pricing.
  • A senior underwriter develops a new insurance product for an emerging risk (e.g., cyber, climate), using an AI platform to model loss scenarios and set pricing parameters.
  • A fraud investigator builds a case against a suspected fraud ring, using AI-powered network analysis to guide interviews and evidence gathering.
  • Negotiate a multi-year, outcome-based contract with the C-suite of a major insurance carrier.
  • Conduct workshops with a client's claims department to drive adoption of new AI-driven workflows.
  • Provide expert witness testimony in a complex litigation case.

✨ HAS Scenario Simulator

Select a domain and a HAS level to see how AgentisIQ approaches the task. Powered by the Gemini API.

Your generated scenario will appear here...