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There are many other opportunities for knowledge services to incrementally improve the performance of distributed insurance ecosystems. For example, new policy applications for coverage can be automatically off-loaded to re-insurers when the exposure to a given risk exceeds predetermined levels. An outright moratorium on new hurricane coverage can be instantly imposed at the first indication of an approaching storm. Suspect claims can be forwarded to fraud investigators, and so forth.

Insurance was a prime domain for expert systems in the 1980’s. Several companies, such as Syntelligence, were formed specifically to address this lucrative market. None are still around. Their technology consisted of large, monolithic mainframe-based systems. It was ill-suited to decentralized insurance ecosystems, where integration and automation are best approached incrementally, one organization and one task at a time.

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