Teams  ›  United Kingdom  ›  Casualty & EL/PL liability
Casualty · employers’ and public liability

Your handlers decide liability.
They shouldn’t be assembling the requirement set.

A liability claim runs against the pre-action protocols and the policy at the same time.
Before judgement begins, someone must establish which requirements the claim engages — and check whether the file answers each one.

Outcomer prepares the claim for them.
Your handler opens a Case Orientation Report, not a raw file.

What your handler opens

A Case Orientation Report instead of a raw claim file.

Every requirement the claim engages — the pre-action protocol steps and response periods, the FCA claims-handling rules, your policy terms, and your own handling standards — identified for consideration, with the evidence on the file set against each one. It states the position on each requirement. It never reaches liability or quantum.

One requirement, as it appears in the reportIllustrative
A response to the letter of claim was provided within the protocol period, stating whether liability is admitted and on what basis.
Pre-action protocol · response period · version in force at date of claim
Not evidenced
The letter of claim is on file and the period has run. No response letter appears on the file, and nothing records that an extension was agreed. Named before the handler decides — not found afterwards.
Requirements are prepared this way across protocol compliance, coverage, liability, causation and quantum, and your own handling standards.

Two rails, clearly separated. The statutory and regulatory requirements for the jurisdictions you write in, and your own handling standards alongside them. Your handler can see at a glance which findings carry regulatory exposure and which are your house rules.

It reports the file, not the handler. It states what the record shows and what it does not — never what anyone did or decided.

It can be run at the beginning, and again whenever the claim is updated, to orientate the handler. Requirements that did not exist at intake appear with their own deadlines, and evidence that was absent becomes present.


What it returns to the desk

Less manual preparation. More time for the decision.

Outcomer removes the manual work your handler does before judgement can begin — establishing which protocol steps, regulatory requirements and policy conditions the claim engages, and checking the file against each one. That time returns to the decision you employ them to make. Judgement minutes are unchanged; every minute saved is preparation.

An estimated 37% less time on each claim —
around 59% more capacity from the same team.

Estimated from a task-level decomposition of a complex liability claim at the point of evaluation, taking the conservative end of each range and including the time to run and read the report. Judgement minutes are unchanged — the saving is all preparation. These are our figures, not measurements on your claims; we go through the working against your own case timings in the demo.


Configured to your work

Configured to your rule book, and signed off before anything runs.

Three sets of requirements govern a liability claim, and the report names all three. Your standards sit in your own configuration only. Nothing derived from them enters the shared regulatory corpus, and no other client’s configuration can draw on them.

The protocol and regulatory rail

The Civil Procedure Rules pre-action protocols and the FCA claims-handling rules — response periods, disclosure steps and the conduct requirements that apply to every insurer. Public, built once. You review it and sign it off.

Your policy terms

Conditions, exclusions, limits and notice requirements from the wordings you write, with the version in force at the date of loss. This is where coverage is decided, and it is yours.

Your handling standards

Investigation standards, reserve authority, escalation triggers and panel referral criteria. You confirm the rendering represents your manual.

Maintenance is agreed at the same time — we monitor the instruments, decompose any change, you sign it off, and it applies from the effective date. Requirements are date-gated, so a claim from 2021 is examined against the rules as they stood in 2021.


What changes for the desk

Six things your claims manager sees.

  1. Fewer protocol steps missed.Every response period the claim engages is identified before the clock runs, not after.
  2. More claims closed per handler without adding desks.The capacity comes out of preparation, not out of the time spent deciding.
  3. A new joiner works to the same standard as your most experienced handler.The same requirements, in the same order, on every claim.
  4. Fewer decisions undermined by something that was on the file.A condition or exclusion nobody identified was never in the position taken.
  5. Fewer files back on a supervisor’s desk.The position on each requirement is complete and recorded the first time.
  6. When the file is reviewed, what was considered is already in it.A dated record on every claim, not the sample that happens to be pulled.

How it runs

In your estate, against the requirements in force at the time.

An orientation layer that sits alongside your claims administration system. Outcomer does not replace or write to it. It reads the file and states the position; your handlers decide and update the record. No migration, no change to how claims are administered.

Outcomer deploys as a container inside your own environment. The software and the model run in your estate, and nothing about the claim leaves your tenancy.

Built to fit your claims workflow. Outcomer can operate as a standalone workflow during evaluation, or integrate with your existing claims-management environment so the Case Orientation Report becomes another part of the handler’s existing workflow.

Schedule a 20-minute demo and see how it matches your desk’s work.

We will show you a Case Orientation Report, walk through how the matrix is configured and signed off, and go through the capacity estimate against your own case timings.