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How exposed to AI is a Insurance Claims and Policy Processing Clerk?

Of the 27 tasks O*NET lists for insurance claims and policy processing clerks, 8 could be done in half the time with a chat window today. 6 cannot be sped up at all. Here is which.

Exposure means published research judged an AI could halve the time a task takes, at the same quality. It does not mean the task stops needing a person. How to read this

Also called
Claims AdjudicatorClaims AnalystClaims ClerkClaims Customer Service Representative (Claims CSR)Claims ProcessorClaims Representative (Claims Rep)Claims Technician (Claims Tech)Insurance AnalystPolicy AnalystUnderwriting Assistant
Reachable today Needs software built first Cannot be sped up
27
tasks rated for this occupation
7%
hold a degree, from a survey of 58
218k
people do this job in the US
24 of 51
least protected in office and admin

Every task, and what AI can do with it

These are O*NET's task statements for this occupation, exactly as written, sorted into the three bands by the ratings behind this report. Nothing has been reworded.

Reachable with a chat window today

8
  • Prepare insurance claim forms or related documents, and review them for completeness
  • Transmit claims for payment or further investigation
  • Provide customer service, such as limited instructions on proceeding with claims or referrals to auto repair facilities or local contractors
  • Pay small claims
  • Process, prepare, and submit business or government forms, such as submitting applications for coverage to insurance carriers
  • Interview clients and take their calls to provide customer service and obtain information on claims
  • Compose business correspondence for supervisors, managers, and professionals
  • Apply insurance rating systems

Only with software built on top

13
  • Calculate amount of claim
  • Post or attach information to claim file
  • Contact insured or other involved persons to obtain missing information
  • Process and record new insurance policies and claims
  • Organize or work with detailed office or warehouse records, using computers to enter, access, search or retrieve data
  • Correspond with insured or agent to obtain information or to inform them of account status or changes
  • Transcribe data to worksheets, and enter data into computer for use in preparing documents and adjusting accounts
  • Notify insurance agent and accounting department of policy cancellation
  • Obtain computer printout of policy cancellations, or retrieve cancellation cards from file
  • Calculate premiums, refunds, commissions, adjustments, or new reserve requirements, using insurance rate standards
  • Enter insurance- and claims-related information into database systems
  • Modify, update, or process existing policies and claims to reflect any change in beneficiary, amount of coverage, or type of insurance
  • Organize or work with detailed office or warehouse records, maintaining files for each policyholder, including policies that are to be reinstated or cancelled

Cannot be sped up

6
  • Review insurance policy to determine coverage
  • Review and verify data, such as age, name, address, and principal sum and value of property, on insurance applications and policies
  • Compare information from application to criteria for policy reinstatement, and approve reinstatement when criteria are met
  • Examine letters from policyholders or agents, original insurance applications, and other company documents to determine if changes are needed and effects of changes
  • Collect initial premiums and issue receipts
  • Check computations of interest accrued, premiums due, and settlement surrender on loan values
What this does not say

This is not a prediction about your job

Nobody surveyed an employer. Tasks are counted equally, so a percentage here is a share of the list rather than a share of your week. And the ratings were made in 2023, which makes every figure a floor rather than a ceiling.

It must never be used to select anyone for redundancy. The full limits are here.

Where to go next

This is the standard task list for the title. The useful next question is which of the tasks you actually do should go near AI, and which should not.

Sort your own tasks Read the full report

Exposure ratings from Eloundou, Manning, Mishkin and Rock, GPTs are GPTs: Labor market impact potential of LLMs, Science 384, 1306–1308, 2024, used under the MIT licence. This page includes information from the O*NET Database by the U.S. Department of Labor, Employment and Training Administration (USDOL/ETA), used under the CC BY 4.0 license. O*NET® is a trademark of USDOL/ETA. People Team AI has modified all or some of this information. USDOL/ETA has not approved, endorsed, or tested these modifications. Employment figures from the US Bureau of Labor Statistics.