01
Weak rationale
Reserve movements are submitted without clear decision reasoning.
CLAIMS DECISION CONTROLRESERVE GOVERNANCEAUDIT READINESS
reserve‑change governance for claims teams.
Claricular Reserve Guard helps claims teams check whether reserve movements are explainable, evidence-backed, manager-reviewed where needed, and exportable as an operational audit bundle.
01
Queue scope
8-12
Pilot weeks
05
Control stages
RESERVE GUARD
CONTROL DASHBOARD
PILOT SCOPE ACTIVE
Control Dashboard
Reserve Events
Correction Queue
Manager Review
PILOT QUEUE
Motor Claims · UK
CONTROL STATUS
Correction open
RESERVE EVENT
RG-2025-0418
Motor · Bodily injury
Previous
GBP 42k
Proposed
GBP 68k
Movement
+61.9%
GOVERNANCE CONTROL LOOP
STAGE 03 / 05
Reserve Event
Validation Result
Correction Required
Manager Review
Audit Bundle Ready
VALIDATION RESULT
2 ACTIONSAuthority threshold confirmed
Decision rationale needs clarification
Evidence reference required
GOVERNANCE LOG
LIVE TRAIL14:32
Reserve event captured
14:33
Validation rules applied
14:34
Correction task opened
OPERATIONAL CONTROL TRAIL · 14:32 UTC
VIEW CASETHE CONTROL GAP
Where reserve‑change control breaks down
Reserve decisions often move faster than the evidence trail around them. Reserve Guard brings the operational checks into one visible workflow.
02
Missing evidence
Supporting references are incomplete, scattered, or hard to audit.
03
Limited visibility
Managers cannot easily see correction status, repeat issues, or readiness gaps.
STRUCTURED WORKFLOW
A control loop for reserve decisions
A clear operating path from reserve movement through correction and manager oversight to an exportable handoff.
01
Reserve event captured
Capture the movement, context, rationale, and linked claim references.
02
Validation rules applied
Check rationale, evidence, authority, and context against agreed triggers.
03
Correction task raised
Route weak decisions back into a structured operational workflow.
04
Manager review
Escalate unresolved or material cases for clear oversight.
05
Audit bundle exported
Create a structured operational handoff for the selected scope.
CONTROLLED ADOPTION
Built for controlled pilots
Reserve Guard is designed to start narrow: one claims queue, agreed reserve‑change triggers, limited insurer-system ingestion, operator-controlled service credentials, and structured audit-bundle export over an 8-12 week pilot.
Status: production-pilot deployable, subject to agreed infrastructure setup.
8-12 week pilot
One claims queue
Agreed reserve‑change triggers
Limited integration
Operator-controlled credentials
Audit-bundle export
SYSTEM POSITIONING
Designed to sit beside existing claims systems
Reserve Guard is API-first and designed to work alongside existing claims platforms rather than replacing them. Production-pilot deployment requires agreed PostgreSQL, Redis, TLS, backup, monitoring, and secret-management setup.
API-firstLimited ingestionStructured exportOperator controlled
CONTROL LAYER POSITIONING
API-FIRSTEXISTING
Claims platform
Agreed claim and reserve‑change inputs
CLARICULAR
Reserve Guard
Validation, corrections, review, control trail
HANDOFF
Audit bundle
Structured operational export
Agreed infrastructure
Secret management
TLS and monitoring
POSITIONED WITH CARE
Operational audit handoff, not certification
Reserve Guard supports operational governance and audit readiness. It does not provide legal, regulatory, or claims-outcome certification.
FOR CLAIMS TEAMS
Who Reserve Guard is built for
For operators and governance teams who need a clearer control layer around reserve‑change decisions.
Claims Operations Leaders
Technical Claims Managers
Claims Transformation Teams
Risk and Governance Teams
TPAs and Claims Service Providers
PILOT PARTNERS
Looking for 1-2 controlled pilot partners
Claricular is seeking a small number of UK claims teams to test Reserve Guard on a narrow reserve‑change workflow before broader rollout.
Request Pilot DiscussionBUYER ENQUIRY
Discuss a focused Reserve Guard pilot
Tell us about the queue, reserve‑change workflow, and operational control question you want to test.
Narrow pilot scope
Agreed integration boundaries
Operational audit-bundle handoff
Buyer discussions for UK claims teams