A claim lands on your desk. The initial reserve looks manageable. Eighteen months later, it settles at 4x the estimate.
Social inflation made this the norm. Jury awards are climbing, plaintiff strategies are more sophisticated, and litigation funding has made it easier than ever to push cases further. Early-stage exposure estimates are systematically off because the signals of escalation are buried in thousands of pages of filings, medical records, and depositions — more than any team can process early enough to act on.
Timing is everything in claims management. Most organizations recognize escalation risk only after defense costs are sunk and settlement ranges have already expanded well past the original reserve.
Canotera moves that recognition forward. We analyze the full case record and deliver calibrated forecasts of settlement range and escalation risk at the front end of the lifecycle — when intervention still moves the needle. Claims leaders get the visibility to set realistic reserves from day one, allocate legal spend where it matters, and negotiate from data.
The firms already using predictive analytics are making faster, more confident decisions — and that compounds across every case in the portfolio.
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