Claims outsourcing for insurance is no longer just a cost-saving tactic. It is becoming a strategic advantage for carriers, MGAs, and insurtechs facing rising volumes, higher expectations, and tighter margins.
According to the 2025 Insurance Operations Leaders Trends Report, the top two priorities for insurance operations leaders this year are to reduce complexity and cut costs (48 percent) and to improve policyholder satisfaction (48 percent). At the same time, insurers are dealing with talent shortages, unpredictable spikes in claims volume, and the challenge of maintaining strong customer experiences.
Outsourcing key parts of the claims process, such as First Notice of Loss (FNOL), desk adjusting, and subrogation, offers insurance organizations a way to meet these challenges without overextending internal teams or compromising service.
Here are four key benefits of claims outsourcing for insurance operations leaders.
Reason 1: Claims Outsourcing for Insurance Improves Efficiency and Reduces Costs
One of the biggest drivers of outsourcing in claims is the need to reduce operational costs while improving efficiency. Handling all claims functions in-house, especially field adjusting, can be expensive, time-consuming, and difficult to scale.
Outsourcing desk adjusting for low-complexity claims provides a more efficient, cost-effective alternative to field adjusting. Licensed desk adjusters can resolve straightforward claims remotely, often reducing resolution times from weeks to days. This eliminates the need for costly site visits while still ensuring regulatory compliance and accuracy.
Covenir Insight: IntelliClaims Advantage customers have reduced claims handling costs by up to 60 percent by outsourcing desk adjusting and limiting unnecessary field deployments, while also shortening cycle times.
Reason 2: FNOL Outsourcing and Call Center Support Improve Policyholder Satisfaction
A positive claims experience is key to retaining policyholders. Fast response times, clear communication, and compassionate service all play critical roles in customer satisfaction. For many insurers, these can be difficult to maintain during busy periods or catastrophic events.
Outsourcing FNOL and call center support allows insurers to deliver responsive, branded service 24/7 while easing the burden on internal teams. With multilingual support and trained professionals handling intake and inquiries, carriers can ensure that policyholders feel cared for and informed.
Covenir Insight: IntelliClaims Advantage provides 24/7 FNOL and multilingual call support delivered by licensed, U.S.-based professionals who act as an extension of your brand.
Reason 3: Strengthen Compliance and Ensure Audit Readiness
Regulatory expectations around claims handling are increasing. Failure to meet compliance standards can expose insurers to unnecessary risk. Many insurers also face challenges maintaining consistent documentation, training, and security as claim volumes grow.
Outsourcing sensitive functions like FNOL, desk adjusting and subrogation to licensed professionals who follow strict compliance protocols reduces risk and supports audit readiness. Working with a SOC 2-certified partner provides added peace of mind without increasing internal workload.
Covenir Insight: IntelliClaims Advantage is delivered by licensed, U.S.-based adjusters and supported by SOC 2-certified operations that help ensure full compliance and data security.
Reason 4: Stay Scalable and Resilient with Surge-Ready Claims Support and Faster Recovery
Claims leaders know that from extreme weather to unexpected surges, demand on claims operations can shift overnight. Maintaining the flexibility to scale is critical to avoid service breakdowns and customer dissatisfaction.
Outsourcing offers access to surge-ready resources for FNOL, call center operations, and desk adjusting. By also outsourcing subrogation, insurers can accelerate claims recovery and improve financial outcomes. A comprehensive outsourcing approach supports not just the intake and resolution of claims, but also the recovery of costs when appropriate.
Covenir Insight: IntelliClaims Advantage extends beyond intake and resolution. With subrogation services included, insurers can improve recovery times while maintaining control and transparency.
How Covenir IntelliClaims Advantage Delivers a Comprehensive Claims Solution
When approached strategically, claims outsourcing for insurance is more than just a way to cut costs. It is a powerful tool for building a stronger, more efficient, and more customer-focused claims operation.
Covenir IntelliClaims Advantage brings together:
- FNOL outsourcing
- Call center services
- Licensed desk adjusting
- Subrogation support
With these services working in harmony through a single, trusted, onshore partner, insurers can reduce costs, enhance service quality, maintain compliance, and scale with confidence, all while staying in control of the policyholder experience. Plus, our IntelliClaims Advantage includes our exclusive Call Surge Guarantee.
Ready to explore how outsourcing can help your claims team perform at its best?
Talk to a Claims Outsourcing Expert.