# Wilbur

> Wilbur is an agentic claims operating system for insurers, MGAs, TPAs, brokers, self-insured programmes and their supply chain. It turns fragmented evidence into one governed, decision-ready claim from lodgement to closure.

Wilbur unifies evidence, intelligence and workflow on a single governed record. Willo, the built-in AI teammate, reads evidence, reasons about cover, and orchestrates the work end-to-end. Trusted by 55+ clients across 1.8M+ claims with 98% user adoption.

## Pages

- [Home](/): Smarter claims. Stronger control. Overview of the Wilbur agentic claims platform.
- [Platform](/platform): The end-to-end Wilbur claims platform — one claim, one governed record, every step under control.
- [Willo](/willo): The AI teammate behind every claim — reads evidence, reasons about cover, orchestrates workflow.
- [Integrations](/integrations): Guidewire, Microsoft Dynamics, Solera, Livegenic, Xero, Vitesse, Databricks, AWS, Azure and more.
- [About](/about): Founded by claims people, for claims people — thirty years of hard-won insight built into one platform.
- [Request a demo](/request-a-demo): Book a live walkthrough of Wilbur closing a claim end-to-end.

## Whitepapers

- [The Evidence Standard](/whitepapers/the-evidence-standard): Why the next era of claims will be won or lost on the quality of evidence — and how governed AI turns evidence into decisions.
- [The Open Claim Clock](/whitepapers/the-open-claim-clock): Half your claims close in three months. Your average claim is open for seven. That gap is where the money goes.
- [The Cost of Reaching No](/whitepapers/the-cost-of-reaching-no): One claim in five pays the customer nothing. On a real book, producing those nothings cost millions a year, and nobody had ever priced it.
- [Where Claims Time Actually Goes](/whitepapers/where-claims-time-actually-goes): Two perils hold half the waiting on a claims book. A tenth of the files hold half again. Time on a claims book is not weather — it is owned.
- [The Surge Test](/whitepapers/the-surge-test): Catastrophe is the only benchmark that matters — and it does not create new failures. It multiplies the ones already in the book.

## Solutions

- [Insurers](/solutions/insurers): Close claims faster and defend every decision with governed AI.
- [MGAs & TPAs](/solutions/mgas-tpas): Protect your delegated authority and prove your portfolio on a single record.
- [Brokers](/solutions/brokers): Give clients visibility when the claim matters most.
- [Self-Insured](/solutions/self-insured): Control claims, suppliers and spend on one governed record.
- [Builders & Suppliers](/solutions/builders-suppliers): Work with insurers on the same page — instruction to settlement, one job record.
- [Automated Insurance Claims Guide](/solutions/automated-claims-guide): How automation reduces leakage, shortens cycle times and turns fragmented evidence into governed decisions.

## Optional

- [Privacy Policy](/privacy)
- [Terms of Use](/terms)
- [General Terms](/wilburgeneralterms)
- [Service Levels](/servicelevels)
- [Service Description](/servicedescription)