Firms A, B, C, D, G
Recommended firms
Ranked by expected total cost at equal outcome · NSW property, reserve band, last 24 months · pooled benchmark: this client plus 3 opted-in ANZ carriers (k ≥ 20)| Rank | Firm | Expected total cost | Range (p20–p80) | Cycle time | Indemnity / reserve | Compliance friction | Capacity | Confidence (n) |
|---|
Expected saving vs incumbent on this claim: —If applied as a routing rule for NSW property under $50K: $1.1M/yrOverrides require a reason and feed the model.
Why — ranks first
What would change the answer
- Reserve above $75K: Firm B moves to first (stronger trial record). Try it in the reserve field.
- Plaintiff firm with trial propensity above 20%: Firms B and C move up.
- Insured-relationship weight set to high: Firm D stays, with a staffing covenant attached and the override logged.
Panel simulation
Apply this routing to all NSW property claims under $50K (est. 410 claims/yr):
Expected annual saving$1.1MCycle time change−31 daysMax firm concentration24%Firms losing volumeD, E