Smarter Referral Routing in Liability and Casualty: Using AI to Prepare, Not Replace, the Underwriting Decision

AI-assisted referral routing uses OCR/IDP, RAG, and agentic workflows to read a liability or casualty submission, check appetite and authority, assemble a referral pack, and route it to the right underwriter — leaving the decision to a human.

This InsurTech Gulf article discusses insurance technology, underwriting operations, and market developments relevant to insurers and brokers in KSA, the wider GCC, MENA, and international markets. It is part of the site's ongoing coverage of underwriting automation, digital insurance workflows, and practical implementation trends in insurance software.