AI-Driven Subrogation Operations
Get in touchHarness data and AI strengthen your subrogation operations. Join the largest end-to-end subrogation provider in the U.S. and leverage AI to unlock 7–10% in incremental recoveries and drive 25–50% in cost efficiencies.
At a Glance: The EXL Impact
Trusted by carriers for over 25 years to deliver results at scale.
- $25 Billion+ recovered through scalable, data-driven technology
- 25–50% cost efficiencies generated via agentic AI
- 7–10% incremental recoveries unlocked
- 25+ countries utilizing our global capability
The Challenge
Is your recovery strategy evolving with the industry?
Carriers face growing pressure to improve results, but outdated processes can mean missed recoveries and higher costs. You need a partner who combines stability with innovation to meet evolving market demands.
The Solution
We help you gain and maintain a competitive edge in subrogation by integrating responsibly designed AI into your existing processes. Our solutions reduce file handling, speed up cycle times, and optimize outcomes—all with minimal disruption.
Our Solutions
Whether you need full-service management or a platform to support your teams, our goal is simple: improve recovery outcomes and boost productivity.
1. Full Subrogation Transformation
For carriers who need extra capacity or want to outsource specific business lines.
We manage entire business lines—auto, property, and workers’ compensation—or support key processes like identification, triage, arbitration, and litigation.
- Instantly access experienced talent and our full tech suite.
- Benefit from a cost structure that provides immediate value.
- Streamline workflows from identification through recovery.
2. Technology & AI Transformation
Our platform empowers your teams with workflow automation, integrated data, and AI-driven decisions.
- Stay in control of resources and claims.
- Ensure consistency with data-driven execution.
- Adapt automatically to changing market conditions.
3. Special Programs & Future-Ready Tools
- AI-Enabled Auto Subrogation: Our system uses AI and an electronic vendor/legal network to boost recoveries on product and uninsured-motorist claims, achieving strong financial results with minimal costs.
- AI-Enabled Property Subrogation: Tailored for water claims under $100K, we use AI to optimize claim selection, engage insureds via multi-channel communication, and speed up evidence collection.
- Adjuster Productivity Tools (Coming 2026): Tools like our arbitration Contention Builder will enhance adjuster efficiency and cut costs with a dual-shore model.
Why Leading Carriers Choose EXL
Proven History at Scale
As the largest end-to-end subrogation provider in the U.S., our client relationships of up to 25 years demonstrate a sustainable competitive advantage.
Embedded, Responsible AI
We integrate evolving "agentic AI," not just standard AI. This delivers significant cost efficiencies and a higher ROI than legacy systems can offer.
Flexibility Without Disruption
We integrate seamlessly with your processes, offering tools and workflows tailored for subrogation professionals, procurement specialists, and executives alike.
Maximize Your Recoveries
Don't leave revenue on the table. Partner with the industry leader in subrogation technology and execution.