Analytics-driven subrogation ecosystem to drive expense from your organization

EXL’s Subrosource® platform encompasses technology, advanced analytics, and patented methodologies to improve both net- and top-line recoveries. Our solution embeds analytics throughout the process to proactively identify opportunities, provide decision support, automated insurance arbitration, and industry leading vendor management. The net result is an industry-leading yield per file. EXL is the largest provider of subrogation solutions in the United States, and the only company to provide solutions that cover the entire recovery eco-system from FNOL through litigation.


Embedded in our multi-line platform is a full recovery suite including salvage, liability deductible recovery, Contention Builder and vendor management. On uninsured motorist (UM) claims, EXL’s vendor management team can take complete ownership of the file, reducing your costs via analytics and intelligent exception handling.

You can have it all or just what you need:

  • Touchstone Select: Identification models and customized triage
  • Touchstone Arbitration: Advanced tools for improved arbitration outcomes
  • Touchstone UM: Change the game for uninsured motorist recovery

EXL’s industry leading recovery ecosystem


How is EXL Subrosource different?


Recovery platform for both subrogation and salvage


Analytics-driven Contention Builder that improves adjuster efficiency


Governed triage and workflow process, putting the highest probability files into a path that will have the highest yield


In cases involving uninsured or underinsured parties, EXL has an entire vendor management process that does the heavy lifting, freeing up carrier staff to focus on higher probability cases


Embedded analytics to identify and score files for recovery probability


Improved win rates in both applicant and response arbitrations


Claims management system for higher yield claims

Why Subrosource?

  • Largest non-carrier subrogation analytics driven platform with 1,200 users
  • $1.5B processed annually, several multi-nation carriers, two of the top five US PL carriers
  • Connected to 300+ vendors, attorneys and carriers
  • 50,000+ arbitrations filed annually
  • Deployed globally, with multi-language and multi-currency capability
  • Minimal or no IT effort involved. Easy to integrate with multiple claim systems, or can be used as a standalone
Brad Burdick Sandeep Juneja Mark Bernacki
Brad Burdick
SVP, Head of Insurance Platform Services

Brad leads EXL’s Insurance Platform Services business unit with overall responsibility for delivering solutions and services to meet our insurance clients’ needs. With over 30 years of experience in technology, strategy, and operations, Brad’s focus is on combining technology and services to deliver distinctive capabilities. Brad has over 15 years of Insurance industry experience combined with a rich technology and operations background. Brad joined EXL in 2011 as a part if the acquisition of The Hartford Insurance Group subsidiary, Trumbull Services, of which he was the President.

Sandeep Juneja
Vice President - Insurance Platform Services (P&C)

Sandeep Juneja is Vice President with P&C Insurance Platform Services at EXL. He has spent over 22 years in the field of Insurance & Financial services outsourcing, Transformation, Operations Management and M&A. Sandeep has led large projects combining Technology, Operations and Analytics to deliver value for clients across North America and APAC. He has complete his bachelors in Accounting and Masters in Financial Management and International Finance.

Mark Bernacki
AVP, Subrogation

Mark Bernacki leads the subrogation business at EXL with responsibility for operations and the Subrosource® platform. In previous roles within EXL over the past seventeen years, he has owned recovery responsibilities in the Business Intelligence, Operations, and Technology businesses. He was responsible for recovery work including Auto, Property, and Workers Compensation Subrogation and Arbitration, Uninsured Motorist, Salvage, and Overpayments. Bernacki majored in Business Management and minored in Computer Information Systems and Italian at Roger Williams University in Bristol, RI.