For decades, subrogation has been measured by recoveries. Tomorrow, it will be measured by something much bigger: how consistently they improve.
The insurers that outperform the market over the next decade will not simply recover more. They will continuously improve how they identify opportunities, automate decisions, engage recovery partners, and optimize every stage of the recovery lifecycle.
That shift is already underway. EXL helps insurers lead it.
By combining decades of operational expertise with data-driven technology, agentic AI, and flexible delivery models, we help carriers recover more, lower the cost of recovery, and build sustainable competitive advantage through continuous performance improvement.
Real results
Proven at scale, across the globe.
Performance without a plateau
The future belongs to insurers that combine operational expertise with intelligent technology rather than treating them as separate strategies.
Our approach integrates data-driven technology, agentic AI, advanced analytics, and decades of subrogation experience into a continuously improving operating model that helps carriers increase recoveries while reducing the cost of recovery.
Whether your goal is transforming an entire operation, modernizing a single business line, or introducing AI into existing workflows, EXL provides a practical path to measurable business outcomes with less disruption and faster time to value.
Transformation is not a one-time event. It is a commitment to continuous performance improvement.
The market shift
EXL’s industry-leading recovery ecosystem
For years, insurers improved subrogation through better processes, experienced professionals, and smarter use of data. Those fundamentals still matter. But today’s environment demands something more.
Rising claim costs. Increasing operational pressure. New expectations for speed, productivity, and measurable business value have fundamentally changed what high-performing subrogation organizations must deliver.
Simply adding another technology platform will not solve those challenges. Neither will outsourcing yesterday’s processes.
The organizations pulling ahead are transforming how subrogation works — embedding intelligence throughout the recovery lifecycle and continuously improving performance as market conditions evolve.
Ready to build subrogation that
never stops improving?
Talk with EXL about a practical path to higher recoveries,
lower cost of recovery, and continuous performance improvement.