Linking claims and reserves

Logging claims is the first half. The value appears when each claim connects back to the risks, assets, and service areas it relates to, and when reserve movement is visible over time.

Linking a claim to a risk

From a claim, link it to the register entry it evidences. A recurring liability claim links to the operational risk it keeps proving. A property loss links to the asset and the exposure it represents.

The link works in both directions. The risk page shows its claims history. The claims view shows the risks behind a loss theme. Neither team needs to reconcile records manually.

What the link changes

• Risk owners see loss history on their risk, so review conversations start with evidence.
• The risk function sees which risks are generating actual losses, not just theoretical ones.
• Reporting can show loss themes by service area, which is the view renewal conversations need.

Reserves and exposure

Reserve amounts and deductibles sit on the claim, with coverage context such as the policy or program involved. Over time this gives you exposure by category: which service areas drive losses, and how reserve development trends.

Renewal timing

Policies and renewal dates sit alongside the exposure they protect. When renewal approaches, the relevant loss history and exposure picture is already assembled, rather than gathered in a scramble the week before.

Honesty about scope

RiskCurb connects claims context to risk work. Legal case management and insurance administration stay in their systems of record. The register gains context, and the claims team keeps their process.