Whitepapers | Tinubu

Why generic claims systems fail Surety

Written by Tinubu | Sep 21, 2026, 8:02:02 AM

Surety claims are not like auto or property claims, yet most carriers still run them on systems built for exactly that kind of loss. A Surety claim carries three-party obligations instead of a two-party loss, a long judgment-driven investigation instead of a quick assessment, and legal, financial and project oversight that all have to move together. Generic claims platforms were never built to hold that together, and the gap costs the US market up to $2.5B a year in claim-related expense.

What's inside

  • Why legacy claims systems fall short on indemnity and bond structures
  • The operational risks carriers underestimate in pre-claim investigation and multi-party coordination
  • What purpose-built Surety claims software must include, from takeover and recovery to underwriting visibility
  • How automation improves control, visibility and confidence across the claim lifecycle
  • Where high financial exposure meets limited system support, and what that means day to day

Who it's for: Surety claims and operations leaders still running claims on generic platforms and manual workarounds.