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Simulators / ClaimsDesk
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ClaimsDesk

Insurance Underwriting & Claims Simulator

Learn practical insurance operations by doing it. Weigh real applicant risk factors into a pricing tier, route incoming claims to the queue they actually warrant, judge real claim summaries for fraud red flags, and compute loss ratio and reserve adequacy.

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Underwriting Scorer
Risk factors โ†’ pricing tier
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Claims Triage
Route to the right queue
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Fraud Flag Detector
Legit vs. fraud judgment
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Loss Ratio Calc
Financial health metrics

Built for

Small business owners assessing their own insurance decisions, and new graduates entering underwriting, claims, or insurance operations roles who want hands-on reps before the stakes are real.

Key features

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Underwriting Risk Scorer

Weigh real applicant risk factors and assign the right pricing tier, across five applicant scenarios.

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Claims Triage Queue

Route incoming claims to fast-track, standard review, or investigation based on real severity and fraud signals.

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Fraud Flag Detector

Judge a 12-card deck of real claim summaries as legitimate or fraudulent, and learn to spot the actual red flags.

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Loss Ratio & Reserve Calculator

Compute loss ratio and assess reserve adequacy โ€” the core financial health metrics behind any book of business.

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4-Track Academy

40 quiz questions across insurance basics, underwriting, claims handling, and fraud detection.

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Badges & Certificate

Earn Underwriting Analyst, Triage Specialist, Fraud Investigator, and Financial Analyst badges, then unlock a certificate at 100%.

Self-contained & risk-free

Completely self-contained sandbox โ€” no internet required when run locally.

Educational simulation only โ€” all applicants, claims, and policies are fictional and simulated locally. No real insurance data is ever used.

๐Ÿ“š Take-home practice

Every session pairs with a quick 15โ€“20 min real-world task that turns the simulator into a habit.

This week's challenge

Pull up your own auto, home, or renters insurance policy and find its deductible and coverage limit โ€” then explain in one sentence what each one actually protects you from.

Find your policy's deductible and limit
Spot a real-world fraud red flag in the news
Compute a simple loss ratio from two numbers

Ready to teach practical insurance operations?

ClaimsDesk is part of our Business & Workforce Track.

โฑ๏ธ Format: Self-paced online lab ๐Ÿ–ฅ๏ธ Access: Runs in any modern browser
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