Lexis Nexis C.L.U.E. setup

The Lexis Nexis’s C.L.U.E. (Comprehensive Loss Underwriting Exchange) is a valuable information source for property and casualty underwriters. C.L.U.E. furnishes insurance companies’ property and liability claims data, which is utilized in the evaluation of underwriting of property/casualty insurance.

The Lexis Nexis C.L.U.E. integration consists of two parts: contributing claim data and ordering reports. To order reports, you must contribute to the Lexis Nexis C.L.U.E. database.

Lexis Nexis setup

To set up Lexis Nexis in BriteCore:

  1. Contact Lexis Nexis
  2. BriteCore has a Third Party Processor Agreement with Lexis Nexis. This establishes a relationship between Lexis Nexis and IWS. BriteCore clients must complete client-specific documents provided by Lexis Nexis.
    1. Customer Side of the Insurance Information Third Party Processor Agreement Authorizing Third Party Processor Access document
    2. Enterprise Implementation Questionnaire document
  3. Provide the completed documents to BriteCore, who will email them to GlobalAllianceGroup.Insurance@lexisnexis.com
  4. Once approved, Lexis Nexis will create an account and provide credentials to you
  5. Set up your lines of business in BriteCore. Determine whether you will use some type of claim’s surcharge/credit.
  6. Familiarize yourself with BriteCore system tags

BriteCore setup

  1. In BriteCore, navigate to Settings > Vendors > Lexis Nexis C.L.U.E. Property (Loss History)
    1. Select the Box
    2. Select the Edit icon
    3. Enter account information
    4. Select the items you wish to remove from the Included Loss Causes for Claims-free discount.
      • Use Add/Remove to move loss causes among the Included / Excluded lists. All causes begin in the Included Loss Causes box. All causes will appear in alphabetical order even after they are transferred between boxes.
        • Loss causes in the Included list will be considered reasons to prevent discount
        • Those in the Excluded list will be ignored and allow the discount
  2. Navigate to Settings > System Wide > System Tags
    1. Select the Lexis Nexis BOP tag
    2. Select the Effective Date
    3. If applicable, select the BOP line of business to exclude BOP policies from being reported
    4. Select the Lexis Nexis CLUE tag
    5. Select the Effective Date
    6. Add System Tags
  3. In the settings database table, ensure the option= lexisnexis_ignore_bop=1
  4. Once the setup phase is complete with Lexis Nexis and BriteCore, test files will be sent/requested to ensure proper setup, referred to as the User Acceptance Test Cycle
  5. Customize C.L.U.E Filename
  6. By default, BriteCore names the claim data files clup_history_T_. A setting allows clients to customize the filename.

To enable:

  1. Login as Admin
  2. Navigate to Settings > Advanced
  3. Search: clue_file_prefix
  4. Change the name in Setting Value
    • BriteCore Processing
    • Month End
  5. At the beginning of a new month, navigate to Policies > Processing > Lexis Nexis
  6. Select Generate Monthly Report

    Note: If claim data exists to be reported, a file will generate for the previous month. If there is no reportable data for the month, no file will generate.

  7. Review the data by selecting the report link. The data will appear in a text file and follows the Lexis Nexis specifications.
  8. Select Send Monthly Report. When the file is successfully sent, the word Sent will appear after the file name. Files will remain in the queue indefinitely.

Adding a Claims Free Discount to a policy

In an existing policy where the Claims Free Discount applies, you must search and add the claims free discount.

Example: Excluded Loss Causes.

  1. An Excluded Loss Cause of Wind is applied in the Vendor pop up
  2. Navigate to a policy in the system which has the vendor-reported loss

    Ex: Policy has no claims-free discount currently applied
  3. Add the Claims Free Discount line item by selecting on the Add Line Items to Property +
  4. Search Claims and select the Claims Free Discount
  5. Claims Free Discount renewal line item is added and claimed items will select against the vendor list when you select Rate and Save

Configure a line item to adhere to loss-free rules

Given a discount line item that applies when no losses have been filed for a specified amount of time.

  1. Select your lines free discount in Lexis Nexis C.L.U.E.
  2. Go to a policy where the appropriate loss applies. Wind in this example.
  3. In the Builder tab, navigate to the Set Up > Options. Provide the information for the fields.Example: The specified amount of time has been set at 3 years.
  4. Follow the Chain Details with the accompanying Rate Categories that trigger off years since the last claim
  5. Search the content for claim_date to show the section that holds the date of the loss. Ensure this is at least the same number of years prior to the revision date as was specified by the line item’s configuration
    Example: Two claim Payment sections with distinct causes of loss.
  6. This detail will appear in the Claims Free Discount category reflecting the number of years since last claim

Excluded Loss Cause is removed

If an Excluded Loss Cause is removed in the Vendor portal pop up the cause is now considered by claims-free discounting. When a policy is selected during the renewal against the removed claims free discount, an error message will occur and the discount removed.

Example: Wind was Added back to Included Loss Causes.

Example: Error message displays when an Agent or Agency attempts to add a discount and the discount is excluded. The once included (wind) claim discount is now reported as zero and is reported as a claim.