eSignature for Insurance Claims: Settle Faster, Reduce Costs, and Eliminate Paperwork

Accelerate Claim Cycles

Finalize documents in minutes that used to take days or weeks. Send a signing request via email or SMS and get an instant notification the moment it's signed, dramatically reducing your claim lifecycle and improving cash flow.

Drastically Cut Costs

Eliminate the direct costs of paper, ink, printing, postage, and overnight couriers. Free up your adjusters and administrative staff from manual tasks like printing, scanning, and filing, allowing them to focus on higher-value work.

Enhance Claimant Experience

Provide a simple, modern, and convenient signing process that claimants can complete on any device, anywhere. No downloads or complex instructions. A better experience leads to higher satisfaction and retention.

Ironclad Legal & Compliance

Our eSignatures are legally binding under the ESIGN Act and UETA. We provide a comprehensive, court-admissible audit trail for every document, detailing all signer actions, timestamps, and IP addresses for ultimate defensibility.

Built for HIPAA & GDPR

Handle Protected Health Information (PHI) with confidence. eSignly is HIPAA and SOC 2 Type II compliant, with features like multi-factor authentication and encrypted storage to ensure you meet strict data privacy regulations.

Seamless API Integration

Embed eSignature functionality directly into your Claims Management System (CMS), Guidewire, or other core platforms. Our robust REST API and developer support make integration fast and straightforward.

Complete Document Tracking

Gain real-time visibility into your document workflows. See who has opened, viewed, and signed your documents from a central dashboard. Eliminate the black hole of mailed paperwork and follow up proactively.

Mobile-First for Field Adjusters

Empower your field adjusters to get documents signed on the spot. Using a tablet or smartphone, they can conduct in-person signing for damage reports, release forms, and other critical documents, right at the scene.

Scales with Your Volume

Whether you handle a hundred claims a month or tens of thousands, our platform scales to meet your needs. From a single agency to a multi-national carrier, eSignly provides reliable, enterprise-grade performance.

First Notice of Loss (FNOL) & Intake Forms

Immediately capture critical information and authorizations from claimants the moment a claim is reported. Send a link to a digital form package they can complete and sign on their phone, eliminating data entry errors and delays from the very first step.

• Capture accurate data from day one
• Reduce manual data entry for your team
• Set a positive, efficient tone for the entire claims process

Proof of Loss Statements

Securely send and receive sworn Proof of Loss statements without relying on mail or notaries. Claimants can complete, attest to, and sign the document digitally, with a full audit trail to support the submission's integrity.

• Accelerate a critical and often-delayed step
• Ensure forms are completed correctly with required fields
• Maintain a clear, auditable record of submission

HIPAA-Compliant Medical Authorizations

Obtain consent to access medical records quickly and in full compliance with HIPAA. Our secure platform ensures Protected Health Information (PHI) is handled correctly, with options for advanced signer authentication to verify identity.

• Avoid costly HIPAA compliance violations
• Gain access to necessary medical records faster
• Provide claimants with a secure, private way to grant consent

Recorded Statement Authorizations

Get documented, signed consent before conducting a recorded statement. Send a simple authorization form for immediate signature, creating a clear, time-stamped record of permission that protects all parties.

• Eliminate verbal consent ambiguity
• Create a permanent, auditable record of authorization
• Proceed with interviews and investigations without delay

Settlement and Release Agreements

Finalize claims and issue payments faster by digitizing the final settlement agreement. Send the release for signature and receive the executed document back in minutes, allowing you to close the file and process payment immediately.

• Drastically reduce claim closure time
• Eliminate the risk of lost-in-the-mail agreements
• Improve claimant satisfaction with prompt payment

Denial of Claim Letters

Send official denial of claim letters and obtain signed acknowledgment of receipt when required. This creates a definitive record that the claimant received the notification, which can be critical in potential disputes.

• Create a verifiable record of notification delivery
• Manage compliance requirements for claim denials
• Track receipt without relying on certified mail

Subrogation Demand Packages

Efficiently compile and send subrogation demands to third parties, complete with supporting documents that require acknowledgment or signature. Track receipt and response digitally to streamline the recovery process.

• Accelerate the subrogation and recovery timeline
• Organize and transmit complex document packages easily
• Maintain a clear record of all communications

Policy Endorsement & Change Forms

When a claim leads to a policy change, get required endorsements signed instantly. Whether it's adding a new driver after an auto claim or updating coverage details, secure a binding signature without paper.

• Ensure policy changes are documented and legally binding
• Provide a convenient service for policyholders
• Keep policy records accurate and up-to-date

Affidavits and Sworn Statements

Capture legally valid affidavits and sworn statements digitally. Our platform provides a strong audit trail that, combined with identity verification methods, offers a modern alternative to traditional notarization for many use cases.

• Capture witness or claimant statements remotely
• Reduce reliance on in-person notary services
• Build a strong, evidence-backed claim file

Bulk Sending for Mass Torts or Catastrophes

When a single event affects hundreds or thousands of policyholders, use our bulk sending feature to distribute communications, forms, or agreements to all of them at once. Manage the entire process from a single dashboard.

• Communicate with large groups efficiently
• Standardize the documentation process in mass-claim events
• Track responses from thousands of recipients in real time

In-Person Signing for Field Adjusters

Empower your field team to capture signatures on-site using a tablet or mobile device. Perfect for property damage assessments, auto claim inspections, or any scenario where an immediate, in-person signature is needed.

• Finalize paperwork at the first point of contact
• Eliminate the need for follow-up mailings
• Improve the productivity of your field team

eSignature API for CMS & Guidewire Integration

Go beyond simple sending and deeply embed eSignature workflows into your core systems. Our developer-friendly REST API allows you to trigger signature requests, pre-fill data, and receive completed documents without ever leaving your platform.

• Create fully automated, end-to-end digital workflows
• Reduce manual work and potential for human error
• Leverage your existing technology investments

Reusable Template Management

Create a library of your standard claims documents—release forms, medical authorizations, etc. Ensure your team always uses the most current, compliant version, and pre-set signer roles and fields to save time and reduce errors.

• Ensure consistency and compliance across all claims
• Reduce document setup time to seconds
• Easily update forms enterprise-wide

Advanced Signer Authentication (KBA/ID)

For high-value claims or sensitive documents, add another layer of security. Verify a signer's identity using Knowledge-Based Authentication (questions from public records) or by having them scan a government-issued ID.

• Mitigate fraud risk in remote transactions
• Meet heightened security requirements for specific claims
• Provide stronger proof of identity than a simple signature

Comprehensive Audit & Compliance Reporting

Access detailed, court-admissible audit trails for every document. Our logs capture every event—from sending to signing—with timestamps and IP addresses. Generate compliance reports on demand for internal or external audits.

• Pass audits with ease and confidence
• Provide undeniable proof of your process integrity
• Resolve disputes quickly with factual evidence

HIPAA Compliance

Essential for handling any document containing Protected Health Information (PHI), such as medical authorization forms.

SOC 2 Type II

Independently audited proof of our commitment to security, availability, processing integrity, confidentiality, and privacy.

ISO 27001

An international standard for managing information security, demonstrating a systematic approach to protecting company and customer data.

GDPR Compliance

Critical for serving claimants in the European Union and ensuring their data privacy rights are protected.

ESIGN & UETA Acts

The legal foundation in the U.S. that makes our electronic signatures legally binding and enforceable for insurance contracts.

REST API

The modern, flexible standard for integrating eSignly into your custom Claims Management Systems and other core applications.

256-bit AES Encryption

Bank-level encryption that protects all documents and data both in transit and at rest, preventing unauthorized access.

OAuth 2.0 / SAML

Standards for secure authentication, allowing your team to log in to eSignly using your company's single sign-on (SSO) solution.

Knowledge-Based Authentication (KBA)

An advanced signer identification method that asks out-of-wallet questions to verify identity for high-value claims.

Government ID Verification

The highest level of identity assurance, requiring signers to scan their government-issued ID for automated verification.

Tamper-Evident Sealing

A digital seal applied to every completed document, ensuring that any subsequent alteration or tampering is immediately detectable.

Cloud Scalability (AWS)

Our infrastructure is built on AWS, ensuring high availability, performance, and the ability to handle massive volume spikes, such as during catastrophic events.

Data Residency Options

Ability to store data in specific geographic regions (e.g., USA, EU, Australia) to meet data sovereignty and regulatory requirements.

PDF & Microsoft Office Compatibility

Full support for the document formats you already use, including PDF, Word, and Excel, for seamless uploading and preparation.

Responsive Mobile Design

Ensures a flawless signing experience on any device, which is critical as a majority of claimants will open documents on their smartphones.

1. Prepare & Send

Upload your claim document (PDF, Word) or use a pre-built template. Add signer fields, specify the authentication level, and send the request via email or SMS directly from the eSignly platform or your integrated CMS.

2. Claimant Signs on Any Device

The claimant clicks a secure link in the message—no app or login required. They are guided through the document to complete any necessary fields and apply their legally binding eSignature from their phone, tablet, or computer.

3. Secure & Audit

Instantly, all parties receive a copy of the executed agreement. A detailed, tamper-proof audit trail is automatically generated and permanently stored with the document, giving you a complete record for compliance and legal proof.

Is an electronic signature as legally valid as a handwritten one for an insurance contract?

Yes. In the United States, the Electronic Signatures in Global and National Commerce (ESIGN) Act of 2000 and the Uniform Electronic Transactions Act (UETA) grant electronic signatures the same legal status as traditional wet ink signatures. eSignly's process is designed to meet and exceed these legal standards.

What happens if a claimant disputes their signature?

This is where our comprehensive audit trail becomes critical. For every document, we provide a detailed, court-admissible certificate that records every action taken: when the document was sent, when it was viewed, the IP address of the signer, and the exact time the signature was applied. This provides powerful, objective evidence to resolve disputes.

Can we use eSignly for documents that contain Protected Health Information (PHI)?

Yes. eSignly is a HIPAA-compliant solution. We offer all the necessary security features, including access controls, encryption, and audit trails, and we are willing to sign a Business Associate Agreement (BAA) to help you meet your compliance obligations.

How does eSignly integrate with a system like Guidewire or other claims management platforms?

Our primary integration method is through our flexible REST API. Your development team can use our API to build custom workflows that trigger signature requests, pre-fill documents with data from your CMS, and automatically retrieve the signed documents. This creates a seamless, automated process for your team.

Do my claimants need to pay, install software, or create an account to sign?

No. The signing experience is 100% free and frictionless for the claimant. They do not need to pay, install any apps, or sign up for an eSignly account. They simply click a link and sign on their preferred device's web browser.

Can I have multiple people sign the same claim document?

Absolutely. You can easily set up complex signing workflows, specifying the order in which multiple parties need to sign. This is perfect for settlement agreements that require signatures from the claimant, their attorney, and a representative from your company.

How does your pricing model work as we scale our claim volume?

Our pricing is built to scale with your business. We offer volume-based discounts for high-frequency users, ensuring that as your efficiency increases, your cost per document decreases. We prioritize transparent, predictable costs over complex, hidden fees.

What options do we have for high-stakes identity verification?

For sensitive or high-value claims, you can mandate advanced authentication methods. This includes Knowledge-Based Authentication (KBA) and Government ID verification, ensuring you have the highest level of assurance before finalizing a transaction.

What does the implementation timeline look like for a mid-sized insurance firm?

Speed is our priority. Most teams are up and running with our web dashboard in less than an hour. For API integrations with your CMS, our clear documentation and developer support allow your team to go live in days, not months.

We operate internationally; can we control where our data is stored?

Yes. We offer data residency options that allow you to store documents and signature data in specific regions, such as the US, EU, or Australia, ensuring you remain compliant with local data sovereignty laws and regulations like GDPR.

Can field adjusters work with documents if they have intermittent connectivity?

Yes. Our mobile-optimized interface is built to handle network fluctuations. Documents can be prepared for in-person signing, and our platform gracefully manages the sync process once the connection is re-established, ensuring the workflow is never lost.

What level of support is included with your enterprise plans?

Enterprise clients receive dedicated account management, priority technical support, and onboarding assistance. We are committed to your success, providing a direct line to our experts to help you optimize your workflows and scale your operations.

Can we automate reminders to reduce follow-up work?

Yes. You can configure automatic, intelligent reminder emails to be sent to signers who have not completed their documents. This reduces the manual administrative burden on your staff and significantly increases document completion rates.

How does the tamper-evident technology work?

Once a document is signed, we apply a cryptographic hash and a digital seal. If anyone attempts to modify the document after it has been signed, the seal breaks, and the document is marked as invalid. This ensures the integrity of your claim files at all times.

AI-Powered Data Extraction

Imagine a future where completed FNOL or Proof of Loss forms automatically populate your claims system. Our AI will read and extract data from signed documents, eliminating manual entry, reducing errors, and saving hundreds of hours.

Compliance Anomaly Detection

Our platform will proactively flag potential compliance issues. For example, AI agents will be able to identify if a required signature is missing from a package of documents or if a form version is outdated before it causes an audit failure.

Predictive Workflow Optimization

By analyzing thousands of document cycles, our AI will suggest workflow improvements. It might recommend a different authentication method for a specific claim type that has a high fraud rate, or suggest simplifying a form that consistently causes delays.

SOC 2 TYPE II

ISO 27001

HIPAA

GDPR

PCI DSS

21 CFR Part 11

eSignly SaaS Plans (Professional, Business, Enterprise)

Ideal for: Independent agencies, mid-sized carriers, and large enterprises looking for a ready-to-use, web-based platform.

Includes:

• User-friendly dashboard for sending and tracking documents
• Reusable templates
• Comprehensive audit trails
• Team management features (Business/Enterprise)
• Advanced security and compliance options (Enterprise)

eSignly API Plans

Ideal for: Insurers and Insurtech companies with in-house development teams who want to embed eSignature functionality directly into their own applications (CMS, agent portals, etc.).

Includes:

• Full access to our modern REST API
• Comprehensive developer documentation and SDKs
• Sandbox environment for testing
• Dedicated API support
• High-volume, scalable infrastructure with uptime SLA

"The impact on our cycle times was immediate and profound. We're closing claims faster, which has a direct effect on our loss adjustment expenses. The platform is intuitive for both our adjusters and our claimants."

"The API integration was surprisingly straightforward. Their documentation is excellent, and the developer support team helped us solve a unique workflow challenge quickly. It’s now a core, reliable part of our tech stack."

"eSignly delivered a clear ROI within six months. The savings on postage, paper, and storage were significant, but the real value came from reallocating our administrative staff to more productive, customer-facing roles."

"Using eSignly on my tablet in the field is a massive advantage. I can get property release forms and even initial statements signed on the spot. No more 'I'll mail it back to you.' It helps me close my files and get paid faster."

"The audit trail is everything. In an audit, I can pull up any document and show a complete, irrefutable history of who signed it, when, and how their identity was verified. It gives us a level of defensibility that paper never could."

"For a small agency, eSignly makes us look incredibly professional. Our clients love the convenience, and it saves my team countless hours. It’s one of the best technology investments we’ve ever made."