With the insurance industry, one moment of impact-whether it's two vans, two workers or two ships-can initiate a lengthy reporting trail weighed down by paper handling and delays. The first notice of loss, which carriers receive from agents by phone, fax, or Internet, starts the trail.

The St. Paul Cos., with 2001 revenues of nearly $9 billion, recognized the efficiencies that automating the receipt of first notice of loss could bring. The company writes commercial coverage for property and liability insurance and non-life reinsurance globally.

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