Protect program margins
Spot deteriorating loss ratios and focus attention on the contracts and cost drivers that need action.
SERVICE CONTRACTS INTELLIGENCE
More profitable contracts. Less spreadsheet work.
Turn contract, claims, and service data into better pricing, stronger product design, and ongoing visibility into profitability with Circuitry.ai’s AI-powered service contract intelligence.
For service contract executives, product managers, and claims leaders.
Contract performanceILLUSTRATIVE
Incurred loss ratio68.4%Target: 65.0%
Earned contract revenue$10.0MSame cohort · same period
See margin pressure earlierLoss ratio by quarter
From signal to decision
Pinpoint the coverage, product, and repair costs behind a changing loss ratio.
One connected viewData fabric + AI + Power BI
Spend less time on spreadsheets
Reduce recurring data extraction, reconciliation, and report preparation across teams.
Design better contract products
Use cost and risk insights to refine coverage, deductibles, contract terms, and pricing.
UNDERSTAND PERFORMANCE
Know which contracts earn their keep.
Move from portfolio averages to the segments that explain them. Monitor actual results, compare them with expectations, and investigate the drivers of profitability.
Where is the risk concentrated?
Incurred loss ratio · illustrative data
Blue: at or below target. Amber: above target. Dashed line: 65%.
Incurred loss ratio = incurred claims cost ÷ earned contract revenue. In this example: $6.84M ÷ $10.00M = 68.4%. Incurred cost includes paid claims and applicable reserves.
Find the cost drivers
Separate claim frequency from claim severity. Analyze parts, labor, diagnostics, inspections, and other covered service costs.
Compare like with like
Explore coverage, product category, model, age, usage, geography, dealer, sales channel, contract term, deductible, and issue-year cohort.
Keep the economics in context
Compare actual and forecast costs, earned revenue, and remaining contract exposure. Review loss ratios alongside commissions, administration costs, and contribution margin.
ALWAYS READY FOR THE NEXT REVIEW
Make performance monitoring a continuous habit.
Replace repeated spreadsheet assembly with a reusable, governed view of your service contract business. Refresh at the cadence your data supports and bring emerging issues into focus.
- Track actual versus expected loss ratios and service costs over time.
- Surface unusual changes in claim frequency, repair severity, and segment performance.
- Generate AI-assisted explanations and management summaries linked to supporting data.
- Route material changes to the right team for investigation, approval, and follow-through.
FROM ANALYSIS TO ACTION
“Why is our comprehensive coverage loss ratio above target?”
- 1Locate the change
Compare cohorts, products, and coverage to isolate the deterioration.
- 2Explain the drivers
Distinguish higher repair frequency from rising parts and labor costs.
- 3Evaluate a response
Model pricing or coverage changes and assign an owner to review the evidence.
AI helps your team investigate. Your team controls the decision.
PRICE FOR THE FULL CONTRACT LIFECYCLE
Design the product. Understand the economics.
Use AI-powered cost forecasts and scenario analysis to evaluate program pricing before you commit. See how coverage, asset risk, service inflation, and contract duration can affect future profitability.
Forecast the cost to serve
Estimate lifetime claim frequency and severity by segment, with explicit assumptions and uncertainty.
Compare product choices
Evaluate coverage limits, deductibles, waiting periods, term lengths, and service networks.
Put business teams in control
Compare alternatives against target margins and loss ratios; review and approve changes before release.
What does your target margin require?
Try an illustrative contract pricing scenario.
Include commissions, administration, and other program costs as dollar amounts.
5%40%
Required revenue per contract$1,000
Implied lifetime claims cost / revenue: 68.0%
Illustration only. Revenue = (expected claims cost + other costs) ÷ (1 − target margin). This simple scenario excludes tax and investment income, assumes fixed dollar costs, and is not a quote or an actuarial forecast.
A STRONG DATA FOUNDATION
Connected data. Clear intelligence. Better decisions.
Circuitry.ai brings a strong data fabric together with AI-powered analytics and Power BI visualization, so teams can work from a consistent view of contract performance.
01
Connect
Contracts, claims, payments, finance, service, and product data.
02
Unify
Data fabric aligns entities, definitions, lineage, and refresh rules.
03
Analyze
AI finds cost drivers, forecasts risk, and explains changes.
04
Decide
Power BI views and guided analysis inform approved business actions.
Built around business trust. Trace metrics to source records. Apply role-based access, reconcile key totals, and monitor data quality. Configure definitions and refresh cadence to your business.
ONE FOUNDATION. EVERY DECISION-MAKER.
Give each team a view it can act on.
Service contract executives
Protect portfolio economics, prioritize at-risk programs, and evaluate growth with margin discipline.
Where should we grow—and where should we intervene?
Product managers
Design and price coverage using actual experience, expected costs, and scenario comparisons.
Which combination of coverage, term, and price works best?
Claims operations leaders
Understand repair cost drivers, investigate outliers, and feed claim experience back into product decisions.
What is driving cost—and what can we change?
YOUR QUESTIONS, ANSWERED
A clearer path to service contract intelligence.
What is Service Contracts Intelligence?
Circuitry.ai Service Contracts Intelligence uses connected data, AI-powered analytics, and Power BI to help teams analyze profitability, monitor loss ratios, understand cost drivers, and improve service contract pricing and product design.
How is loss ratio different from profitability?
Loss ratio compares claims cost with the relevant contract revenue basis. Profitability also depends on commissions, administration, and other expenses. Use consistent periods and cohorts, distinguish paid from incurred claims, and account for contract maturity before comparing results.
Can we use data from our current systems?
Yes. Scope the required connections to contract administration, claims, ERP, finance, and service systems. The data fabric provides a shared analytical foundation; source coverage and refresh frequency depend on your integrations and data availability.
How does AI help beyond a traditional dashboard?
AI can help classify claims and repair narratives, identify patterns, explain changes, and support cost forecasting and scenario analysis. Power BI makes the resulting metrics accessible. Forecast quality depends on data coverage, maturity, and validation against actual outcomes.
How do we start?
Start with a priority program and agreed definitions for revenue, claims cost, loss ratio, and margin. Connect and reconcile the data, establish a baseline, validate insights with your team, and expand ongoing monitoring as value is demonstrated.
BETTER SERVICE DECISIONS. BETTER SERVICE OUTCOMES.
Put intelligence behind every service contract.
See how Circuitry.ai can help your team improve margins, monitor loss ratios, and spend more time on decisions that grow your business.
See your next decision more clearly.
Explore your priority programs, data sources, and pricing questions with our team.
Request a demoBuilt around your data. Focused on your business outcomes.