Turn approved claim items into compliant replacement options, supplier orders, delivery tracking and warranty records — through one governed commerce layer.
Insurers can triage claims, collect evidence and approve replacement outcomes. The operational friction starts after approval — sourcing, live availability, offers, supplier orders, delivery, warranty proof and exception loops.
Like-for-like is more than keyword search. It needs category rules, equivalence logic, betterment constraints and customer-visible explanations.
Each retailer has different business accounts, portals, PO rules, delivery support, invoice formats, refund paths and warranty processes.
Out-of-stock, substituted SKUs, delivery failures, damaged goods, customer re-selection and warranty claims all need governed loops.
A single governed pipeline connects insurer decision to supplier delivery — with audit at every hop.
Item brief, policy constraints, budget, postcode, preferred supplier panel and customer requirements.
Ranked options with equivalence rationale, price, availability, delivery ETA, confidence and expiry.
Insurer, handler, customer workspace or client agent selects and supplies a PO or approval reference.
Submitted through the best rail: partner API, punchout/EDI, business portal, structured order or managed procurement.
Normalised order events, delivery status, warranty passport, RMA and refund loops return to the client system.
Compose the modules you need. Every module emits normalized events and writes to the same audit trail.
Discover matching products, comparable SKUs, pricing signals, availability and supplier coverage across approved sources.
Create versioned offers, refresh price and availability, handle customer re-selection and generate compliant counter-offers.
Convert insurer approval into supplier orders with idempotency keys, PO references, delivery details and confirmation tracking.
Track dispatch, partial shipments, failed delivery, lost orders, damaged goods, wrong items and address changes.
Structured proof-of-supply: product, order, serial, delivery and support metadata — issued at fulfilment.
Coordinate retailer / manufacturer RMA, replacement reorder, return pickup, refund credits and reconciliation.
Same governed core. Four ways to consume it.
REST/JSON endpoints and webhooks for replacement requests, offers, orders, tracking and warranty/RMA events.
Expose the same capabilities as tools to a client claims agent. Every tool call resolves to auditable workflow events.
Manage suppliers, business accounts, rules, contracts, order exceptions, warranty policies and retailer health.
Our operations layer owns supplier execution, exception handling and warranty/RMA loops where you don't want to build them.
We would prioritise supplier onboarding against eligible claim volume and category mix — then deepen execution rails behind one stable commerce API.
Strong in phones, computers, hardware, tools, flooring, bikes and jewellery. Single corporate relationship unlocks most of the near-term coverage.
Closes appliances, furniture, TVs, optical and hearing gaps. Biggest single jump in modelled claim-volume coverage.
Minimal extra coverage — strategic value is price competition on high-volume categories already served by Groups 1–2.
Niche categories referred to specialist suppliers. About 3% of volume, but critical for closing the long tail.
Source: Retailer Engagement Strategy v1.2. Figures are modelled coverage estimates and should be validated against the insurer's live claim mix.
Insurer retains claim decisioning. Phenix owns commerce execution — with a typed audit trail on every hop.
Supplier orders are generated as commit proposals with idempotency, authority checks and audit events.
Options are evaluated against like-for-like, budget, betterment, customer preference and delivery rules.
Suppliers may propose alternatives, but formal counter-offers must be evaluated and approved before dispatch.
Every candidate, offer, price, availability signal and exception is tied to source evidence and timestamps.
Supplier health, exception queues, offer versions, PO status, warranty passports and audit — in a single operations cockpit.
Start with sourcing, add order execution, or hand us the whole commerce loop.
Sourcing and ranked replacement options. Keep your own customer workflow and supplier execution.
Sourcing plus supplier order submission, confirmation and basic tracking.
We own the full commerce loop: sourcing, offers, orders, exceptions, warranty passport and RMA.
Pilot the service with selected categories, approved suppliers and defined rules. Measure match rate, cycle time, fulfilment success, exception rate and handler effort reduction.