Insurance
Automate claims, underwriting, and policy servicing with agentic AI that pays faster, prices smarter, and detects fraud — with full auditability.
Insurers are squeezed between rising loss ratios, slow manual processes, and customers who expect instant service. We build AI systems that triage and adjudicate claims, extract and assess underwriting risk from submissions, detect fraud patterns, and answer policyholder questions instantly. Each workflow keeps adjusters and underwriters in control of consequential calls while removing the manual toil that drives cost and delay.
Problems we solve
The operational bottlenecks that hold enterprises back — and where AI delivers measurable impact.
Claims processing is slow and manual
Adjusters key data from FNOL forms, photos, and documents by hand. Cycle times stretch into weeks, satisfaction drops, and leakage grows.
Underwriting drowns in unstructured submissions
Underwriters manually read broker submissions, loss runs, and applications, so throughput is capped and risk selection is inconsistent.
Fraud slips through and leakage adds up
Legacy rules miss sophisticated fraud and flood teams with false positives, while genuine leakage from over-payment goes unnoticed.
Policy servicing ties up expensive staff
Coverage questions, endorsements, and certificate requests flood contact centers, and answers depend on hard-to-find policy language.
What we build
Production-grade capabilities, engineered for enterprise scale, security, and reliability.
Claims triage and adjudication
Agents ingest FNOL, extract facts from documents and photos, assess severity and coverage, and fast-track straightforward claims while routing complex ones to adjusters.
Underwriting submission intelligence
AI reads broker submissions and loss runs, structures the data, flags risk factors against appetite and guidelines, and prepares the file so underwriters decide faster.
Fraud and leakage detection
Models surface suspicious patterns across claims and prioritize investigations, while checks catch over-payment and coverage errors before funds go out.
Damage assessment from images
Vision models estimate damage from claimant photos to support faster, more consistent property and auto estimates, with adjuster confirmation.
Policyholder and agent assistants
A RAG assistant answers coverage, billing, and endorsement questions grounded in actual policy language, with citations, for policyholders and agents.
Compliant, auditable workflows
Systems run inside your compliance boundary with full logging, state-specific rule handling, and human oversight on adverse decisions.
Why it matters
- Straight-through claims paid in minutes
- Higher underwriting throughput and consistency
- Reduced claims leakage and fraud loss
- Faster, more accurate damage estimates
- Instant, policy-grounded servicing answers
- Audit trail on every claim and decision
Implementation roadmap
Discovery & compliance scoping
We select a line of business, map claims or underwriting data and state-specific rules, and agree accuracy and human-oversight standards with your compliance team.
Pilot on one line
We integrate with your policy admin and claims systems (Guidewire, Duck Creek, or Sapiens), deploy on a bounded segment with adjuster review, and validate against closed claims.
Production rollout
We enable straight-through processing on low-risk cases, wire audit logging, and deploy under SLA as accuracy and leakage metrics clear the bar.
Scale across lines
We expand to additional lines and workflows — servicing, subrogation, renewals — and hand over monitoring so your teams operate and extend the system.
Common questions
Only clearly valid, low-value claims are straight-through processed once you approve the thresholds. Complex claims and any adverse decision are routed to a licensed adjuster, and every action is logged for audit and regulatory review.
Yes. We integrate with Guidewire, Duck Creek, Sapiens, and similar platforms through their APIs and integration frameworks, adding AI on top of your existing systems of record.
Jurisdiction-specific rules and required disclosures are codified into the workflow, so the system applies the correct handling per state and produces the documentation regulators and market-conduct exams expect.
Vision estimates are used to support and speed adjuster judgment, not replace it. We validate against historical claims and hold estimates to an agreed accuracy band, with adjuster confirmation before payment.
Inside your cloud tenant or VPC within your required data-residency region, with encryption, access controls, and no use of customer data to train third-party models.