Industries · Insurance
AI for insurance claims & underwriting
Insurance runs on documents and judgment: first notices of loss, photos, medical reports, broker submissions and policy wordings. AI agents can read and organize that material, apply your guidelines and prepare files for adjusters and underwriters.
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AI services for insurance
Where AI helps
AI use cases in insurance
We design every system so a person makes the final call on coverage, payment and pricing, and so each recommendation can be explained afterwards.
First notice of loss and triage
Capture claims from email, web forms or calls, extract the details, check coverage basics and route each claim by complexity.
Claims document review
Summarize medical reports, repair estimates and photos into a claim file, highlighting gaps and inconsistencies for the adjuster.
Underwriting submissions
Turn broker emails and attachments into structured submissions, check them against appetite and flag what is missing.
Fraud and anomaly signals
Score claims for patterns worth a closer look, so special investigation teams spend their time where it matters.
Policy servicing
Answer policyholder questions about coverage, documents and payments from approved policy wording, with handoff to service staff.
What we design for
Building AI for insurance
The constraints that shape every project in this industry.
Regulatory expectations for AI
Many US states have adopted the NAIC model bulletin on insurers’ use of AI, which expects written governance, documentation and testing for unfair outcomes. We build those records in from the start.
Explainable decisions
Recommendations come with the facts and guideline sections behind them, so adjusters and underwriters can explain a decision to a policyholder or regulator.
Fairness testing
Models that influence pricing, underwriting or claims are tested for unfair outcomes across groups before and after launch.
Core system integration
We work alongside policy administration and claims platforms through their APIs, without replacing your system of record.
Systems these projects typically involve
- Claims management systems
- Policy administration systems
- Guidewire
- Duck Creek
- Document management
- Broker email inboxes
- Telephony and chat
FAQ
AI in insurance: questions
Can AI approve or deny claims?
It can prepare a recommendation, but in the systems we build a person makes coverage and payment decisions. That keeps decisions explainable and meets most regulators’ expectations.
How do you handle the NAIC AI model bulletin?
We document each AI system’s purpose, data and controls, test for unfair outcomes and keep audit trails, which gives your compliance team the records the bulletin asks for. We work alongside your counsel on interpretation.
Can AI read handwritten forms and photos?
Often, yes. Vision models handle many handwritten forms and damage photos well. We test on your real documents early so you know the accuracy before relying on it.
Do we have to replace our claims system?
No. AI agents work alongside existing claims and policy systems through APIs or the tools your teams already use.
Free consultation
Talk to us about AI in insurance
Book a free 60-minute strategy session. We'll look at your workflows, check feasibility and recommend where to start.
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Want proof first? See our fixed-price AI agent pilot