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AI for Insurance

Your adjusters should be adjusting.
Your underwriters should be underwriting.

We use AI to remove the administrative work surrounding claims, underwriting, servicing, and operations, while keeping important decisions with the people responsible for making them.

Assess an insurance workflow
One claim, prepared for the adjuster

Arrives as

  • Email
  • Broker submission
  • PDF
  • Scanned form
  • Portal upload

Claim file

Prepared with AIReady for review

  1. Documents extractedLoss notice, photos, invoice
  2. Policy foundCommercial property · in force
  3. Missing informationRepair estimate · request drafted
  4. ClassifiedProperty damage
  5. RoutedProperty adjuster queue

Automation stops here

The decision

Coverage

Made by the adjuster, with the file already prepared.

AdjusterDecision pending

The operational drag

Too much insurance work happens before the real decision starts.

Experienced staff can’t begin the real work until the file is ready. That is the layer we automate.

Stacks of paper files and folders in an office

Before the decision

  • Reviewing documents
  • Finding policies
  • Checking completeness
  • Entering data
  • Routing files

The layer we automate

The actual decision

Judgment.

Stays with your people

Where AI fits

Three desks.
The same drag.

Every item here prepares work for a person. None of them makes the call.

01Claims

  • FNOL intake
  • Document extraction
  • Missing-information checks
  • Policy lookup
  • Claim summaries
  • Routing and escalation

02Underwriting

  • Submission intake
  • Application extraction
  • Document review
  • Research
  • Risk-file preparation
  • Renewal support

03Policy servicing

  • Broker requests
  • Policy lookups
  • Document handling
  • Service routing
  • Renewal preparation

Operating principle

AI prepares the decision.
People make the decision.

Rules, permissions, confidence thresholds, and human review define where automation stops.

AI prepares

  • Extract
  • Look up
  • Check
  • Summarize
  • Route

Where automation stops

  1. Rules
  2. Permissions
  3. Confidence thresholds
  4. Human review

People decide

  • Coverage
  • Underwriting
  • Anything unusual

What this looks like in practice

The system handled
the preparation.
The adjuster kept
the coverage decision.

Anonymized engagementCommercial insurer

Before

A commercial insurer was receiving claims through email, broker submissions, PDFs, scanned forms, and portal uploads. Staff manually reviewed each submission, identified the policy, checked what was missing, entered information into the claims system, and routed the file to the right adjuster.

Redesigned workflow

  1. Incoming claim
  2. Extraction
  3. Policy lookup
  4. Completeness check
  5. Classification
  6. Human review
  7. Claims system

Specific client and commercial details withheld under NDA.

Trust & controls

Built for
the exceptions.

The routine path is easy. Choose an exception to see where the file stops and who picks it up.

Missing documents

  1. DetectedRepair estimate not attached
  2. HeldBefore the claims system
  3. Goes toClaims handler

A request for the missing document is drafted. A handler checks it and sends it.

Contradictory information

  1. DetectedTwo different loss dates
  2. HeldBefore classification
  3. Goes toClaims handler

Both versions are shown side by side, with their sources. A person decides which is right.

Policy mismatches

  1. DetectedInsured name differs from policy
  2. HeldBefore policy match
  3. Goes toServicing team

Nothing is matched automatically. The file goes to a person with the candidate policies.

Unusual claim types

  1. DetectedNo standard category fits
  2. HeldBefore routing
  3. Goes toSenior adjuster

Classification is left open rather than guessed. An experienced adjuster takes it from there.

Low-confidence results

  1. DetectedHandwritten field below threshold
  2. HeldBefore data entry
  3. Goes toClaims handler

Uncertain fields are flagged for a person to check instead of being entered as fact.

Sensitive actions

  1. DetectedAnything that commits the insurer
  2. HeldAlways
  3. Goes toAuthorized person

Decisions and customer commitments need human approval. The system prepares; it does not decide.

Thresholds, owners, and routes are set with your team.

Review AI ownership and controls

Your next move

Start with the workflow creating the most friction.

Claims. Underwriting. Servicing. Operations. Show us where the files pile up.

Tell us what’s slowing you down.

A few lines is enough. We’ll reply by email with what’s worth doing first.

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