AI in insurance that completes your claims files.

We build agents that read what policyholders send, from photos and repair estimates to police reports and invoices, fill the claim in your system, check it against the policy wording and ask for what is missing. Your handlers start from a complete file and keep every decision on cover and settlement.

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First notice of loss
Documents checked
Missing pieces requested

A man with a clipboard taking notes with a resident at her door

First agent usually live in 4 to 8 weeks

Where AI in insurance pays off first

AI in insurance pays off first on the paperwork that slows every claim: reading the documents that arrive by email or upload, filling the claim record, comparing the facts with the policy wording and listing what is missing. The agent prepares and explains. Whether a claim is covered, and for how much, stays with a licensed person.

Most of a handler’s day goes into files that are not ready: a missing estimate, an unreadable photo, a date that does not match the policy period. An agent that reads everything on arrival and asks the policyholder for the missing piece the same day changes the start of every file.

Brokers see the same work from the other side: a client’s claim to assemble, a carrier portal to fill, and follow-ups to track. The agent works in your own management system and your mailbox.

What claims teams say about their backlog

Claims files wait for weeks for the one document nobody asked for.
Mornings go into retyping what the policyholder already sent by email.
Checking a claim against the policy means opening several versions of the wording.
Policyholders call to ask where their claim stands, and nobody has a quick answer.
Every peak after a storm turns into overtime for the whole team.

Four places to start in claims and policy work

Each one runs inside your claims or broker management system, and each one leaves the decision with your team.

01
First notice of loss, read and filed
Emails, forms and attachments are read on arrival, the claim record is filled, and the policy is identified from what the policyholder wrote.
Document AI
02
Missing documents requested the same day
The agent compares what arrived with what this type of claim needs and drafts a precise request to the policyholder or the repairer.
AI agents
03
Answers from the policy wording
A handler asks “is water damage from a slow leak covered on this contract?” and gets the clause, quoted and linked, from the right version of the wording.
Knowledge assistant
04
Status updates without a phone call
Policyholders ask where their claim stands and get the status from your system, with a person taking over as soon as the question goes beyond it.
AI chatbots

AI in insurance across the life of a claim

At each stage of a claim, the agent prepares and a licensed person decides. That line stays in the same place from the first notice to the settlement.

AI in insurance: claim stages, what the agent prepares and what a licensed person decides
Claim stage	Prepared by the agent	Decided by a person
First notice of loss	The claim record filled from the email, the form and the attachments, and the policy identified	Whether the claim is opened as reported
Documents	What arrived compared with what this type of claim needs, and a request for what is missing	Any exception to the document list
Cover check	The relevant clause and deductible, quoted from the right version of the wording	Whether the claim is covered
Assessment	Invoices and estimates read, totals and tax recomputed	Whether to send a loss adjuster
Settlement	A summary in which each figure is tied to its document	The amount, and the offer
Refusal	The file and the clauses a refusal would rest on	The refusal itself, recorded under the handler’s name, as GDPR article 22 expects
Status questions	The current status, given to the policyholder from your system	Every question that goes beyond the status

Illustrative scenario

Marc opens a water damage claim that is already complete

A brokerage, a household claim reported by email on a Sunday, and a handler who used to spend Monday morning asking for documents. This scenario shows how an agent prepares the file and where Marc stays in charge. It describes no real client. The extraction demo reads supplier invoices only. Claim forms are outside its scope, so it shows the reading and checking step alone.

The two live demos show each step on fictional data: document extraction on supplier invoices, and the knowledge assistant on a fictional company’s procedures.

The policyholder’s email, photos and plumber’s invoice are read and attached to a new claim.
The contract is identified, and the water damage clause and deductible are quoted from its wording.
The invoice total and tax are recomputed; the repair estimate is flagged as missing.
A request for the estimate goes out on Sunday evening, drafted by the agent from Marc’s template.
On Monday, Marc reviews a complete file and decides on cover and settlement himself.

Who decides, and what the regulators expect

A person decides on cover and refusal.Article 22 of the GDPR gives people the right not to be subject to a decision based solely on automated processing when it significantly affects them. Our agents prepare and explain; the decision is taken and recorded by a handler.
Life and health pricing is high-risk under the EU AI Act.Annex III, point 5(c), lists AI used for risk assessment and pricing of people in life and health insurance. We keep underwriting decisions out of scope unless the classification and duties are settled with you first. Dates are in our AI Act guide.
Your AI program covers third-party systems.The NAIC Model Bulletin adopted on December 4, 2023 expects insurers to run a written program for AI systems, including due diligence and audit rights over third-party systems. We document our agents so they fit into it.
DORA contracts, written the way they must be.In the EU, DORA applies to insurers since January 17, 2025, and to intermediaries above SME size. Article 30 asks for a written contract that states, among other things, where data is processed. Ask every AI provider, us included, for that contract before work starts.

Insurance: your questions

Does the AI decide whether a claim is paid?

No. The agent reads, checks and prepares the file, then explains what it found with its sources. The decision on cover, refusal and settlement stays with a person, and the file records who took it.

Can it read photos and handwritten forms?

It reads photos, scans and handwriting in most cases, and flags the fields it is unsure about. Those go to a person instead of into the claim record. A blurred photo gets a polite request for a new one.

Does it work with our claims or broker management system?

Yes, that is most of the job. We connect to your system, your mailbox and your document store. When a tool has no connection, we build one. Results are written back into the claim record your handlers already use.

Where is policyholder data processed?

Where you decide: on hosting in Europe or on your own servers, stated in the contract. Nothing is used to train anyone’s model. DORA requires the contract to carry its clauses, data locations included: ask for them before work starts.

How long before a first agent runs?

Usually four to eight weeks, on a scope and a price fixed before we start. The free 30-minute assessment tells you which step of your claims process to hand over first.

Keep exploring

Let your handlers start from a complete file.

Estimates, photos, invoices, reports. Tell us in the form. We reply within one business day to set up your free 30-minute assessment, and tell you where an agent helps your handlers and where it should stay out.