Insurance

Insurance is document-heavy and compliance-sensitive. That's where AI earns its keep.

Every claim generates a stack of documents. Every underwriting submission arrives as a PDF package. Every state has its own notice requirements. The operational burden scales with volume, and headcount alone does not keep pace.

We build AI that handles the extraction, triage, and document generation layer, the work that is currently done by staff following the same rules every time. Your adjusters and underwriters focus on judgment calls. The AI handles the rest.

How we work

Tell us about your claims or underwriting workflow.

What we build.

Five specific AI workflows for insurance operations.

Claims document extraction and triage

AI reads loss notices, adjuster reports, police reports, and medical records, extracting structured claim data and routing claims by type, severity, and policy coverage for adjuster review.

Underwriting data processing

Parse submission documents, loss runs, inspection reports, and financial statements into structured underwriting data. Reduces the time from submission to quote without removing underwriter judgment from the decision.

Policy Q&A chatbot for agents and customers

A RAG system trained on your policy documents, endorsement library, and state-specific filings answers coverage questions accurately with source citations. Agents stop calling your home office for answers that are already in the policy.

FNOL automation

A phone or web agent handles first notice of loss calls (collects the structured data your claims system requires, confirms coverage, and sets expectations) without a live adjuster on the line for routine submissions.

Compliance document generation

Generate state-specific notices, acknowledgment letters, declination letters, and reservation of rights letters from structured claim data. Correct format, correct language, correct state, without manual drafting.

Who we build for.

P&C carriers with high-volume personal lines claims
Specialty insurers with complex commercial lines submissions
MGAs building technology-enabled underwriting workflows
Third-party administrators processing claims for multiple carriers
InsurTech companies adding AI to embedded or digital insurance products

Who this isn't for.

Companies expecting AI to make final coverage decisions
AI handles extraction, triage, and document generation. Coverage decisions require licensed professionals and human judgment. We build systems that support adjusters and underwriters, not replace them.
Carriers without digital document access
If claims arrive entirely by paper mail with no digitization pipeline, the first project is a scanning and OCR workflow, not AI. We can scope that, but it is a different engagement.
Projects requiring real-time actuarial pricing models
We build operational AI: claims processing, underwriting intake, policy Q&A. Actuarial modeling and rate-setting systems are a different specialty that requires credentialed actuarial involvement.

Frequently asked questions.

How do you handle HIPAA requirements for health insurance claims?: Health insurance claims containing PHI are treated with the same architecture we use for healthcare clients: BAA-covered infrastructure, PHI minimization in LLM context windows, and zero-data-retention API agreements with model providers. We sign a BAA before any PHI enters our systems.
Can you handle state-by-state compliance variations?: Yes. State-specific compliance variations (notice timing requirements, mandatory language, form approvals) are configurable in our document generation systems. We build a state rules library during the project and test output against your compliance team's review before deployment. You own that rules library and can update it when state regulations change.
How accurate is claims data extraction?: Accuracy varies by document type. Structured forms (ACORD submissions, standard loss runs) achieve over 95% field-level accuracy before fine-tuning. Narrative adjuster reports and handwritten notes are lower. We run an accuracy benchmark against your actual document mix during scoping, so you get a realistic number before committing to the project.
How does this integrate with our claims management system?: We have integrated with Guidewire, Duck Creek, Majesco, and several proprietary claims systems via their APIs and database connectors. If your system has an API or supports data export, integration is feasible. We evaluate integration path on the discovery call, some systems require a middleware layer, which affects scope and price.

Ready to automate your claims or underwriting intake?

Tell us which part of your claims or underwriting workflow generates the most manual work. We will reply within one business day with a rough scope and price range.

Insurance is document-heavy and compliance-sensitive. That's where AI earns its keep.

What we build.

Five specific AI workflows for insurance operations.

Claims document extraction and triage

AI reads loss notices, adjuster reports, police reports, and medical records, extracting structured claim data and routing claims by type, severity, and policy coverage for adjuster review.

Underwriting data processing

Policy Q&A chatbot for agents and customers

FNOL automation

Compliance document generation

Who we build for.

P&C carriers with high-volume personal lines claims

Specialty insurers with complex commercial lines submissions

MGAs building technology-enabled underwriting workflows

Third-party administrators processing claims for multiple carriers

InsurTech companies adding AI to embedded or digital insurance products

Who this isn't for.

Companies expecting AI to make final coverage decisions

AI handles extraction, triage, and document generation. Coverage decisions require licensed professionals and human judgment. We build systems that support adjusters and underwriters, not replace them.

Carriers without digital document access

If claims arrive entirely by paper mail with no digitization pipeline, the first project is a scanning and OCR workflow, not AI. We can scope that, but it is a different engagement.

Projects requiring real-time actuarial pricing models

We build operational AI: claims processing, underwriting intake, policy Q&A. Actuarial modeling and rate-setting systems are a different specialty that requires credentialed actuarial involvement.

Frequently asked questions.

How do you handle HIPAA requirements for health insurance claims?

Health insurance claims containing PHI are treated with the same architecture we use for healthcare clients: BAA-covered infrastructure, PHI minimization in LLM context windows, and zero-data-retention API agreements with model providers. We sign a BAA before any PHI enters our systems.

Can you handle state-by-state compliance variations?

Yes. State-specific compliance variations (notice timing requirements, mandatory language, form approvals) are configurable in our document generation systems. We build a state rules library during the project and test output against your compliance team's review before deployment. You own that rules library and can update it when state regulations change.

How accurate is claims data extraction?

Accuracy varies by document type. Structured forms (ACORD submissions, standard loss runs) achieve over 95% field-level accuracy before fine-tuning. Narrative adjuster reports and handwritten notes are lower. We run an accuracy benchmark against your actual document mix during scoping, so you get a realistic number before committing to the project.

How does this integrate with our claims management system?

We have integrated with Guidewire, Duck Creek, Majesco, and several proprietary claims systems via their APIs and database connectors. If your system has an API or supports data export, integration is feasible. We evaluate integration path on the discovery call, some systems require a middleware layer, which affects scope and price.

Ready to automate your claims or underwriting intake?

Tell us which part of your claims or underwriting workflow generates the most manual work. We will reply within one business day with a rough scope and price range.