Claims at Real-Time Speed.

Automated claims triage, underwriting copilot, fraud detection, broker portal — all on open-source LLMs deployed inside your insurer’s perimeter. Loss data, customer data, broker data stay yours.

claims.triage · auto-mtpl · on-prem live queue
Open
428
Auto-Routed
312
Fraud Flag
14
CL-4421auto · rear-end · CZ-AB-1234€ 3 200FAST
CL-4422property · burst pipe · Brno€ 18 400CHK
CL-4423auto · claim 4× ann avg€ 24 100FRD
CL-4424travel · medical · ES€ 1 850FAST
CL-4425liability · workplace · DE€ 6 200FAST
CL-4426property · weather · cluster€ 92 800CHK
[10:14] CL-4421 fast-tracked · [10:14] CL-4423 fraud-flagged · [10:15] policy fit-gap surfaced · [10:15] cluster pattern detected · weather event · [10:14] CL-4421 fast-tracked · [10:14] CL-4423 fraud-flagged · [10:15] policy fit-gap surfaced · [10:15] cluster pattern detected · weather event ·
−65%
Avg Triage Time
+18%
Fraud Detection
100%
Loss Data On-Prem
3.2×
Underwriter Throughput

What AI Agents Do for Insurers

Six agents shaped to insurance operations.

Claims

Claims Triage

Inbound claim parsed, severity scored, routed to fast-track / standard / specialist queue in <30s.

UW

Underwriting Copilot

Pulls applicant context from internal + open data, drafts indication, surfaces capacity questions.

Fraud

Fraud Pattern Detection

Cross-claim graph analysis spots cluster fraud, staged accidents, recycled photos. SIU notified.

Docs

Policy Doc Drafter

Generates IPID, KID, country-specific policy docs from product config. Always reviewed by compliance.

Broker

Broker Q&A Bot

RAG over your underwriting guidelines + product matrix. Brokers get policy answers in seconds, not days.

Reg

Regulatory Watch

EIOPA, ČNB, BaFin notice triage. Tagged by product line, summarised, queued for compliance.

How Carriers Run It

Four reference patterns shaped for EU insurer environments.

FNOL → Settlement

First-Notice-Of-Loss intake parsed, photos analysed, repair shop matched, settlement offered same day for low-complexity claims.

−4 day cycle time+22 NPS

CAT Event Surge

When a weather event hits, the agent pre-classifies cluster claims by postcode & cause. Adjusters land in the right zip code on day 1.

−3 days response

Fraud Cluster Detection

Cross-claim graph identifies suspicious networks across vehicles, addresses, claimant relationships. SIU works the surfaced top 5%.

+18% fraud caught

Broker Self-Serve

Brokers query the underwriting matrix in natural language. 70% of inbound questions answered without a human.

−70% inbound desk load

Loss Data Is Strategic. Keep It.

Open-source LLMs on your infrastructure. Loss-ratio data never trains a competitor’s model.

Solvency II Friendly

Audit-friendly architecture, immutable agent action log, segregation by line of business.

Core-System Integrations

Guidewire, Sapiens, Tia, Helios Pojišťovna, custom mainframes via REST/SOAP.

Open-Weights LLMs

Pin a model, freeze it, audit it. Repeatable inference for regulator review.

Trial on One Product Line.

Pick auto MTPL, property, or travel. Two-week POC on your hardware against your historical claim data.