AI development for insurance

Insurance AI use cases that ship

• Submission intake and clearance — ACORD forms, loss runs, SOVs, and broker emails converted to structured submissions with appetite matching. Directly moves quote turnaround time.
• Claims first-notice-of-loss processing — Extraction and completeness checking on FNOL packets so adjusters start with structured facts instead of a PDF pile.
• Coverage and endorsement checking — Comparing claim facts against policy language and surfacing the relevant clauses with citations for the adjuster.
• Loss-run and SOV analysis — Normalizing wildly inconsistent carrier formats into comparable data — a task that consumes enormous analyst time today.
• Fraud and leakage triage — Ranking claims for SIU review with explainable signals and a logged rationale.

Governance requirements to plan for

• Explainability per decision — Any model output influencing a claim or pricing outcome must come with the evidence used, retrievable months later.
• Segment-level performance — Aggregate accuracy is insufficient where outcomes affect policyholders differently across segments. Measure and document it.
• State-by-state variation — Regulatory treatment differs by state and line of business. Build the audit trail once, to the strictest standard you operate under.
• Human authority preserved — Coverage determinations and pricing stay with licensed staff. The model assembles, cites, and ranks.
• Versioned prompts and models — When a claim is reviewed two years later, you must be able to reproduce what the system saw and said.

Realistic targets

How we engage

Start with a 4-week prototype sprint ($40K–$90K) against a real submission or claims sample, producing an accuracy baseline measured on production distribution and a documented go/no-go. Production builds run $80K–$400K per feature with governance artifacts — intended use, limitations, evaluation methodology, segment performance — delivered alongside the code. US-based W-2 senior engineers only, inside your tenant, under your MSA, IP assigned from the first commit.