Industry Insurance

AI in insurance that works for your team.

AI in insurance: read claims documents, sort the inbox, prepare answers from policy terms. Your specialists decide.

Free intro callDiscuss your project
A meeting at a long table with papers in a bright officeAn advisor and a client go through an application form at a deskA surveyor in a hard hat with a clipboard inspects the entrance of a house
  • wstnd
  • klassy
  • selectry.io
  • Gastro Möbel Bölme
  • ai-think
  • Revotion

Sound familiar?

Your experts spend the day searching, reading and retyping instead of deciding. Most of the time is lost between the inbox, the policy system, the document store and the policy wordings.

  • Claims

    Claims documents arrive in pieces.

    Photos, reports and invoices come in across three emails and have to be sorted first.

  • Back office

    The inbox runs the day.

    Requests from customers, brokers and partners land in one mailbox and are handled in order of arrival, not urgency.

  • Specialist teams

    Policy-term questions need specialists.

    Finding out whether something is covered means searching across several generations of terms.

  • Underwriting

    The review waits for information.

    A risk review stalls because details have to be pulled together from several sources.

The cost of waitingThe back office is ageing, successors are scarce and the bar for traceability keeps rising. Processes that depend on a few people get harder to sustain every year.

The situation in figures

Where the industry stands today.

What associations and studies say about AI in the industry. Every figure with its source.

Where AI takes work off

What changes at your desks.

Not experiments, but processes that cost you time every day. Each one works in the systems you already have.

Every invoice is read as if it were the first.

Today

Invoice Fuchs paintersClaim S-26-4471

Invoice no. 2026-118

Property: 14 Lindenstrasse, ground floor left, escape of water on 12 March.

Item 1 drying 14 days, €1,120.00

Item 2 painting 42 m², €1,890.00

Item 3 call-out 3x, €135.00

Payable within 14 days without deduction.

Total €3,145.00

  • Invoices and expert reports are retyped by hand.
  • Line items are checked one by one against the policy.
  • Anomalies stand out when someone has time.

With AI

Invoice checkS-26-4471
  1. Drying 14 daysExpert report: 10 daysdeviation
  2. Painting 42 m²Expert report: 38 m²check
  3. Call-out3 visits on recordplausible
  4. CoverContents Plus, escape of watercovered

2 items for the claims handler

  • The AI reads invoices, estimates and expert reports.
  • It matches them against the policy and flags anomalies.
  • Claims handlers decide on cover and payout.

Claims handlers review cases instead of entering data.

Discuss this caseSee the use case

The answer is in the policy terms. Which ones is the question.

Today

Broker inboxcall-backs
  • Kern brokersMonBike stolen from basement covered?Customer contents basiccall-back open
  • Finanzkontor NordTueSurge after lightning?Buildings 2019to specialists
  • Kern brokersWedFollowing up on Mondayno answer yet2nd request
  • A detailed question means searching several sets of terms.
  • Unclear cases go to the specialist department.
  • Brokers wait for a call back.

With AI

Knowledge assistantContents
  1. Customer service

    Is a bike stolen from the shared basement covered under contents basic?

  2. Only with the bike add-on. Without it, theft from shared rooms is excluded. A draft for the broker is ready.

    Contents terms 2024, sec. 5 (3)
  • Ask in your own words, get the passage in the terms.
  • A draft reply is ready, staff check and send it.
  • If something is not covered, the system says so.

More cases resolved at first contact, fewer hand-offs.

Discuss this caseSee the use case

Before the work begins, everything gets sorted first.

Today

Shared inbox214 unread
  • Kern brokers08:02Buildings application, Roth family3 attachments
  • Mr Albers08:10Cancellation as of 31 Decletter, scanned
  • Ms Yilmaz08:14Water damage kitchen, photosurgent
  • Emails, letters and broker submissions land in a shared mailbox.
  • Someone reviews and routes by hand.
  • Urgent items sit between routine ones.

With AI

Inboxsorted
  • Ms Yilmaz08:14Water damage kitchen, photosto claims, high priorityClaim
  • Kern brokers08:02Buildings application, Roth familyto new business, 3 documentsApplication
  • Mr Albers08:10Cancellation as of 31 Decto policy admin, deadline checkedPolicy
  • The AI recognises the request and document type.
  • Mail goes straight to the right team.
  • Exceptions and complaints go to people.

Cases start on the day they arrive, not the day they are sorted.

Discuss this caseSee the use case

The actual review only starts once the reading is done.

Today

Disability application, medical report23 pages

Orthopaedic report

Seen for the final examination.

Disc herniation L4/L5, 2021

Conservative treatment, no surgery.

Physiotherapy until 03/2022

Free of symptoms since 04/2022, fully fit for work.

  • Risk documents and medical reports are read page by page.
  • Details are matched against guidelines by hand.
  • Experience decides what stands out.

With AI

Risk checkApplication BU-26-0815
  1. Pre-existing conditionDisc L4/L5, 2021guideline 4.2
  2. Treatmentcompleted 03/2022documented
  3. OccupationOffice work, class 1fits

Suggestion: accept with exclusion, underwriting decides

  • The AI summarises the documents.
  • It checks them against your underwriting guidelines and shows deviations.
  • Underwriters decide, as they must in life and health anyway.

More time for the decision, less for the reading.

Discuss this caseSee the use case

How we work

From AI strategy to everyday work.

Clarify first, then build, then run. Each phase has a fixed price, and after each one you decide again.

  1. Free intro call

    In 30 minutes we get a first impression of your business and work out whether an AI strategy is worth it.

  2. AI strategy

    Over one working day we go through your processes with you and your people, using real cases. The result is your prioritised roadmap: what comes first, what can wait, and what you are better off leaving alone.

  3. Pilot & implementation

    The first use case runs in your real operations within weeks, at a fixed price and with acceptance criteria agreed in writing up front. Built directly inside your systems.

  4. Operation & improvement

    We take on monitoring, model upkeep and keeping up with new rules such as the EU AI Act, and build the next case on the same base.

What it costs

Fixed prices, clear steps.

You know up front what each step costs and what it delivers.

  • Recommended start

    First call

    Free

    30 minutes by video

    • We look at where you stand
    • You find out whether an AI strategy is worth it
    • No obligation, with a concrete next step
    Free intro call

  • AI strategy

    €1,990plus VAT

    Fixed price

    • One workshop day on real cases
    • A calculation with your figures for the best use cases
    • A paper for management and shareholders

    Money-back guarantee: three use cases that pay back within 12 months on paper, with your figures, or your money back.

    Request the AI strategy

  • Pilot with one use case

    from €5,000plus VAT

    Fixed price

    • On your data, in your process
    • Acceptance criteria agreed in writing
    Request a pilot

All prices net. Operation afterwards is from 20% of the project price a year, cancellable monthly. The code and the data are yours.

Use cases for your industry

Where we start in your industry.

Use cases we selected for this industry, each in the systems you already use.

  • Customer service

    Structured claims intake

    AI turns a claim notification by email, form or photo into a complete claim file and asks for missing details. Claims handlers decide on settlement.

    • Claims system
    • DMS
    • Email

  • Customer service

    Phone assistant for the claims hotline

    The AI phone assistant takes claim calls around the clock, even after a storm, opens the case and puts emergencies straight through to a person.

    • Telephony
    • Claims system
    • Policy admin

  • Finance & admin

    Route the inbox and broker mail

    AI inbox routing: emails, letters and broker submissions assigned to customer and policy, with the task in the right queue. People decide the substance.

    • Inbox
    • DMS
    • BiPRO

  • Sales

    Pre-check risk documents for underwriting

    AI reads risk documents, checks them against your underwriting guidelines and summarises the risk with sources. Underwriters decide on acceptance.

    • Policy admin
    • DMS
    • Guidelines

  • Finance & admin

    Prepare policy changes

    AI recognises changes of address, new bank details and cancellations in email, letters and the portal, checks deadlines and prepares the booking.

    • Policy admin
    • Email
    • DMS

  • Customer service

    Answer coverage questions from policy terms

    AI finds the right passage in policy terms and guidelines and drafts a reply with section and version. Your team gives the binding answer.

    • Policy terms
    • Guidelines
    • CRM

  • Customer service

    Flag fraud indicators

    Scores claims against known anomaly patterns. Your specialists decide whether to investigate.

    • Claims system
    • History

Compliance from day one

AI that does not become a compliance problem.

Processing in German data centres, a data processing agreement from day one, and an EU AI Act risk class for every use case, documented before anything goes live.

Free intro callDiscuss your project

  • Germany

    Hosting and processing

    Run in German data centres under a data processing agreement, or directly inside your own infrastructure.

  • GDPR

    DPA under Art. 28

    The data processing agreement, the deletion policy and the technical and organisational measures are in place before the first line of code.

  • EU AI Act

    Transparent and documented

    We assign every AI system its risk class and document its purpose, data sources and limits in an auditable form.

  • Sign-off

    Human in the loop

    An agent proposes, your team decides. Anything binding that leaves the company, a quote for instance, is checked by a person first.

Further reading

All posts
MCP explained: how AI assistants reach your systems and what that means for your ITAI toolsTiemo Timtschenko
Feeding ChatGPT your own data? What a knowledge system does differentlyKnowledge systemsTiemo Timtschenko
Why the AI cannot find your part number: pgvector, Azure AI Search and others compared in plain termsKnowledge systemsTiemo Timtschenko

Frequent questions

What we are often asked.

The questions that come up in almost every first call, with our honest answers.

May an AI decide on claims or applications?

We build it to prepare and give reasons, and your experts decide. For risk assessment and pricing in life and health insurance the EU AI Act requires human oversight anyway.

What does the EU AI Act mean for insurers?

AI for risk assessment and pricing in life and health insurance is high-risk under Annex III. After the postponement by the Digital Omnibus, those obligations apply from 2 December 2027. Many applications such as inbox routing or knowledge assistants are not covered. The EU AI Act check gives a first classification.

How does AI in insurance fit with DORA?

DORA has applied to insurers since 17 January 2025. We document providers, data flows and failure scenarios so you can include the solution in your ICT risk management and your register of information.

Does health or customer data leave the company?

Only if you want it to. We run the solution in German data centres or in your own environment and disclose every data flow up front.

Is AI worth it for brokers and smaller insurers too?

Yes, especially where a few people handle many requests and documents. The AI strategy shows whether a case pays off at your volume before costs arise.

How do you prevent wrong answers from the AI?

The AI answers only from your terms, guidelines and files and shows the source for every answer. If it finds none, it says so. Before go-live we test with real cases from your company and measure how often the answer is right.

Which insurance systems do you connect?

Policy administration and claims systems, your DMS, the inbox and Microsoft 365. Anything with an interface or an export can be connected. What cannot, we settle in the AI strategy.

With AI in the company, does everyone see every file?

No. The AI takes over the permissions from your systems. Anyone who may not open a file today will not see it through the AI either.

Other industries

The next step

Let us find out where AI pays off for you.

30 minutes, free and without obligation.

Free intro call