AI for insurance
Submissions and claims read and cited to the page, with the underwriter pricing the risk.
What AI can do with a submission and a claim file
AI reads well, and insurance runs on reading: pulling the fields out of a broker submission into the rating sheet, checking wording, endorsements and schedule against each other, finding the clause in a claim file that decides cover, and assembling the renewal pack from documents you already hold.
How we engage with insurers
Most engagements start with the AI Audit, with scope and fee agreed before the work starts. Some insurers then continue with an Embedded AI Lead engagement to implement the roadmap, while others commission a bespoke build.
- AI Audit We measure where the underwriting week goes and hand back:
- Executive summary
- Interview and findings report
- Implementation roadmap
- Costing and benefit assessment
- Embedded AI Lead We implement the priorities you agree inside a defined delivery allocation, while your underwriter still prices the risk. from £5,000 a month
- AI Charter It puts in writing what AI is used for here and what stays with a person. optional, +£3,000
Implementing the plan is a separate decision. What goes live is measured against the re-keying the audit counted.
Where firms like yours start
The reading and the re-keying come off the desk, and every figure still traces back to the page it came from.
It reads the broker submission and fills the rating sheet, with every field cited to its page.
It reads the claim file against the wording, finds the clause that decides cover and routes it.
It checks the wording, the endorsements and the schedule against each other and flags what disagrees.
It assembles the renewal pack from documents you already hold, so nothing is rebuilt from scratch.
The audit works out yours.
Related work
One is a controls-testing platform running in production, and the other is a discovery engagement that measured a back office by the hour before anything was built.
Confidential UK fintech Testing internal controls with an agent that cites its evidence A per-control agent reads the evidence, reruns the numbers in an isolated sandbox, and lands every claim on the cell or the page region behind it. Every control tested Where the team used to test a sample 
Stow Brothers Counting the admin before proposing a single agent Five workflows mapped and timed with the studio manager, then a computer-use agent blueprinted to reclaim about 50 hours of that. 172 hrs/mo Admin time measured Secure and private, as standard
Submissions and claims files stay in your environment and never train another model, and we settle where they live before we pick one. Private AI
ISO 27001, ISO 9001 and Cyber Essentials are certifications we hold, and we operate to UK GDPR. We build to operate under the FCA’s expectations for accountability and record-keeping, and we are not authorised or regulated by the FCA.
The questions that decide it
What does an AI consultancy for UK insurance firms actually do?
We audit where AI fits inside the policy lifecycle and where it does not. You get a findings report, a prioritised roadmap and a costed business case. What follows runs on the policy-admin and claims estate you have, recorded so a reviewer can show how a decision was reached.
Will AI replace claims handlers, underwriters or compliance reviewers?
No. Under SMCR senior managers keep personal accountability however a decision was reached, and Consumer Duty applies to the outcome rather than the tool. The DUAA 2025 requires a reviewer with authority to override the AI on a repudiation, a refused renewal or a complaint.
Can we keep policyholder data on-prem or in a UK / EU controlled environment?
Yes. Claude on UK or EU regions, OpenAI on Azure UK or EU, open-weights models on private GPU, or full on-prem where residency rules out cloud. We ship zero-retention OCR for claims documents and FNOL packs, with an ISO 27001-aligned audit log on every deployment.
Does this integrate with our policy-admin system, claims platform and Microsoft 365?
Our verified integrations are Microsoft 365, Power Automate, Salesforce Financial Services Cloud, REST and SOAP connections, on-prem PostgreSQL and Langfuse. For Guidewire, Duck Creek, Sapiens and Acturis we integrate at the API or message-bus boundary rather than re-platforming. We do not name platforms we have not delivered against.
What does an insurance AI engagement cost?
The audit is £10,000 excluding VAT at standard scope, agreed before the work starts. An AI Charter can be added for a further £3,000 excluding VAT, scope agreed separately. An Embedded AI Lead engagement is from £5,000 a month excluding VAT. We share indicative figures on a call.
What could your business do with AI?
Find out with experts who become part of your team. We uncover opportunities, get ideas working, and help your people build on the results. We reply within one working day.