Industry · Insurance

AI for underwriting, claims,
and the margin between them.

From IRA-regulated general insurers to microinsurance operators and bancassurance desks, we build AI that holds up to audit, fairness review, and a roomful of actuaries.

Where the leverage is
Three realities that quietly shape every combined ratio in this market.
01

Claims cycle drag

Motor, medical, and property claims move through too many hands, each adding delay without adding value. The customer remembers; the NPS reflects it.

02

Fraud tolerance baked in

What you can't detect, you price for — and your honest customers pay for it. Every cycle, the honest ones subsidise a little more.

03

Underwriting conservatism

Without credible data, risk officers default to no. The book stagnates; the market grows around you; the strategy deck asks why.

What AI actually does here
AI for the claims floor, the underwriting desk, and the regulator — built for audit first, speed second.

Claims intake & triage agent

First notice of loss on WhatsApp or voice, with document intake, damage classification from photos, and automatic routing by severity.

Motor claims estimation

Photo-based damage scoring against repair-cost benchmarks, with human-assessor oversight on high-severity and ambiguous cases.

Fraud detection

Network-analysis and anomaly scoring across claims history, provider behaviour, and customer patterns — with evidence the SIU can work with.

Underwriting copilot

Document extraction, risk-factor surfacing, and portfolio-aligned decision support for underwriters — faster to yes, sharper on no.

Customer-service agent

Policy enquiries, premium reminders, and claims status in English and Swahili, with compliance-safe response templates the legal team signs off once.

Regulatory & actuarial reporting

IRA returns prepared from source systems with variance analysis and explainability the chief actuary can put their name on.

Three ways in
Right-sized engagements — from a 2-week audit to a multi-quarter programme. Pick the one that matches where you are.
Audit

AI Audit

From $2,500 · 2 weeks

Portfolio scan across your current workflows. Bottleneck mapping, ROI model, and a prioritised roadmap your team can actually execute.

Start here
Build · Most popular

AI Integration

From $7,500 · 6–10 weeks

One high-leverage use case taken to production. Guardrails, observability, and handover documentation your team can own after we leave.

Start here
Scale

AI Transformation

From $15,000 · multi-quarter

Cross-functional programme with embedded model ops, monitoring, and change management. Built to live past our engagement.

Start here

Talk to us about insurance

Sixty minutes. Bring a problem. Leave with a map.