Sapio — data-driven AI
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Insurance files, prepared by AI agents. Decided by people.

Follow one complex claim, from the first document to the answer.

Walk us through your claims process

The file arrives

A claim and its documents reach the claims clerk. Nothing is decided yet.

AI agents prepare the file

AI agents check the policy, read the reports, list the open questions and compare the invoices. They propose. They decide nothing.

~3.5 hCoverage check alone: of a claims handler's week

Estimate: 8.75% of working time (Claude-estimated, Anthropic Economic Index 2026) × 40 h · US labour data (O*NET 31.0) · task 21417 · all claim types

The specialist decides

The claims handler sees the prepared file and sets the reserve and the amount. This step stays with a person.

The answer goes out

An AI agent drafts the offer or refusal from that decision. A person reviews, signs and sends it.

The same logic, in other processes

Underwriting

AI agents pull out the key facts and draft the information requests; the underwriter judges the risk.

Policy changes and renewals

AI agents log the request and prepare the endorsement and premium; a person checks the result.

Suspected fraud

AI agents screen for irregularities and search the records; an investigator decides what to recommend.

Tell us where your files get stuck

Where else AI helps in insurance

Public usage data shows AI mostly at the two ends of the process: front-office work, and drafting reports and letters. It shows little in the middle, where the file work happens. That middle is document work with high potential. Decisions stay with people.

  • Quoting and sale

    Intake, data entry and applications. Clerical work at the front office is where use is seen most today.

  • Underwriting

    Documents and data about the risk can be read and summarised. The underwriter still judges the risk and decides.

  • Policy administration

    Requests, changes, renewals and correspondence follow set steps. AI agents can prepare them. A person checks them.

  • Claims

    Reading policies, reports and invoices is document work. AI agents can prepare the file. The handler decides and pays within authority.

  • Fraud

    AI agents can screen files, search records and draft the report. The investigator makes the finding.

  • Actuarial and reporting

    AI agents can prepare data and draft risk and regulatory reports. Sign-off stays with the actuary and the compliance officer.

Let's look at your underwriting and claims

How to start

We begin with your process, not with a tool. Each stage ends with something you can judge before you commit to the next.

  1. AI Technical Audit

    Two to four weeks. We map your workflows, data and systems. You get a written technical proposal and a roadmap.

  2. Custom solution

    We build with your team in steps. Each step is checked in your own context before the next one starts.

  3. Workshops

    Hands-on sessions for your managers and your technical team. In English or Romanian.

Have a similar process?

Send us a few lines about it. Vlad replies.

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Fictional case. Figures come from US work data (O*NET) and public sources. They show where time goes, not how many jobs change.