Insurance Built for the Intelligence Age
Underwriting that takes hours, not days.
Claims that triage themselves.
Policy systems that finally talk to each other.
All built on Ithara. All code yours to keep.
The Vision
The Agentic Enterprise
in Insurance
What does it look like when AI agents work alongside underwriters, claims adjusters, and service teams?
Not automation that replaces expertise. Agents that handle data gathering so underwriters focus on risk judgment. That triage routine claims so adjusters tackle complex cases. That surface insights so your people make better decisions.
Underwriting in hours, not days. Claims triage in minutes. Policy systems that finally connect.
All built on Ithara. All code you own.
The Reality You're Living
What We Hear From Insurance Leaders
"Our underwriters spend 70% of their time gathering data, 30% actually assessing risk."
"Extended timelines from FNOL to decision-making in General Liability claims create cost, customer-experience, and litigation-risk challenges."
"We have three policy admin systems from three acquisitions. None of them talk to each other."
"Every AI vendor promises transformation. We've done four POCs. None made it to production."
Sound familiar?
AI/Agent Engineering
Intelligent Systems That Transform Core Processes
Underwriting Research Agent
The Problem
Underwriters manually pull data from 10+ sources. Submissions sit in queue. Cycle times stretch to days.
What We Build
Agent that automatically gathers data from bureau sources, public records, loss runs, and internal systems. Structures submission into standardized format. Flags risk factors. Generates preliminary assessment with citations.
Your Experts
Underwriter reviews agent work, applies judgment on edge cases, makes final decision. Agent handles volume, human handles exceptions.
Outcomes
< 24 hours
Referral quote turnaround
2× increase
Annual quote throughput
+50%
Underwriter productivity
Up to 10%
Risk-aligned pricing improvement
Claims Intake Agent
The Problem
First notice of loss arrives via email, phone, portal. Manual triage takes weeks. Adjusters assigned without context.
What We Build
Agent that ingests claims from all channels, extracts key information, categorizes severity, identifies coverage issues, routes to appropriate adjuster with full context packet.
Your Experts
Adjusters focus on investigation and customer contact, not paperwork.
Outcomes
70–90% reduction
FNOL-to-triage time
+30%
Adjuster productivity
20–30% reduction
Claim cycle time
15% reduction
Litigation rates
Policy Document Intelligence
The Problem
Decades of PDFs. Endorsements, amendments, binders. No way to search or extract structured data.
What We Build
System that ingests policy documents, extracts coverage terms, limits, exclusions, effective dates. Makes entire policy history searchable. Flags conflicts and gaps.
Your Experts
Approve claim decisions post-AI review, ensuring coverage validation, endorsement checks, and full compliance with organizational guidelines.
Outcomes
60–80% reduction
Coverage analysis time
50% faster
Coverage determinations
15% lower
Dispute or appeal rate
5–10% reduction
Loss adjustment expense
Fraud Pattern Intelligence
The Problem
Fraud identified after payment. Investigation teams overwhelmed with false positives. Patterns span years of claims history.
What We Build
Agent that continuously analyzes claims against historical patterns, network relationships, and known fraud indicators. Surfaces high-probability cases for investigation team review.
Your Experts
Fraud investigators review AI-flagged claims, validate potential fraud, and make final investigative or escalation decisions, ensuring organizational policies and regulatory compliance are maintained.
Outcomes
40% reduction
False positives
30–50% improvement
Case review efficiency
+20%
Complex fraud pattern detection
Reduced
Investigation team workload
Data Intelligence
Get Legacy Systems Ready for AI
The Data Problem in Insurance
You can't build AI on broken data. Most carriers have:
- • Multiple policy admin systems (legacy + acquired)
- • Claims data in different formats per line of business
- • Customer records duplicated across systems
- • No single view of exposure or relationship
What Ithara Brings
Enterprise-ready blueprint for insurance data platforms, enabling seamless integration with core systems through custom connectors and standardized ingestion frameworks. Pre-built insurance data models support critical functions including sales and distribution, claims, regulatory compliance, and risk management, complemented by industry-specific data quality rules and governance templates aligned to state regulatory requirements.
What We Build
Unified Customer View
All policies, claims, billing, and interactions for each customer in one place. Real-time sync across systems.
Exposure Aggregation
Total exposure by geography, line, customer segment. Updated daily, not quarterly.
Claims Data Lake
All claims history normalized and searchable. Foundation for analytics and AI.
Regulatory Data Mart
State-specific reporting automated. Audit-ready documentation.
Typical Outcomes
10+ systems → Single view
50-70% reduction
Data prep time
Manual → Automated
Regulatory reporting
Months, not years
AI readiness
AI Ops
Operate AI Systems at Production Scale
Why This Matters for Insurance
Insurance AI isn't a demo. It's making decisions that affect policyholders and attract regulatory scrutiny. You need:
- • Explainability for regulators and customers
- • Audit trails for every decision
- • Monitoring for model drift
- • Governance that scales
What We Build
Model Monitoring
Track performance metrics for every model in production. Detect drift before it causes problems. Alert when retraining needed.
Explainability Layer
Every AI decision documented with reasoning. Audit-ready reports. Regulator-friendly format.
Governance Framework
Model inventory. Risk classification. Approval workflows. Documentation standards.
Continuous Improvement
Feedback loops from adjusters and underwriters. Models improve with use. Performance compounds.
Typical Outcomes
99.5%+
Uptime
Hours, not months
Drift detection
Automated
Audit documentation
Explainable AI
Regulator confidence
Pre-Built on Ithara
Insurance Accelerators
These aren't demos. They're production-tested components your pod customizes for your environment.
| Agent/Component | Function |
|---|---|
| Underwriting Research Agent | Data gathering, submission structuring, risk flagging |
| Claims Intake Agent | Multi-channel ingestion, triage, routing |
| Policy Document Intelligence | PDF extraction, coverage parsing, search |
| Fraud Pattern Intelligence | Historical analysis, network mapping, alerting |
| Subrogation Identifier | Recovery opportunity flagging |
| Customer Service Copilot | Policy questions, claims status, self-service |
| Insurance Platform Connectors | Real-time integration with leading policy admin, billing, and claims platforms |
| Legacy API Bridge | REST layer over mainframe systems |
| Regulatory Reporter | State filing automation |
How We Engage
Innovation Streaming
Everything runs in 6-week cycles with 2-week cooldowns. Each cycle delivers production-ready capability—not a report, not a roadmap, working systems that generate value.
New clients start with discovery on us. No charge, no obligation. For the right engagements, we offer gain-share options. All solutions built on Ithara. All code yours to keep.
See how we engage6 weeks
To production-ready outcomes
3 seniors
Dedicated expert pod
100%
Your code to keep
Cancel
Anytime. No lock-in.