AI for insurers, with a person behind every decision
OceanLab builds AI into claims, underwriting and insurance operations. The AI reads, extracts and suggests; a named person confirms cover and makes every call that could go against the customer. Every example below is a product we built.
OceanLab product builds
AI products we designed and built in this industry. Each one is a full case study with screens, scope and the rules it was built for.
Kittiwake - AI Claims Intake with a Person Behind Every Decision
Designed and built a clickable claims intake console for a UK motor and home insurer: AI reads the customer's story and photos, extracts the facts, drafts a damage estimate and suggests a triage route with its reasons, while a named person confirms cover, routes the claim and makes every call that could go against the customer.
Gratwerk - Commercial Underwriting Workbench from Broker Submission to Quote
Designed and built a clickable underwriting workbench for a Bern-based insurer writing commercial property and liability through brokers: a submission inbox with extraction already done, an underwriter queue with the quote SLA, a submission file enriched with hazard, building and company data, and a workbench that rates the risk, checks every referral rule and shows who may quote.
Building Pylon - AI-Native Insurance Operations from Prototype to Production
Replaced fragmented policy spreadsheets and disconnected claims tools with a unified AI-driven workspace, designed and shipped in 8 weeks via clickable AI prototype.
Where AI earns its place
Each use case names the builds that did it.
Claims intake
AI reads the customer's story and photos, extracts the facts, drafts a damage estimate and suggests a triage route with its reasons, while a named person confirms cover and routes the claim.
Underwriting
A submission inbox with extraction already done, a file enriched with hazard, building and company data, and a workbench that rates the risk, checks every referral rule and shows who may quote.
Insurance operations
One AI-driven workspace in place of policy spreadsheets and disconnected claims tools, designed and shipped in 8 weeks from a clickable AI prototype.
What to plan for
The rules that shape AI in this industry. General information, not legal advice: check with your own counsel.
High-risk under the EU AI Act
Automated decisions
Fair treatment and reasons
Sanctions and referrals
Security attestations
Telling people it is AI
Frameworks our AI builds here cite
From one workflow to production
- 01
Pick the workflow
We start from one workflow your team wants off its plate and agree what a working result looks like.
- 02
Clickable AI prototype
Your team tries the flow on a clickable prototype before any production code is written.
- 03
Production build
We build the production version, with the approval steps and records your industry needs.
- 04
Launch and improve
It goes live in your team's hands, and we tune it as real work runs through it.
Priced either way, whichever suits the work: outcome-based, paid per milestone, or hourly at $30-50 depending on role and seniority. More on AI automation →
Questions teams ask
What can AI do for an insurer?
Take the reading and sorting off claims and underwriting teams: pull the facts from a claim story and photos, draft a damage estimate, extract broker submissions and check referral rules, and bring policy and claims work into one workspace. Each of these is a product OceanLab built.
Does a person still decide on claims?
Yes. In our claims build the AI suggests a triage route with its reasons, and a named person confirms cover, routes the claim and makes every call that could go against the customer.
Is insurance AI high-risk under the EU AI Act?
Some of it. AI for risk assessment and pricing of individuals in life and health insurance is on the high-risk list. Claims triage and operations tools need a case-by-case check. Check your own use case with counsel.
How is it priced?
Either way, whichever suits the work: outcome-based, where you pay per milestone, or hourly at $30-50 depending on role and seniority.
Keep exploring
Are you an AI lab looking for human training or evaluation data? That is a separate offer, OceanLab Labs.
