Insurance

Insurance AI with human oversight built in

We build AI that processes faster, prices smarter, and keeps human judgment where it matters.

What We Build in Insurance

From underwriting to claims

Underwriting Automation

We process submissions with AI, returning decisions in minutes with the explainability and audit trail regulators expect built in.

Real-Time Pricing

Our risk models update in real time rather than overnight batches, with a governance layer that keeps them accurate and compliant as data changes.

Claims + Fraud

We run triage, routing, and fraud detection across the entire claims workflow, with human oversight at every decision that requires it.

Built for Stakes at Every Decision Point

Every insurance decision, handled with the precision it deserves

Built to keep your pricing sharp, your fraud models accurate, and your AI performing long after the initial build.

Real results across insurance

Faster submission to quote with automated underwriting.

Faster reviews – underwriters back in front of brokers, not buried in admin.

Profit growth using MLV data to reduce customer churn and optimize customer acquisition costs.

FTSE 100 Insurance Provider

£0M+

Saved through faster deployment + higher efficiency on a cutting-edge ML platform.

“With Datatonic we have created the tool, MLV, to act in real time, improving both acquisition efficiency and member experience.”

Boosting profit by 20% with member lifetime value

Frequently Asked Questions

Do you work across commercial and personal lines insurance?

Yes. Datatonic has built for commercial insurers, personal lines, and insurance scale-ups. The use cases differ but the underlying data and AI challenges are consistent: fragmented data estates, regulatory constraints, and the need for explainable decisions.

How do you ensure human review is maintained in automated workflows?

Human-in-the-loop is a design requirement, not an optional feature. Datatonic builds workflows where AI accelerates and routes, the underwriter or claims handler remains in control of the decision.

How do you handle model drift in insurance?

Datatonic’s AI Operations capability monitors models in production, triggers re-evaluation when performance shifts outside defined bounds, and maintains the audit trail regulators require. Drift is caught before it affects decisions.

Can you integrate with our existing policy management and claims systems?

Yes. Datatonic builds AI into the systems insurers already run, the S2Q workflow at Hiscox, for example, is embedded directly into their core insurance systems. Integration with existing infrastructure is part of every engagement, not an afterthought.

How do you approach data governance in a regulated insurance environment?

Governance requirements are part of the system design from day one. Data lineage, access controls, explainability frameworks, and audit trails are built in as a first-class requirement, not retrofitted when a regulator asks.

Move First

Insurance decisions carry weight
your AI should too

We build the system that handles underwriting, claims, and compliance workflows at scale, consistently, with every audit trail complete.

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