We build AI for Canadian insurers, MGAs and brokerages that reads claim files and broker submissions, drafts the summary and routes the work, while adjusters and underwriters make every decision.
AI for insurance in Canada is already past the proof-of-concept stage at the large carriers, mostly in fraud detection, pricing and straight-through processing of simple claims. The bigger opportunity for mid-size insurers, MGAs and brokerages is in the documents: first notices of loss, medical and repair reports, broker submissions, loss runs and policy wordings that people still read end to end.
Regulators are watching closely. Federally regulated insurers come under OSFI’s revised model risk guideline in May 2027, Québec insurers under the AMF’s AI guideline the same month, and every insurer answers to provincial fair-treatment expectations. The winning approach keeps a licensed person on each decision and makes the AI’s work easy to audit.
Adjusters inherit hundreds of pages of reports, photos, statements and correspondence, and the key fact is often on page 140.
Broker submissions arrive as emails, ACORD or CSIO forms, loss runs and spreadsheets, and underwriters spend their morning re-keying them before they can assess risk.
Front-line staff and brokers wait for a senior underwriter to confirm what a wording or endorsement actually covers.
A windstorm or flood brings weeks of claims in a few days, and intake, triage and acknowledgements fall behind.
Claims reported by email, web form, phone notes or broker are captured, checked against coverage, scored for complexity and routed to the right adjuster queue.
Simple claims are acknowledged the same day, complex ones reach a senior adjuster first
Delivered by AI agents for operationsMedical reports, repair estimates, statements and correspondence are read and summarized into a timeline, with each fact linked back to the page it came from.
Adjusters start from a summary, not a 200-page file
Delivered by Document processingBroker submissions, applications and loss runs are turned into structured data in your policy system, with missing information flagged before an underwriter opens the file.
Underwriters spend their time on risk, not on data entry
Delivered by Document processingStaff and brokers ask coverage questions in plain language and get answers drawn from your wordings, endorsements and underwriting guidelines, with the clause cited.
Coverage questions are answered with the clause, not from memory
Delivered by AI assistants on your company knowledgeModels trained on your closed claims flag files likely to escalate, so reserves and senior attention arrive early. Every flag is explained and reviewed by a person.
Large losses are spotted in the first week, not the third month
Delivered by Forecasting and analyticsLogged connections between Guidewire, Duck Creek or your broker management system and the AI tools, so data flows both ways without swivel-chair entry.
Every AI action is written to the system of record, with an audit trail
Delivered by Systems integration and automationInsurance AI is judged on whether customers are treated fairly and whether you can explain what happened. We design each system so a licensed person decides, the evidence is attached, and your compliance team can reconstruct any outcome. We do not certify compliance; we make it easier to demonstrate.
From May 1, 2027, AI and machine learning models used by federally regulated insurers fall within OSFI’s model risk expectations. We deliver the inventory entry, validation results and monitoring plan for each model.
Third-party and technology risk expectations apply to AI vendors and systems. We document model providers and data flows, run in your cloud account and apply your access, change and logging controls.
Insurers authorized in Québec must classify AI systems by risk, govern them across their lifecycle and treat clients fairly, from May 2027. We document each system in French and English against those expectations.
The Conduct of Insurance Business and Fair Treatment of Customers guidance applies across provinces, enforced by FSRA in Ontario, BCFSA in British Columbia, the AMF in Québec and others. AI that drafts customer letters or claim decisions keeps a person accountable and the wording reviewable.
Claim files carry health and financial information. We run a privacy impact assessment, keep data in Canadian regions, limit what each model sees and, for decisions based solely on automated processing, build the notice and human review Law 25 requires.
Most insurers run a policy and claims core, a document repository and a broker channel that were never designed to talk to AI. We connect to them through their APIs and standards rather than asking you to replace them.
In a free 30-minute call we’ll pick one claims or underwriting workflow, explain what AI would do with it, what your compliance team will want to see, and how long a production system would take.
30 minutes with a senior engineer. No sales pitch, no obligation.
