AI for insurance.
Submissions and claims read and cited to the page, with the underwriter pricing the risk.
What AI can do in insurance.
AI reads well, and insurance runs on reading: pulling the fields out of a broker submission into the rating sheet, checking wording, endorsements and schedule against each other, finding the clause in a claim file that decides cover, and assembling the renewal pack from documents you already hold.
Where firms like yours start.
The reading and the re-keying taken off the desk, and every figure still traceable to the page it came from. It also cuts the tools you no longer need.
It reads the broker submission and fills the rating sheet, with every field cited to its page.
It reads the claim file against the wording, finds the clause that decides cover and routes it.
It checks the wording, the endorsements and the schedule against each other and flags what disagrees.
It assembles the renewal pack from documents you already hold, so nothing is rebuilt from scratch.
The audit works out yours.
How we find where AI fits in underwriting and claims.
We start with an AI Audit and Transformation, fixed in scope and fee. It runs on your desks with the underwriters and handlers who do the work, and it ends in a costed, prioritised 12 month roadmap naming who owns each workflow. OpenKit becomes your business’s embedded AI team: the people who ran your audit stay on to deliver it. If the reading is not what costs you, we will say so.
The build is part of the same engagement, and what goes live is measured against the re-keying the audit counted.
How we engage.
Most engagements start with the AI Audit and Transformation. What follows depends on what it surfaces: many teams keep us on as their Embedded AI Lead, and some commission a bespoke build where nothing off the shelf will fit. The AI Charter runs underneath whichever way it goes.
- AI Audit and Transformation Fixed in fee and scope: we measure where the underwriting week goes and hand back a costed, prioritised 12 month roadmap, yours to keep.
- Embedded AI Lead We stay inside your team and build the plan into the work, while your underwriter still prices the risk.
- AI Charter It puts in writing what AI is used for here and what stays with a person.
Related work.
One controls-testing platform in production, and one discovery engagement that measured a back office by the hour before anything was built.
Confidential UK fintech Testing internal controls with an agent that cites its evidence A per-control agent reads the evidence, reruns the numbers in an isolated sandbox, and lands every claim on the cell or the page region behind it. Minutes Per control tested 
Stow Brothers Counting the admin before proposing a single agent Five workflows mapped and timed with the studio manager, then a computer-use agent blueprinted to reclaim about 50 hours of that. 172 hrs/mo Admin time measured Secure and private, as standard.
Submissions and claims files stay in your environment, are never used to train another model, and where they live is settled before we pick one. Private AI
ISO 27001, ISO 9001 and Cyber Essentials are certifications we hold, and we operate to UK GDPR. We build to operate under the FCA’s expectations for accountability and record-keeping, and we are not authorised or regulated by the FCA.
The questions that decide it.
What does an AI consultancy for UK insurance firms actually do?
OpenKit audits where AI fits inside the policy lifecycle and where it does not, as the opening stage of an AI Audit and Transformation, builds on the stack you already run (your policy-admin and claims-management estate, Microsoft 365) and can leave an Embedded AI Lead in the team to keep claims, underwriting and complaints workflows moving safely. The output is an auditable workflow, recorded so your senior reviewers can show how each decision was reached.
Will AI replace claims handlers, underwriters or compliance reviewers?
No. The FCA’s position is that senior managers retain personal accountability under SMCR regardless of how a decision was reached, and Consumer Duty applies to the customer outcome, not the tool that produced it. The DUAA 2025 requires meaningful human intervention by a reviewer with authority to override the AI for any significant decision: a claim repudiation, a refused renewal or a complaints outcome all clear that bar. We build copilots that let handlers and underwriters work through more cases at higher consistency, with a citation-anchored audit trail per interaction.
Can we keep policyholder data on-prem or in a UK / EU controlled environment?
Yes. Anthropic Claude on UK / EU regions or OpenAI on Azure UK / EU as the default cloud options, open-weights models on private GPU for sovereign requirements, and full on-prem where data residency rules out cloud LLMs entirely. We also ship zero-retention OCR for claims documents, FNOL packs, medical reports and broker submissions. Every deployment carries an ISO 27001-aligned audit-logging trail and a UK GDPR data-processing register.
Does this integrate with our policy-admin system, claims platform and Microsoft 365?
Our verified integrations include Microsoft 365 (SharePoint, document libraries, Entra ID), Power Automate, Salesforce Financial Services Cloud, REST / SOAP connections, on-prem PostgreSQL and Langfuse for prompt versioning and trace logging. For Guidewire, Duck Creek, Sapiens and Acturis we integrate at the API or message-bus boundary rather than re-platforming. We scope the integration honestly at audit, and we do not name platforms we have not delivered against.
Find your first workflow.
We start with a conversation, audit where AI actually pays back, and build the first automation into how your team already works. We reply within one working day.