Solutions/Insurance
Insurance
When the storm hits, know your exposure before the claims do.
Catastrophes, claims surges and fraud all test how fast an insurer can see the truth. We build AI that links policies, exposures and claims in one picture, answers from your wordings with the clause attached, and keeps people in command of every call.
- On premises or private cloud
- Data stays in your country
- GDPR and local law aligned
Why now
Catastrophe losses keep climbing. So does the cost of a slow answer.
Weather losses are now a yearly event, insurers hold some of the most sensitive data there is, and most AI work has yet to pay back.
in insured natural catastrophe losses worldwide in 2024, the fifth year in a row above $100 billion.
Source: Swiss Re Institute, sigma 1/2025is the average cost of a data breach in financial services, the second highest of any industry.
Source: IBM, Cost of a Data Breach Report 2025of companies have yet to show tangible value from their use of AI.
Source: BCG, Where’s the Value in AI?, October 2024Where is our exposure in that flood zone?
Policies, reinsurance and claims sit in different systems, so the answer takes days.Is this claim a duplicate?
The same loss arrives twice, through two channels, with slightly different details.Which wording applies to this policy?
Endorsements change the cover, and the adjuster finds the old version first.Customers paid a fake claims line.
A fraudster ran a paid ad with your logo and a phone number.
What changes
Exposure, claims and cover, each with evidence.
Four moments from our working demonstration world for claims and exposure. The data is synthetic; the behaviour is real.
- 01 · Exposure
What is our exposure if the storm takes this track?
Kybern links policies, locations, reinsurance and open claims in one World Model, so a single event is seen in every book it touches, with what is known and what is assumed kept apart.
Kybern - 02 · Claims
Which claims need a person first?
Kybern reads incoming claims against policy, location and history, flags duplicates and conflicts, and keeps both versions until an adjuster settles them. It never denies a claim on its own.
Kybern - 03 · Cover
Does this policy cover it?
Entrada answers from your wordings, endorsements and guidelines, cites the clause, and flags when a newer endorsement changed the cover.
Entrada - 04 · Fraud & trust
Stop the fake claims line before customers call it.
CyberShield finds look-alike domains, fake claims numbers in search ads and fake apps that use your brand, and takes them down with evidence.
CyberShield
Exposure if the storm takes track B
- Known1,240 policies in zones 3 and 4
- InferredReinsurance layer two likely triggered
- MissingNo update on two large commercial sums insured
Claim 220, roof damage
- ConflictingTwo reports of the same loss with different dates
- ObservedPolicy in force, storm cover included
- Next stepAdjuster to confirm the date with the customer
Is storm surge covered on policy 4471?
- AnswerExcluded under section 5.2
- ChangedEndorsement E7 adds it back for this policy
- SourceEndorsement E7, page 1
Threats to your brand this week
- Search adFake claims helpline in a paid ad
- PhishingLook-alike claims portal collecting card details
- Dark webAgent credentials in a stealer log
What we bring
Built for the questions insurers answer every day.
Kybern
One picture of policies, exposure and claims, with forecasts scored against what happens.
- Event exposure across every book
- Duplicate and conflicting claims flagged
- Decision records for audit
Entrada
Private AI on your wordings, endorsements and guidelines, with the clause attached.
- Clause-level citations
- Change Radar for new wordings
- On premises or private cloud
CyberShield
Stop the fakes that use your brand to reach your customers.
- Fake claims lines and portals
- Look-alike domains
- Dark web exposure
Deployment
Your data. Your premises. Your keys.
Run inside your data centre or your own cloud account. Models run locally, so customer data never goes to a public AI service.
- Air-gappedNo network connection at all. Local models only. For classified and mission networks.
- On premisesYour data centre, your hardware, your rules. Optional Meru M128 appliance.
- Government or sovereign cloudAccredited government or in-country cloud, with data kept inside your borders.
- Your cloudYour own AWS, Azure or Google Cloud account, under your keys and policies.
- ManagedWe run it for you, with the same software and the same evidence trail.
Pilot partners
Shape Kybern for insurance.
We are choosing a small number of insurers to pilot Kybern on one real decision, such as event exposure or claims triage, with the yardstick agreed before we start.
How a pilot works
From first call to a measured result.
A bounded pilot inside your environment. Typical timings shown; we fix the real plan with you.
We agree the one question that matters most, and the yardstick for success, before anything is built.
We connect the documents and systems you already run. Nothing is migrated and nothing leaves your control.
The system works next to the way you work today, so you can compare its answers with your own.
We measure against the yardstick agreed in week 1. If it has not earned its place, you stop.
Questions
What buyers ask us first.
Something else on your mind? Ask us directly.
Does it make claims decisions?
No. Kybern triages and explains, and flags duplicates and conflicts. Adjusters and underwriters decide, and every decision is attributed.
Does customer data leave our environment?
No. Our products run on your premises or in your own cloud account, with local models.
Does it replace our policy or claims systems?
No. Kybern sits on top of the systems you already run and reads what it needs. Nothing is migrated.
How do you handle conflicting information?
Both versions are kept and the record is marked as conflicting until a person settles it. Nothing is silently overwritten.
How do we start?
With one decision, such as event exposure, a few data sources, and a yardstick agreed in week one.
Book a demonstration
See your exposure picture, with the gaps shown.
Pick one decision your teams make under pressure. We will show you how it looks with every source labelled.
- A 30-minute call with someone who builds the product, not a script.
- A demonstration on a scenario from your world.
- A clear view of what a pilot would cost and measure.
Prefer to talk now? Call +91 98150 23001 or write to reach@requisitetech.com.