Faster claim resolution with AI automation
Lower operational costs across claims workflows
Improvement in fraud detection vs manual review
Our AI Insurance Solution
AI Chat Support & Voice Assistance
Your policyholders expect instant answers at 10pm on a Sunday, during a CAT event, or right after an accident. The AI Support Agent handles policy inquiries, billing questions, and claim status updates across chat and voice, 24/7. When a query needs a human, it hands off with full context so your team picks up where the AI left off, not from the beginning.
Customer service and contact center teams at P&C carriers, MGAs, and TPAs.
- Handles FNOL intake, claim status inquiries, coverage verification, and billing queries autonomously
- Supports endorsement requests, certificate of insurance issuance, and renewal reminders
- Consistent logic across web chat, inbound voice, and SMS
- Escalates to human agents with full policyholder account context and conversation summary
- Handles CAT event surges without additional staffing or hold time increases
AI Claim Estimator
Claim estimation should not take three to five days. Upload damage photos and basic vehicle or property details and get a calibrated estimate range with a confidence score in minutes. Adjusters can review, adjust, or escalate with a complete audit trail maintained at every step.
Claims adjusters and operations teams at P&C carriers and MGAs handling high volumes of auto and property claims.
- Supports personal auto, commercial auto, and property damage estimation
- Covers comprehensive, collision, PIP, and liability coverage types
- Estimate output includes parts breakdown, labor category, and total loss threshold indicator
- Integrates with your existing FNOL workflow and claims management system via API
- Full adjuster override with logged rationale for E&O compliance and audit purposes
AI Data Analytics
Your operational data already exists across policies, claims, and billing. Getting to it should not require an IT ticket or a three-day wait. Type a simple query and get a structured, accurate answer in seconds, no analyst required.
Operations leaders, underwriters, and analysts at P&C carriers and MGAs who need real-time visibility across their book of business.
- Query loss ratios, premium data, and claims history across your entire book of business
- Identify high-risk segments by geography, line of business, coverage tier, or vehicle type
- Generate bordereaux reports, renewal lists, and exposure summaries on demand
- Monitor combined ratio trends and claims frequency without manual spreadsheet work
- Role-based access ensures underwriters, adjusters, and executives see only relevant data
AI Quote Creation
A standard personal lines quote form has 40 or more fields. Even experienced agents spend 8 to 12 minutes per submission. For a policyholder doing it themselves, most never finish. AI Quote Creation replaces the form with a conversational intake, applicants provide basic details, upload a driver's license or VIN, and receive a bindable quote in minutes
Distribution teams, independent agents, and customer experience teams at P&C carriers and MGAs looking to improve quote conversion and reduce submission turnaround time.
- Conversational intake via chat replacing traditional long-form quote applications
- Supports driver's license scan, vehicle registration, and prior declarations page upload for prefill
- Generates bindable quotes for personal auto, homeowners, and commercial BOP lines
- Reduces submission turnaround from days to minutes for straightforward risks
- Integrates with your existing rating engine and policy administration system via Agentic AI
AI Claim Fraud Detection
Fraudulent claims arrive with AI-generated photos, manipulated metadata, and reused damage imagery that pass standard checks without triggering a single flag. By the time it is detected, payment has already been authorized. AI Claim Fraud Detection analyzes every submitted claim for signs of manipulation before a payment decision is made.
SIU teams, claims managers, and fraud prevention teams at P&C carriers and MGAs looking to reduce claims leakage and improve fraud detection rates.
- Detects AI-generated and digitally altered damage photos at submission
- Cross-references image metadata against reported incident date, time, and location
- Reverse image matching against prior claims history across your book of business
- Automated SIU referral for high-risk submissions with evidence summary attached
- Risk score integrated directly into your existing claims adjudication workflow Audit-ready detection log for regulatory review and SIU investigation support
AI Document Validation
Every submission and every claim arrives with documents that need verification. Checking them manually is slow, inconsistent, and a known source of errors that compound downstream. AI Document Validation extracts, cross-checks, and validates policyholder documents automatically, flagging discrepancies with specific context before they cause problems.
Underwriting operations, claims handlers, and compliance teams at P&C carriers and MGAs processing high volumes of submissions and claims documentation.
- Validates driver's licenses, vehicle registrations, prior declarations pages, and proof of loss forms
- Cross-references extracted data against application and policy fields in real time
- Flags expired documents, name mismatches, VIN discrepancies, and coverage gaps with context
- Handles both structured and unstructured document formats across personal and commercial lines
- Reduces manual document review effort and accelerates submission and claims processing timelines
- Full validation audit trail with document version and timestamp for compliance and E&O purposes
AI Insurance Assistance
Your agents, adjusters, and underwriters spend significant time searching for policy information, coverage details, and claims guidance across multiple systems. AI Insurance Assistance acts as an internal knowledge agent, delivering instant answers to operational questions so your teams spend less time searching and more time making decisions.
Agents, claims adjusters, and underwriters at P&C carriers and MGAs who need instant access to policy, coverage, and claims information during live customer interactions and underwriting reviews.
- Instant retrieval of policy details, coverage terms, and endorsement information across your book
- Supports claims adjusters with coverage verification, liability guidance, and settlement recommendations
- Assists underwriters with appetite checks, risk guidelines, and submission triage during live reviews
- AIntegrates with your policy administration system and claims management platform via API
- Reduces average handle time on policyholder calls by surfacing relevant account context instantly
- Maintains a full interaction log for quality assurance, compliance, and training purposes
Why P&C Carriers and MGAs Choose Practo Insura
Insurance-Specific, Not Generic AI
Built around P&C workflows, terminology, and compliance requirements. From bordereaux reporting to FNOL intake, the platform speaks the language of insurance operations.
Works With Your Existing Stack
Connects to your existing policy administration and claims platform via standard APIs. No forklift migration, no infrastructure overhaul, no lengthy IT project required.
Modular by Design
Start with one solution and expand on your own timeline. Every module works independently with no all-or-nothing commitment and no dependency between solutions.
Built for Mid-Market Carriers and MGAs
Implementation timelines, pricing, and support models are designed for mid-market P&C carriers and MGAs, not Tier 1 enterprise carriers with dedicated IT departments.
Live in Weeks, Not Months
A focused deployment goes from discovery to go-live in 8 to 12 weeks, with measurable ROI visible within the first quarter.
Built With Enterprise-Grade Security
SOC 2 Aligned
Data handling and access controls built to SOC 2 standards across all modules.
Role-Based Access Controls
Every user sees only the data relevant to their function: adjusters, underwriters, and executives have separate access levels.
Full Audit Trail
Every AI action, override, and escalation is logged with timestamp and user context for regulatory review and E&O compliance.
API-First Architecture
All data exchange happens via encrypted API connections. No direct database access, no data replication outside your environment.
Ready to See Practo Insura AI in Action?
Talk to our team about which AI solution fits your current operation first. No long-term commitment required.