AI Strategy & Consulting · for Insurance
AI Strategy & Consulting for Insurance teams — built for the way you actually work.
For a top-20 EU insurer, our 8-week AI-roadmap engagement identified 12 prioritised use cases, killed 6 others on regulatory grounds, and produced a 24-month execution plan that the board approved unanimously.
EU hosting · Audit trails · Human-in-the-loop · DACH-native
What we see in Insurance today
Insurance carriers and brokerages run on legacy systems — most core policy admin, claims, and underwriting platforms in DACH and the broader EU were architected 15–30 years ago and have grown layers of integrations on top. The result is a sector where data lives in 8–15 systems per business unit, where analytics runs through Excel exports and weekly reports, and where every new product launch waits 6–12 months for IT bandwidth. The decision-makers are typically risk-averse for good regulatory reasons (BaFin, EIOPA, Solvency II) but increasingly under board-level pressure to modernise. The buying pattern: cautious vendor selection, long procurement cycles, but real budget once trust is established and a small win has been shipped.
Regulatory context: GDPR + EU AI Act for AI-driven decisioning, BaFin oversight in DE, EIOPA guidelines on outsourcing and digital operational resilience (DORA from 2025). Any AI tool touching underwriting or claims must be auditable end-to-end — black-box is a non-starter.
Pain points we hear from chief operating officers
- Claims data scattered across multiple systems — no single source of truth for fraud signals or reserving
- Underwriting still partially manual — referral queues take 3–7 days for complex risks
- Customer-service teams answering policy questions by hand because the self-service portal lags by years
- Compliance reports built in Excel each quarter, reproducing the same joins every time
- New product launches blocked by core-system change windows, even for small variants
What AI strategy looks like for an insurance carrier
Decision-makers: Chief Operating Officer, Head of Claims, Head of Underwriting, IT Director, Chief Data Officer. Here is what we focus on when ai strategy meets insurance:
- Start with a use-case map across claims, underwriting, distribution, fraud — most carriers can name 30+ candidate use cases on the first call.
- Score each use case on regulatory exposure × ROI × technical feasibility — the order changes dramatically once you do this exercise honestly.
- Pilot the highest-ROI/lowest-regulatory-exposure use case first — typically intake document extraction or fraud signal aggregation.
- Build the data-readiness picture before promising any AI outcome — most insurance data lakes have integrity issues that need fixing first.
- Set up a governance forum that includes compliance, claims/underwriting ops, and IT — AI without this fails politically, not technically.
- Plan for the EU AI Act explicitly — high-risk classifications affect underwriting, claims, and pricing decisions. Mapping each use case is part of the consulting engagement.
Proof: how we have done this for an insurance carrier
Case study
From 200-page AI deck to three live pilots — a 90-day roadmap for a DACH insurance group
Benchmarked 18 AI opportunities and shipped 3 production pilots in 90 days
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18
Opportunities benchmarked
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3
Pilots live in production
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€420k
Projected Y1 savings
Read the full case study →
Common questions
AI Strategy & Consulting for Insurance: what teams ask first
Ready to talk about ai strategy for your insurance business?
30-minute discovery call. No sales theatre. If we're not the right fit, we'll say so.
EU hosting · Audit trails · Human-in-the-loop · DACH-native