I've been building AI document processing systems for insurance companies for 3 years. Here's what actually works

Everyone's talking about "AI transformation" in insurance, but 90% of what I see is either snake oil or glorified OCR with a GPT wrapper slapped on top. I've worked with about 40+ insurance firms at this point (brokers, carriers, MGAs) and the gap between marketing promises and actual results is insane.

Claims adjusters aren't slow because they're bad at their jobs. They're slow because they spend 70-80% of their day doing data archaeology. I timed one adjuster in Manchester - 4 hours on a straightforward auto claim. 20 minutes of actual decision-making. The rest? Document hunting.

Policy docs, medical certs, police reports, repair estimates, witness statements - all in different formats, half of them scanned sideways or handwritten. Your typical OCR chokes on this stuff. Even the "Agentic" ones.

The systems that work aren't using generic models. They're using purpose built models trained specifically on insurance documents with:

• Can handle text, handwriting, tables, images, forms, whatever. Not just "read the text and hope for the best"
• understands this is storm damage, checks it against policy limits, applies the deductible, validates the incident date is within the policy period. All automatically.
• Instantly identifies document types (FNOL, medical report, estimate, etc.) even when they're in weird formats. This matters more than people think because routing and validation rules depend on document type.
• Cross-references extracted data against policy terms, historical claims, fraud patterns, regulatory requirements. This is where most "AI solutions" completely fall apart.

Your competitors are already doing this. The brokers and carriers winning market share right now? They embraced document intelligence 12-18 months ago. They're processing claims faster, with better accuracy, and their teams actually enjoy coming to work.

Manual processing isn't just slower ... it's becoming competitively unviable. When your competitor processes claims in hours and you take days, that's a big disadvantage.