Cohere for Insurance
Governed AI agents for insurance operations.
Cohere helps insurers connect policy administration, claims, actuarial, and compliance data with AI workflows they can control. North, Cohere's agentic AI platform, brings secure reasoning to the systems that run modern insurance, deployed under EU data jurisdiction with full Solvency II, IFRS 17, IDD, and DORA compliance.
For underwriting teams
Improve risk selection accuracy and accelerate quote turnaround.
For executives
See claims leakage, combined ratio drivers, and catastrophe exposure across all lines.
For IT and compliance
Deploy with scoped access, approvals, audit trails, and sovereign data controls.
Powered by North
See the exposure. Trace the cause. Act with control.
North turns fragmented insurance context into governed AI workflows for companies that cannot afford black-box automation.
Detect earlier
Spot claims fraud, underwriting risk gaps, and reserve anomalies before they materialize.
Connect the dots
Bring policy admin, claims management, actuarial models, reinsurance treaties, and broker context together.
Keep humans in control
Recommend next steps with underwriter approvals, audit trails, and actuarial-grade documentation.
Insurance is ready for AI that works where underwriting and claims happen.
The highest-value gains come when AI can reason across policy and claims systems, surface issues before they cascade, and keep people in control, all under EU data sovereignty.
Claims cycle time
Potential reduction in claims processing time through automated FNOL intake, document extraction, and triage routing.
Combined ratio
Potential improvement driven by faster claims resolution, reduced leakage, and AI-augmented fraud detection.
Underwriting accuracy
Potential improvement in risk selection through AI-assisted analysis of submissions, external data, and historical loss patterns.
Insurance agents that earn trust over time.
Start with read-only observation, then expand into claims diagnosis, risk analysis, compliance orchestration, and governed workflow automation as teams build confidence.
Ingest FNOL submissions across channels, validate coverage against policy wordings, assign triage scores, and route complex claims to adjusters.
Analyze submission packages, cross-reference catastrophe models and external data, and generate risk summaries for underwriter review.
Assist with data preparation for Moses/Prophet, analyze model outputs for reasonableness, and generate reserve movement narratives.
Extract treaty terms, analyze claims against coverage, determine recoverability, and generate bordereaux summaries.
Map source data to Solvency II QRTs and IFRS 17 templates, validate data quality, and generate regulator-ready documentation.
Built for insurance systems, not just office workflows.
Insurance AI has to meet companies where their data lives. North connects to the system categories that carry policy performance, claims history, actuarial models, reinsurance, and broker context, with sovereign deployment options including air-gapped, hybrid, and EU-jurisdiction cloud.
Insurance context
One conversation can span a claims anomaly, an underwriting referral, a reinsurance recovery, and the reserve adjustment.
Instead of asking analysts to manually reconcile policy data, claims reports, and regulatory filings, teams can ask targeted questions & get traceable answers in the systems behind the insurer.
Policy admin + Rating engines
Customer and policy signals
Surface premium trends, lapse risk, coverage gaps, and renewal opportunities with full regulatory context.
Claims management + FNOL
Claims intelligence
Attach fraud indicators, reserve movements, adjuster workload, and settlement patterns to existing claims workflows.
Sovereign by design.
North is built for insurers that operate under EU data jurisdiction and cannot compromise on regulatory compliance.
EU data jurisdiction
All data processing, model inference, and audit logs remain within EU borders. No data transfer to non-EU jurisdictions.
Solvency II & IFRS 17 compliant
Full alignment with SCR reporting, QRT submissions, contract grouping, and actuarial assumption documentation.
EU AI Act ready
Transparency, human oversight, and risk classification built into every agent workflow. Underwriting and claims use cases include documented governance controls.
Air-gapped & hybrid deployment
Deploy North entirely on-premises, in a hybrid configuration, or within EU-sovereign cloud. No external API calls required.
Audit-grade traceability
Every agent decision is logged with source citations, reasoning chains, and human approval records, EIOPA examination-ready on demand.
Tailored demo
Map your first governed insurance workflow.
Speak with Cohere about a tailored demo for your claims, underwriting, actuarial, reinsurance, or compliance workflows. We will shape the conversation around your systems, governance requirements, and business outcomes.
- For underwriting, claims, and actuarial leadership teams.
- For CIO, CDO, and transformation leaders evaluating governed AI under EU sovereignty requirements.
- For insurers exploring secure agentic workflows with North.