Insurance

Build Autonomous Insurance operations

Otera powers end-to-end autonomous operations and proven $100M+ ROI across regulated insurance workflows.
$100M+

Profit impact

+10x

Team capacity

+60%

OpEx savings

WHY OTERA

Autonomous AI Agents for Insurance

Otera is built for insurers who can’t afford errors or downtime, replacing fragmented tools with an autonomous system that delivers proven AI ROI and compliance confidence.

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Claims Processing
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Underwriting
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Customer Support
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Input Management

Autonomous Claims Operations from Intake to Settlement

Compress cycle-times from weeks to days driving top-line and bottom-line outcomes. Your adjusters focus on investigations and high-value decisions, while claims capacity scales without headcount.

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Topline Impact Bottom-Line Impact
Settlement speed becomes a competitive differentiator when claims resolve in hours, not weeks Dramatic reduction in cost-per-claim as autonomous agents handle the full lifecycle
Customer retention strengthens when every interaction meets consistent quality standards Significant capacity expansion without headcount increases
Market reputation improves as resolution consistency eliminates service variability Compliance costs decline as audit trails generate automatically for every action

Autonomous Underwriting from Submission to Quote

Turnaround underwriting quotes autonomously, establishing a clear market differentiation with clients. and eclaim capacity for strategic risk selection, portfolio strategy, and relationship management. 

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Topline Impact Bottom-Line Impact
Speed-to-quote becomes a market advantage when the full underwriting cycle completes in minutes Dramatic reduction in underwriter time spent on data gathering, validation, and administrative tasks
Conversion rates improve when brokers receive rapid, consistent responses across all submission types Significant increase in submission capacity without proportional headcount growth
Market responsiveness accelerates when new products deploy without rebuilding workflows Compliance confidence improves as every submission follows documented, auditable processes

Autonomous Service Operations at Scale

Compress resolution times from days to minutes and scale service capacity with demand. Ensure every customer interaction meets consistent quality standards while maintaining a ‘zero-inbox’ standard.

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Topline Impact Bottom-Line Impact
Customer experience transforms when every inquiry receives immediate, accurate resolution Elimination of backlog as processing capacity scales with demand
Retention strengthens when service consistency matches or exceeds expectations across every channel Significant reduction in cost-per-interaction as autonomous agents resolve inquiries end-to-end
NPS improves as customers experience resolution, not routing Compliance risk declines as every interaction follows documented processes with full audit trails

Omni-channel Autonomous Intake 

Make intake bottlenecks disappear so downstream systems receive complete, validated inputs in seconds. Processing capacity scales fluidly and automatically, even with abrupt volume spikes or troughs.

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Topline Impact Bottom-Line Impact
Submissions process in seconds, not hours or days Elimination of intake bottlenecks that constrain downstream operations
Customer experience improves when acknowledgment and next steps are immediate Dramatic reduction in error rates as validation happens at the point of entry
Operational predictability increases when intake capacity scales automatically with volume Significant savings as manual data entry and verification are eliminated entirely

AI Agents for Autonomous...

The Autonomous Era of Insurance has already begun

+$300M
Profit
+30%
Opex Savings
"We’re running 90% autonomous ops across millions of claims, targeting $300M in profit as part of a broader 30-country transformation program."
Pieter Viljoen
Chief Data Officer
80%
STP
Zero
Backlog
"600,000 annual emails are now processed in a matter of seconds - if it had been 6 million, that would have been exactly the same thing."
François Goffinet
Chief Executive Officer
Platform

Deploy Autonomous Agents across every step of your processes

Leverage pre-built Agents
Build your own Agents
Integrate your Agents into flows

Deploy pre-built agents proven in insurance operations, from claims to compliance, with zero training data required.

Configure specialized agents in plain language, using reusable components for new processes, markets, or product lines.

Orchestrate end-to-end autonomous operations across claims, finance, and service channels with centralized control.

INTEGRATE WITH OVER 400+ APPS AND SERVICES

Connect your existing infrastructure

Go from Manual-first to Agentic-first Insurance

Manual-First

Fragmented systems, manual handoffs, and constant backlogs.

Slow settlements

Limited capacity

Compliance risk

Rising OpEx

Agentic-First

Centralized oversight while claims, policy and other cases run autonomously. 

Real-time claim resolution

Unlimited capacity

DORA-ready, audit-proof

60%+ OpEx savings

Frequently asked questions

Can we start small, or is this an all-or-nothing rollout?

Start with one process, prove ROI in 8–12 weeks, and scale at your pace.

Do we need to label data or train models?

No. Otera’s zero-shot AI delivers higher out-of-the-box accuracy than most market tools with no labeled data required. It’s built to the highest security standards so you can improve performance without introducing privacy risk.

What results have other insurers achieved?

Allianz, for example, is rolling out autonomous operations as part of a broader transformation program and scaling to €300M+ in operational profit by 2027

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What's the deployment timeline?

Production results in 8–12 weeks, with measurable ROI in the first 90 days.

Will this pass security and compliance audits?

Yes. Otera meets GDPR, SOC2, and DORA standards, and deploys in your own cloud for full data sovereignty.

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What processes fit best?

Claims, underwriting, input management, and customer support are excellent starting points, all with complex documents and strict compliance.

What industries use Otera today?

Insurance, financial services, telecom, GBS and manufacturing, where accuracy, control, and compliance are non-negotiable.