Arivonix for Insurance
The judgment is yours. The data should keep up.
Specialized intelligence and agentic AI on a governed data fabric, for insurers, reinsurers, MGAs, and InsurTechs. It connects the data behind underwriting, claims, and compliance and acts on it, so every call holds up when a committee or a regulator asks.
Built for the teams who spend more time finding the data than using it.
30 minutes, on your own data and pipeline.
Enterprise-ready
Built for the most regulated environments.
SOC 2 Type II
Annually audited
ISO 27001
Information security
Your VPC
Deployed in-environment
Customer-managed keys
Your encryption
The problem
Filings move in months. Renewals move every day.
Carriers are absorbing a steady stream of new regulation on core systems built for a slower cycle. Every new filing and circular adds to a backlog the underlying data was never organized to clear. Three numbers show what that costs.
86 %
of carriers call rate analytics critical
Only 56% are satisfied with the systems that deliver it. That gap between what the business needs and what legacy tools provide is the biggest single drag on speed.
BriteCore · 2025 P&C Core Systems Report
$60 B
in insured catastrophe losses, first half of 2024
About 70% came from severe thunderstorms, a peril the traditional models keep underpricing.
Swiss Re Institute
25 %
of CEO-led transformations are rated a success
Most modernization stalls on data integration and change management, well before the technology is the question.
KPMG
None of this is news if you run underwriting or claims at a carrier. The trouble is that the data behind these decisions is spread across bureau circulars, ACORD forms, loss runs, and spreadsheets that go stale the week they are built. That is the part Arivonix fixes.
Use cases
One carrier. Three stages of the same problem.
Each one pairs a platform capability with a stage of the insurance cycle. Most teams start with underwriting and grow from there.
01 · Underwriting and portfolio intelligence
Specialized Intelligence
Give underwriters a pricing-ready file every time.
A state approves a loss cost change, submissions arrive in a dozen formats, and portfolio drift hides until the quarterly review. The judgment is there; the current, portfolio-aware file it needs is not. So underwriters assemble files by hand, and margin leaks on the renewals nobody caught in time.
- Models fine-tuned on your book.
Specialized intelligence reads circulars, filings, and bulletins and returns premium and policies affected, with the dollar impact by line and state, ahead of the deadline.
- Extraction with citations.
Submissions come in from any channel, get parsed, and are scored on appetite, concentration, and broker record, each figure cited back to source.
- Plain-language answers, with a Trust Score.
Ask the book why a line is running hot or where it is over-concentrated, and get the trend and a recommended move, every figure carrying lineage and a Trust Score.
The outcome. A faster submission-to-quote cycle, fewer renewals slipping through, and a portfolio view actuarial and product can act on in weeks.
02 · Claims and expert workflow automation
Agentic AI
Catch leakage and fraud before the money goes out.
Leakage and fraud show up as a pattern across claims, policy rules, and outside risk signals that live in separate systems, usually reconciled after the payment has already cleared. And the experts who need a specific dataset wait behind a central data team, so a question that should take an afternoon takes a sprint.
- Agents watching every claim.
Agentic AI correlates claims, policy rules, and external risk signals across 250+ connected systems and flags fraud and leakage as it happens, with an auditable reason for each flag.
- A no-code canvas for your experts.
Actuaries and underwriters assemble their own research agents from visual parts on the Data Forge canvas, without waiting on central engineering.
- Human-in-the-loop by default.
Every agent action passes an approval gate your team controls, with human validation, a full audit trail, and the controls your auditors expect built into the workflow.
The outcome. Lower loss costs from earlier detection, shorter research cycles for actuarial and underwriting, and less waiting on a central data team.
03 · Regulatory and compliance intelligence
Data Fabric
Make every figure defensible to a regulator.
Regulators, internal audit, and the board all want the same proof: which rule applied, which data was used, and who signed off. That evidence is scattered across systems that were never built to agree, and most regulatory content still arrives as documents someone re-keys by hand.
- One virtualized data layer.
The data fabric connects policy admin, claims, and bureau feeds through 250+ connectors, so the evidence behind any figure sits in one place without copying data.
- Governed data products.
Publish risk scores and policy engines through one-click APIs and dashboards, with policies enforced at the point of distribution.
- Lineage on every inference.
Each figure carries a Trust Score, lineage, and access controls, so a number in a filing or a rate hearing traces back to its data and its approver.
The outcome. Fewer objections per filing, regulatory change adopted into production faster, and audit-ready lineage the moment a reviewer asks.
The platform behind it
Generic AI has never read a bureau circular. This one is built for them.
MIT Project NANDA found that 95% of enterprise generative AI deployments return nothing measurable, and the usual reason is fragmented data and missing workflow integration rather than the model itself. A general model cannot read your policy admin system or weigh rate adequacy against retention. Every Arivonix use case runs on the same four foundations.
Data Fabric
One current view of every core system.
Arivonix connects to policy admin, claims, billing, and bureau feeds through 250+ virtualized connectors and gives one governed, current view. The data stays where it is, and nothing leaves your environment.
One governed viewZero data movement
Specialized Intelligence
Models that speak insurance.
Fine-tuned on insurance terminology, bureau content, and your own policy and claims history. They reach 99% accuracy on complex work like claims adjudication, and every recommendation carries a Trust Score and lineage back to source.
Your policy history
Trust Score on every answer
Agentic AI
Agents your experts build, no code.
Actuaries and domain experts assemble agents and pipelines on the Data Forge canvas, cutting deployment from six months to a week. Approval gates sit at the decision points and every action is logged.
Data Forge canvasHuman-in-the-loop
Trust and governance
Governance your auditors can work with.
Runs inside your own VPC with customer-managed keys, in a SOC 2 Type II and ISO 27001 perimeter. Data lineage and audit trails come standard, so any figure you show a regulator traces back to its source and its approver.
Your VPCCustomer-managed keys
Who we work with
Built for the teams accountable for the book.
Arivonix works with the carriers, reinsurers, and InsurTechs that answer for the book whatever the market does.
Commercial & personal lines carriers
Multi-line books squeezed by regulatory change and loss-cost swings.
Reinsurers & MGAs
Portfolios where cession and capacity calls depend on data other parties hold.
InsurTechs & data product builders
Teams shipping risk scores and policy engines that need governed distribution without a rebuild.
These are teams with core systems they cannot replace on the market’s timeline, regulatory obligations piling up, and pressure to show a return on AI. We work most closely with whoever owns underwriting, data, or transformation, alongside the actuarial, claims, and compliance teams around them.
Why now
Every carrier is piloting AI. Few are getting returns.
The carriers that fix their data foundation now will compound on it for years. The ones that wait will keep re-keying circulars and rebuilding submissions with worse information than their competitors.
61%
of P&C carriers are already exploring or piloting generative AI for claims and service (BriteCore). The ones that turn it into returns are the ones whose data is ready for an agent to act on.
Get started
Bring us the filing you are trying to defend.
Book 30 minutes and bring something real: a loss-cost change you need mapped to your book, or a submission queue you are trying to clear. We will run it on your own data while you watch. No canned demo.
30 minutes, on your own data and pipeline.
SOC 2 Type II · ISO 27001 · Runs in your VPC · Customer-managed keys