Hesper AI
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Backed byY CombinatorAfore Capital

AI Claims Processing

Every Claim Investigated, Not Just Processed

Hesper's AI agents resolve clean claims in minutes, give the complex ones the full workup, and your team signs every call.

What is Hesper AI?

Hesper AI is an AI claims resolution platform for property and casualty carriers, TPAs and MGAs. Our agents run every claim from first notice to final recovery, with investigation-grade evidence behind every decision. Clean claims resolve straight through, complex ones get the full workup, and your team keeps the decisions.

Status board

Same flagged claims. Different board.

By hand, about 25% of flagged claims are fully investigated, each investigation takes 14+ days, an investigator works about 10 cases a month, and investigation phases run one at a time. With Hesper, 100% of flagged claims are fully investigated, in minutes, at 800+ cases per investigator a month, with 15+ investigation phases running in parallel.

Hesper internal benchmarks on flagged claims. By-hand figures describe typical manual investigation workflows.

Our manifesto

Insurance is a promise. The claim is the moment the promise is kept - or broken.

01Problem
02Solution
03Impact

Claims Crawl. Costs Climb.

The average property claim still takes 40.7 days from first notice to final payment (J.D. Power 2026). Claims are the largest cost line an insurer manages - and every stage still waits on a human reading documents.

  • Cycle times measured in weeks, not days
  • 5-10% of every claims dollar lost to leakage
  • Adjusters buried under 100+ open files each

We Run the Whole Claim.

AI agents execute every stage from first notice to final recovery. Your team keeps authority over every decision - the agents do the reading, gathering, drafting, and checking.

  • Straight-through resolution for clean claims
  • Investigation-grade workups for complex ones
  • Every action logged, every decision cited

Speed for Policyholders. Control for Claims Teams.

Claims resolve in minutes instead of weeks. Payments and denials carry their evidence. Volume scales without headcount - and your best people spend their time on judgment, not paperwork.

  • Minutes instead of weeks, at every stage
  • Evidence behind every payment and denial
  • Scale claim volume without scaling the team
The lifecycle

One platform. Eight stages.
Zero handoffs.

From the first notice of loss to the last recovered dollar, Hesper's agents run each stage the moment the last one finishes - and hand your team the evidence, not the busywork.

See how it works
  1. 01

    FNOL & Intake

    Omnichannel capture - portal, email, phone, agent

  2. 02

    Triage & Assignment

    Severity, fraud & litigation scoring; clean claims go straight through

  3. 03

    Coverage

    Full policy & endorsement analysis, cited coverage position

  4. 04

    Investigation

    Complete evidence workup in minutes, not weeks

  5. 05

    Estimation & Valuation

    Damage quantified from photos and documents

  6. 06

    Settlement

    Demand packages digested, valuations benchmarked

  7. 07

    Payment & Closure

    Correct payee stack; anomalies caught before release

  8. 08

    Recovery

    Every file screened for subrogation & salvage

The stack we integrate with

Plugs into the stack you already run.

GuidewireDuck CreekMajescoSapiensOrigami RiskSnapsheetBriteCoreGuidewireDuck CreekMajescoSapiensOrigami RiskSnapsheetBriteCore
VeriskISO ClaimSearchXactimateCCCMitchellLexisNexis RiskFRISSShift TechnologyVeriskISO ClaimSearchXactimateCCCMitchellLexisNexis RiskFRISSShift Technology
The diagnostic

Where your claims dollar leaks.

Set your book, flip to Hesper, watch the dollars come back. Directional - built on EY and NAIC benchmarks.

Claims per year16K
Average severity$8K
Back on your loss ratio
$8.8M /yr

Evidence-checked payments plus recovery screened on every file.

Claims paid · $122.5M /yr● With Hesper
PAID CORRECTLY$113.8MLEAKAGE ▾55%$4.4MRECOVERY MISSED$857KRECOVERED$3.4M
EY leakage benchmarks · NAIC recovery data · directionalGet your real number
Lines & segments

One platform for every line.

Built for
CarriersTPAsMGAsSelf-insured
Security & governance

Built for regulated industry.

SOC 2HIPAA

SOC 2 and HIPAA compliant

Customer-controlled retention - claim file data and investigation output are kept for your subscription term and deleted on your written instruction.

Encrypted end to end

All data encrypted in transit and at rest. GDPR-ready processing across every stage of the claim.

Auditable by design

Every AI action logged, every decision cited. Files are defensible to regulators, reinsurers, and courts.

No rip-and-replace

API integration with the core systems you already run. Hesper picks a claim up at FNOL or at any stage in between.

FAQ

Questions claims leaders ask.

Hesper AI is an AI claims resolution platform for property and casualty carriers, TPAs and MGAs. Its agents run every stage of a claim, from first notice of loss through triage, coverage, investigation, estimation, settlement and payment to subrogation recovery, with investigation-grade evidence behind every decision. Clean claims resolve straight through; suspicious claims get the full workup, and your team keeps the decisions.

Hesper connects to your claims management system (Guidewire, Duck Creek, Majesco, or others) via API and can pick up a claim at any stage - at FNOL for full-lifecycle handling, or mid-stream for investigation, settlement review, or recovery screening. No rip-and-replace required.

No. Hesper's agents do the legwork at every stage - intake extraction, evidence gathering, coverage analysis, demand digestion - and your team keeps decision authority. Adjusters and investigators review evidence-backed files instead of building them.

Property & casualty across personal and commercial lines: auto/motor, property, workers' compensation, general liability, and pet. The agents adapt their workflow to each claim type - for carriers, TPAs, MGAs, and self-insured programs.

Clean claims resolve straight through in minutes. Claims that need scrutiny get a complete investigation-grade workup in minutes as well - not the weeks a manual investigation takes. Cycle time compresses at every stage, not just one.

An executive summary, complete evidence package with source documentation, timeline reconstruction, statement analysis with identified inconsistencies, coverage position, risk scoring with rationale, and recommended next actions. Exportable as PDF or via API - audit-ready for regulators and reinsurers.

We're SOC 2 and HIPAA compliant, GDPR-ready, and all data is encrypted in transit and at rest. Claim file data and investigation output are retained for the duration of your subscription term unless you instruct otherwise in writing, and we never train models on your data.

Pricing is scoped to your book: lines of business, claim volume, and which agents you deploy. Book a demo and we'll walk through the economics for your claims operation and give you a real number.

Move every claim forward.

Book a demo
Claims automation research, monthly:
Backed byY CombinatorAfore Capital
AI Claims ProcessingEvery Claim Investigated, Not Just Processed

Hesper's AI agents resolve clean claims in minutes, give the complex ones the full workup, and your team signs every call.

Book a demoHow it works ↓

What is Hesper AI?

Hesper AI is an AI claims resolution platform for property and casualty carriers, TPAs and MGAs. Our agents run every claim from first notice to final recovery, with investigation-grade evidence behind every decision. Clean claims resolve straight through, complex ones get the full workup, and your team keeps the decisions.

Status board

Same flagged claims. Different board.

By hand, about 25% of flagged claims are fully investigated, each investigation takes 14+ days, an investigator works about 10 cases a month, and investigation phases run one at a time. With Hesper, 100% of flagged claims are fully investigated, in minutes, at 800+ cases per investigator a month, with 15+ investigation phases running in parallel.

Hesper internal benchmarks on flagged claims. By-hand figures describe typical manual investigation workflows.

Why now
40.7 d

First notice to final payment, property claims (J.D. Power 2026)

5-10%

Of every claims dollar lost to leakage

100+

Open files per adjuster

Our manifesto

Insurance is a promise. The claim is the moment the promise is kept, or broken.

Read our manifesto →
How it works

One platform. Eight stages. Zero handoffs.

From the first notice of loss to the last recovered dollar, Hesper's agents run each stage the moment the last one finishes - and hand your team the evidence, not the busywork.

See how it works
  1. 01

    FNOL & Intake

    Omnichannel capture - portal, email, phone, agent

  2. 02

    Triage & Assignment

    Severity, fraud & litigation scoring; clean claims go straight through

  3. 03

    Coverage

    Full policy & endorsement analysis, cited coverage position

  4. 04

    Investigation

    Complete evidence workup in minutes, not weeks

  5. 05

    Estimation & Valuation

    Damage quantified from photos and documents

  6. 06

    Settlement

    Demand packages digested, valuations benchmarked

  7. 07

    Payment & Closure

    Correct payee stack; anomalies caught before release

  8. 08

    Recovery

    Every file screened for subrogation & salvage

Leakage

Where your claims dollar leaks.

5-10%

Of every claims dollar leaks before it reaches the claimant: overpayment, missed recovery, fraud that was never worked. See what that is on your book.

Run the numbers →
Lines of business

One platform for every line.

01AutoFNOL to appraisal to subrogation, with staged-accident detection built in.
02PropertyCAT-surge intake, estimate review, contents valuation, arson and inflation flags.
03HomeownersWater, wind, and fire losses. Photo-based scoping, ALE tracking, contractor checks.
04Workers' CompInjury intake, medical records processing, return-to-work tracking.
05PetHigh-volume straight-through adjudication with upcoding checks.
Trust

Built for regulated industry.

SOC 2HIPAA
SOC 2 and HIPAA compliantCustomer-controlled retention. Claim data and investigation output are kept for your subscription term and deleted on your written instruction.
Encrypted end to endAll data encrypted in transit and at rest. GDPR-ready processing across every stage of the claim.
Auditable by designEvery AI action logged, every decision cited. Files are defensible to regulators, reinsurers, and courts.
No rip-and-replaceAPI integration with the core systems you already run. Hesper picks a claim up at FNOL or at any stage in between.

Move every claim forward.

Bring your messiest claim. We'll show you the workup.

Book a demoEmail us