Insurance is a promise. The claim is the moment the promise is kept - or broken.
Today that moment takes twenty-four days, leaks five to ten percent of every dollar, and decides whether the policyholder ever renews. Claims teams didn't get slower - claims got heavier. More documents, more regulation, more fraud, more litigation, while every stage still waits on a human reading paper.
Hesper turns the claim itself into software. Every stage runs the moment the last one finishes. Every decision carries its evidence. People handle judgment, not paperwork.
Claims Crawl. Costs Climb.
Property cycle times sit at a record 23.9 days and claims satisfaction at a seven-year low. Claims are the largest cost line an insurer manages - and every stage still waits on a human reading documents.
- Record cycle times across every line of business
- 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 suspicious ones
- Every action logged, every decision cited
Speed for Policyholders. Control for Claims Teams.
Claims resolve in hours instead of weeks. Payments and denials carry their evidence. Volume scales without headcount - and your best people spend their time on judgment, not paperwork.
- Hours instead of weeks, at every stage
- Evidence behind every payment and denial
- Scale claim volume without scaling the team
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.
FNOL & Intake
- Omnichannel capture - portal, email, phone, agent
- Extraction from ACORD forms, emails, photos
- Claim created in your core system, severity flagged
Triage & Assignment
- Severity, fraud & litigation scoring in minutes
- Straight-through routing for clean claims
- Right adjuster by license, skill, and load
Coverage
- Full policy & endorsement analysis
- Cited coverage position on the loss facts
- ROR and coverage letters drafted
Investigation
- Complete evidence workup in hours, not weeks
- Records pulled, summarized, cross-checked
- Fraud detection built into every claim
Estimation & Valuation
- Damage quantified from photos and documents
- Supplements adjudicated against original scope
- Reserves recommended and kept current
Settlement
- Demand packages digested in hours
- Valuations benchmarked, responses drafted
- Litigation risk flagged early
Payment & Closure
- Correct amount and payee stack computed
- Anomalies caught before release
- File closed the moment obligations are met
Recovery
- Every file screened for subrogation & salvage
- Demands and arbitration filings auto-drafted
- Missed dollars found and pursued
$15B in recoverable dollars goes uncollected every year. Hesper screens every file for it.
NAIC · Journal of Insurance RegulationClaims, before and after Hesper.
- 23.9-day average property claim, and climbing
- Adjusters chase documents across weeks of email
- 5-10% of every claims dollar leaks
- Suspicious claims wait weeks for investigation
- Recovery spotted only when someone notices
- Scale means headcount
- Clean claims resolve in hours, straight through
- Evidence gathered the moment the claim arrives
- Every dollar checked against the evidence file
- Investigation-grade workup in hours, not weeks
- Every file screened for subrogation and salvage
- Scale means software
The only claims AI with an investigation engine inside.
Every automation vendor routes the hard claims to humans. Hesper works them. Built-in fraud detection plus a 15-phase investigation engine means every claim gets SIU-grade scrutiny - not just the flagged few.
- Document forensics, statement cross-referencing, timeline reconstruction
- SIU referral packages and NICB / DOI-ready reporting
- Works standalone or downstream of FRISS, Shift, and Verisk
AI claims automation that
actually works.
Built to answer the four questions every claims leader asks - at pilot, at renewal, and every day on the desk.
Every page, read end to end.
A claim file is often a thousand pages from a hundred sources - FNOL notes, medical records, legal demands, photos, recorded statements, handwritten notes. Hesper reads across all of it, connects the pieces into one story, and surfaces the contradictions and gaps. Straightforward claims move faster; the harder ones get the depth they deserve.
One platform for every line.
Where your claims dollar leaks.
Set your book, flip to Hesper, watch the dollars come back. Directional - built on EY and NAIC benchmarks.
Evidence-checked payments plus recovery screened on every file.
Built for regulated industry.
SOC 2 certified
Zero long-term data retention - claim data isn't stored beyond the active engagement unless you configure otherwise.
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.