Comparison
Hesper AI vs FRISS
One flags fraud. The other investigates it.
TL;DR
FRISS is a fraud detection platform that scores claims for risk. Hesper AI is a fraud investigation platform that takes flagged claims and investigates them end-to-end. They solve different parts of the same problem - and most carriers need both.
On this page
The core difference: detection vs investigation
FRISS assigns risk scores to incoming claims using rules and predictive models. When a claim scores above a threshold, it gets flagged for the SIU. That is where FRISS stops. Hesper AI picks up where FRISS leaves off - taking those flagged claims and running a full investigation: gathering evidence, cross-referencing statements, analyzing documents, reconstructing timelines, and generating an audit-ready investigation report. FRISS tells you something looks suspicious. Hesper tells you why, with evidence.
What FRISS does well
FRISS is the market leader in fraud detection for P&C insurance. Its strengths are real-time risk scoring at the point of FNOL, integration with major claims management platforms (Guidewire, Duck Creek, Sapiens), a large reference database from its 300+ carrier clients, and configurable rule engines. For carriers that need to identify which claims deserve investigation, FRISS is a proven solution. It has been in the market since 2006 and processes millions of claims annually.
The gap FRISS does not fill
FRISS flags roughly 8-12% of claims as suspicious. The problem is what happens next. A flag is not an investigation. Most carriers can only investigate 25-30% of flagged claims due to SIU capacity constraints - meaning 70%+ of FRISS-flagged claims are never investigated. The flag expires, the claim gets paid, and the fraud goes unresolved. This is not a FRISS problem - it is a workflow problem. FRISS does its job. The investigation step after FRISS is where carriers are losing money.
How they work together
The ideal setup is FRISS for detection and Hesper for investigation. FRISS scores incoming claims and flags the suspicious ones. Hesper automatically picks up those flagged claims and deploys an AI investigation agent for each one. No manual handoff, no SIU bottleneck. Every FRISS-flagged claim gets a full investigation within hours instead of sitting in a queue for weeks. Carriers get the best of both: FRISS's detection accuracy and Hesper's investigation throughput.
Comparison table
| Dimension | Hesper AI | FRISS |
|---|---|---|
| Primary function | Fraud investigation automation | Fraud detection and risk scoring |
| What it outputs | Audit-ready investigation reports with evidence | Risk scores and fraud flags |
| Investigation phases | 15 autonomous phases per claim | None - investigation is manual after flagging |
| Time per claim | 2-4 hours (full investigation) | Seconds (risk score only) |
| Evidence gathering | Automated - NICB, ISO, OSINT, documents | References internal data for scoring |
| Document forensics | Pre-OCR pixel-level analysis, 200+ signals | Not included |
| Statement analysis | Cross-references all statements for contradictions | Not included |
| Report generation | Structured report with evidence chain and recommendations | Dashboard alerts and score explanations |
| Founded | 2024 | 2006 |
| Pricing model | Platform fee + per-investigation | Platform fee (volume-based) |
Who should use what
Hesper AI
Carriers that need to investigate flagged claims, not just flag them
- SIU backlog is growing
- Flagged claims expire uninvestigated
- Need audit-ready investigation reports
- Want to investigate 100% of flagged claims
FRISS
Carriers that need better fraud detection and risk scoring at FNOL intake
- No fraud scoring at intake today
- Need real-time risk assessment
- Want configurable detection rules
- Processing high claim volumes
Both together
Carriers that want the full pipeline - detection through investigation
- Flag with FRISS, investigate with Hesper
- Eliminates the gap between detection and resolution
- Highest ROI on fraud spend
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