Comparison
Hesper AI vs Tractable
One estimates legitimate damage. The other investigates suspected fraud.
TL;DR
Tractable uses computer vision to estimate auto and property damage from photos, automating the appraisal step for legitimate claims. Hesper AI runs full investigations on suspected fraud, end-to-end in 2-4 hours. They sit on opposite sides of the claims workflow - Tractable speeds up clear cases, Hesper resolves suspicious ones. Most carriers benefit from both.
On this page
The core difference: estimating vs investigating
Tractable's product is damage appraisal. A claimant uploads photos of their damaged vehicle or property, and Tractable's models return a structured estimate the adjuster can review and approve. The goal is throughput on routine claims. Hesper AI's product is fraud investigation. When a claim looks suspicious - staged accident, exaggerated injury, inflated property loss - Hesper deploys an investigation agent that gathers evidence across 15 phases, cross-references statements, runs document forensics, and produces an audit-ready report. Tractable accelerates the path to payment. Hesper makes sure the path is legitimate.
What Tractable does well
Tractable is the recognized leader in AI-powered claims appraisal. It serves GEICO, Tokio Marine, MS&AD, Admiral, and 30+ other insurers. Its computer vision models have been trained on tens of millions of vehicle damage photos. Strengths: photo-based damage assessment, repair cost prediction, total-loss triage, integration with most major claims platforms, established regulatory acceptance in the US, UK, EU, and Japan. For carriers trying to handle higher claim volumes per adjuster on routine auto and property claims, Tractable is a proven solution.
What Tractable does not do
Tractable does not investigate fraud. It is not built to detect staged accidents, identify medical mills, verify claimant identity beyond the photo submission, cross-reference statements, analyze document authenticity beyond visual review, or generate investigation reports. When a claim is suspicious, Tractable's appraisal can become evidence in a downstream investigation - but the investigation itself happens elsewhere. For carriers losing money to claims that pass automated appraisal but should have been flagged, Tractable is not the fix.
How they work together
The two products are complementary, not competitive. The most common stack: Tractable handles 70-80% of routine auto and property claims through automated appraisal. Claims flagged by detection (FRISS, Shift, or Hesper's built-in detection) route to Hesper for full investigation. Tractable owns the legitimate-claim acceleration; Hesper owns the suspicious-claim resolution. Together they cover both ends of the claims volume problem - speed on the easy ones, depth on the hard ones.
Comparison table
| Dimension | Hesper AI | Tractable |
|---|---|---|
| Primary function | Fraud investigation automation | Auto/property damage estimating |
| Input | Flagged or referred claim | Photos of damage |
| Output | Audit-ready investigation report | Repair cost estimate, total-loss triage |
| Investigation phases | 15 autonomous phases per claim | None - estimating only |
| Time per claim | 2-4 hours (full investigation) | Minutes (estimate) |
| Document forensics | Pre-OCR pixel-level, 200+ fraud signals | Damage detection only |
| Statement analysis | Cross-references all statements | Not included |
| Evidence gathering | NICB, ISO, OSINT, public records | Photo analysis only |
| Lines of business | Auto, property, workers comp, liability, health-adjacent | Auto, property |
| Founded | 2024 | 2014 |
Who should use what
Hesper AI
Carriers losing money to claims that need investigation
- SIU cannot investigate all flagged claims
- Need audit-ready investigation reports
- Fraud spans staged accidents, medical mills, document fraud
- Detection alone is not resolving the problem
Tractable
Carriers trying to scale routine claim throughput
- Auto or property claims volume is the bottleneck
- Adjusters are stuck on estimating, not investigating
- Want to settle legitimate claims faster
- Photo-based intake is already standard
Both together
Carriers handling both volume and fraud exposure
- Tractable speeds up the 70-80% legitimate claims
- Hesper resolves the 10-15% suspicious ones
- Reduces adjuster load on both sides of the workflow
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