Every line of business. Every claim.
Hesper AI runs a full 15-phase investigation on every flagged claim across P&C, specialty, commercial, and consumer lines - in minutes, not weeks. Your entire flagged queue, worked in real time.
How Hesper AI works across each line
Same investigation architecture, vertical-specific evidence gathering. Click any card to see the full workflow for that line of business.
Investigate property fraud from intake to resolution
Staged damage, inflated repair costs, arson indicators, weather exploitation. Hesper runs a full investigation on every property claim - not just the ones your SIU has bandwidth for.
Catch staged accidents and inflated injury claims
Phantom passengers, repair shop collusion, exaggerated injuries. Hesper investigates every auto claim in minutes, not weeks, with 200+ signals per document.
Detect fabricated injuries and exaggerated disability
Medical record fraud, working while claiming, and employer premium avoidance drain the system. Hesper cross-references medical, OSINT, and employment data in minutes.
Catch vet-bill upcoding and pre-existing condition fraud
Pet insurance is the fastest-growing P&C niche - and a soft target for vet-bill upcoding, undisclosed pre-existing conditions, and treatment-plan inflation. Hesper investigates every flagged claim against ACVS, ACVIM, and AAHA standards.
Test staged incidents and exaggerated bodily injury
Manufactured slip-and-falls, professional claimants, and pre-existing conditions presented as new injuries. Hesper maps the network behind a liability file and validates the scene before the demand lands.
Work the fleet file with the evidence the trucks already recorded
A trucking file carries evidence a personal auto claim never has, and counsel often arrives before the police report does. Hesper reads the ELD, telematics and dashcam record and scores litigation risk on day one.
Read the forensics report and build the BI proof of loss
Ransomware, business email compromise, funds transfer fraud and dependent business interruption. Hesper lifts the claim facts out of the DFIR report and tests the loss against sublimits, waiting periods and endorsements.
Reconcile the shipping file and screen every claim for recovery
The most document-heavy line a specialty carrier or MGA writes, and the one where recovery turns on package counts and time bars. Hesper reconciles the paperwork and assembles the carrier demand.
Test the covered reason and offset what the supplier refunded
High volume, low severity, and a stack of receipts per dollar claimed, in whatever format and language they arrive. Hesper reconciles the itinerary, applies the look-back, and resolves the file in minutes.
Set the period of restoration and do the gross earnings math
An adjuster, coverage counsel and a forensic accountant all sit on the same file for months. Hesper confirms the physical damage trigger, reconstructs the restoration period, and measures the loss against filed financials.
18 more lines of business, one architecture
The same 15-phase investigation pipeline adapts across specialty, commercial, life-and-health, and consumer lines. Vertical-specific evidence gathering, shared compliance and integration surface.
Commercial Property
~$10BStructural damage, inventory loss, and arson patterns with financial-stress overlays.
Product Liability
Product defect claim validation, recall-history matching, and injury-mechanism analysis.
D&O Insurance
Directors and officers claim reviews with SEC filing cross-reference and timeline analysis.
E&O / Professional Liability
Errors and omissions claim investigation for professional services and tech E&O.
Employment Practices
EPLI claims with timeline reconstruction, OSINT, and comparator-employee analysis.
Surety Bonds
Bond claim validation, principal financial review, and performance-history tracking.
Aviation Insurance
Aircraft hull and liability claims with FAA record matching and flight data analysis.
Title Insurance
Title defect claims, chain-of-title forensics, and document-forgery detection.
Crop & Agriculture
~$100MYield-loss claims with USDA data, satellite imagery, and historical-yield benchmarking.
Flood (NFIP)
Flood claim validation with FEMA records, NOAA water levels, and damage-timing analysis.
Specialty / Fine Art
Fine art, jewelers block, and inland marine claim authentication and valuation review.
Homeowners
~$24BHO-3 and HO-5 claims with pixel-level damage forensics and loss-history analysis.
Renters Insurance
Theft and liability claim validation for renters, with inventory and receipt forensics.
Pet Insurance
~$350MVeterinary bill review, pre-existing condition detection, and treatment-plan validation.
Life Insurance
~$75BDeath claim validation, beneficiary review, and material-misrepresentation detection.
Disability Income
Short and long-term disability claims with medical review and OSINT evidence gathering.
Health / Medical
~$300BMedical billing fraud, phantom procedures, and provider-collusion network detection.
Dental / Vision
Ancillary benefit claims with procedure-code validation and provider benchmarking.
Don't see your line of business?
The Hesper architecture handles any flagged-claim workflow. Tell us what you're investigating.
Investigation time per claim
Vs. 14+ days manually
Fraud signals analyzed per document
Pixel-level plus text-level
Investigation phases automated
Running in parallel per claim
Annual P&C fraud in the US alone
Across all lines of business
One architecture. Every line of business.
The same investigation pipeline, the same compliance posture, the same integration surface - applied to whatever claims you need investigated.
Works across every P&C line
Auto, property, workers' comp, pet - Hesper's investigation pipeline adapts to each claim type with vertical-specific evidence gathering and fraud-pattern detection.
Sits downstream of your detection stack
FRISS, Shift Technology, Verisk, ISO ClaimSearch, or internal rules engines feed Hesper. We investigate the claims they flag - no rip-and-replace.
Outputs are investigation-ready
Every report includes cited evidence, a reconstructed timeline, network diagrams, and a recommendation. SIU-ready and defensible in litigation.
Human decision authority preserved
Hesper produces findings and recommendations; your investigators review and sign off. NAIC-model-SIU compliant across every jurisdiction.
The research behind the product
Deeper reading on the economics, architecture, and operational shifts behind autonomous AI claims investigation.
See Hesper on your real claims
Bring a sample of flagged claims from any line of business. We'll run them through the full pipeline and show you the investigation reports.
Request a demo →