AI-Enabled Insurance Platforms That Deliver Results

AI-enabled insurance platforms streamlining underwriting, automating claims processes, and enhancing customer engagement while maintaining regulatory compliance.

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Technology Solutions for Modern Insurers

We build intelligent insurance systems that automate underwriting decisions, accelerate claims handling, and create personalized customer experiences. Our solutions help insurers reduce combined ratios, improve loss accuracy, and scale operations without proportional headcount growth.

AI-Powered Underwriting
AI-Powered Underwriting
Automate risk assessment with machine learning models that analyze applications, medical records, and third-party data to deliver faster, more accurate underwriting decisions.
Claims Automation
Claims Automation
Streamline claims processing from FNOL to settlement. AI triages claims, extracts data from documents, detects potential fraud, and routes cases for faster resolution.
Fraud Detection
Fraud Detection
Identify fraudulent claims using pattern recognition, network analysis, and behavioral scoring. Reduce fraud losses while maintaining a smooth experience for legitimate claimants.
Policy Administration Systems
Policy Administration Systems
Modernize legacy policy admin platforms with flexible, API-first architectures. Enable rapid product launches, automated renewals, and real-time policy servicing.
Customer Self-Service Portals
Customer Self-Service Portals
Empower policyholders with intuitive digital portals for purchasing, managing policies, filing claims, and tracking status. Reduce call center volume while improving satisfaction.
Telematics & IoT Integration
Telematics & IoT Integration
Connect vehicle telematics, wearable devices, and smart home sensors to create usage-based insurance products with dynamic, personalized pricing.
Actuarial Analytics Platform
Actuarial Analytics Platform
Provide actuarial teams with AI-augmented tools for loss forecasting, reserve estimation, and pricing optimization. Improve accuracy while reducing manual modeling effort.
Regulatory Reporting
Regulatory Reporting
Automate Solvency II, IFRS 17, and local regulatory reporting with systems that aggregate data, apply calculations, and generate submission-ready outputs.

Our Track Record in Insurance Technology

15+
Years of Experience
85+
Clutch Reviews
4.9
Clutch Score
Karol Stępień
Karol Stępień
CEO, 10Clouds Financial Institutions

Transform Your Insurance Operations with AI

Discover how intelligent automation can reduce claims processing time, improve underwriting accuracy, and enhance the policyholder experience.

SCHEDULE A CONSULTATION

AI Applications Reshaping the Insurance Value Chain

Straight-Through Claims Processing
Straight-Through Claims Processing

Enable end-to-end claims automation for straightforward cases. AI validates coverage, assesses damage from photos, and triggers payments automatically, reducing settlement time from weeks to hours.

Predictive Loss Modeling
Predictive Loss Modeling

Leverage machine learning to forecast loss trends and identify emerging risks. Improve reserve accuracy and make proactive portfolio adjustments before losses materialize.

Personalized Product Recommendations
Personalized Product Recommendations

Use behavioral and demographic data to recommend the right coverage at the right time. AI-driven cross-sell and upsell increase premium revenue while improving customer retention.

Document Intelligence for Claims
Document Intelligence for Claims

Automatically extract and validate information from medical reports, repair estimates, police reports, and invoices. Reduce manual data entry and accelerate adjudication timelines.

We are appreciated by the largest industries

Top AI Company 2025

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Top Generative AI Company 2025

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Among Top 1000 Companies of 2024

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Top 15 Design Team in the World

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10Clouds: Your Trusted Partner for Insurance Innovation

Insurance Domain

Expertise

Our teams understand the insurance value chain from product design through claims settlement. We speak the language of actuaries, underwriters, and claims managers, ensuring solutions fit real operational needs.

Regulatory-First

Development Approach

We build with Solvency II, IFRS 17, GDPR, and local insurance regulations in mind from the start. Compliance is architected into the system, not bolted on as an afterthought.

Legacy System

Integration Expertise

Most insurers run on complex legacy stacks. We specialize in connecting modern AI solutions to existing policy admin, claims, and billing systems through well-designed APIs and middleware.

Data-Driven

Decision Making

We help insurers unlock value from their data assets. From actuarial modeling to customer analytics, our solutions turn raw data into actionable insights that improve business outcomes.

Rapid Proof

of Concept Delivery

We validate AI use cases quickly with focused proof-of-concept projects. Demonstrate ROI to stakeholders before committing to full-scale implementation.

See Our Work in Action

Explore how we build intelligent systems for financial services clients.

Trust Stamp

TrustStamp is a computer vision and biometric startup that provides identity and trust as a Service to answer two fundamental questions: “Who are you?” and “Do I trust you?”. 10Clouds has been providing a staff augmentation service for TrustStamp for over 5 years.

Machine Learning
Python Backend
UX/UI
Team Extension
Team Extension
Trust Stamp case study image

Choose the Engagement Model for Your Insurance Platform

InsurTech Team Augmentation

Strengthen your in-house team with specialists in AI, claims automation, or policy system modernization. Get the expertise you need without long recruitment timelines.

Managed Insurance Module

Delegate a specific capability like claims automation, fraud detection, or customer self-service to our team. We manage the entire delivery from design to deployment.

End-to-End Insurance Platform

We design and build complete insurance technology platforms from underwriting engines to customer portals, ready for production scale and regulatory compliance.

Karol Stępień
Karol Stępień
CEO, 10Clouds Financial Institutions

Ready to Modernize Your Insurance Operations?

Our insurance technology specialists help you automate claims, improve underwriting accuracy, and deliver digital-first customer experiences.

TELL US YOUR GOALS

Meet the Team Behind Your Insurance Solution

Our AI engineers, designers, and domain specialists bring the expertise needed to transform insurance operations.

Maciej Cielecki
Maciej Cielecki
Head of AI, Co-founder at 10Clouds

What Our Clients Say About Working With Us

We have 85+ reviews with an average score of
4.9
10Clouds has a unique approach to the customer and his needs. It easily adapts to the client's expectations and delivers the high quality product, while offering the support of professionals.
Katarzyna Skibińska
Operations Manager at TransactionLink
We also specified that we wanted to focus more on the design aspects and the look and feel of the product rather than on user testing or extensive wireframing, as we have already done some work on that ourselves. 10Cloud worked professionally with us on this and created a deliverable that was exactly what we wished for and even more.
Tristan Kennedy
Founder at Highfive Finance
I think their design skills are very impressive, and the thinking they brought to the project exceeded my expectations.
Anonymous Client
Senior Advisor

Contact Us

Book a free strategy session to explore how AI can transform your insurance operations and improve customer outcomes.