The AI claims automation platform for carriers, TPAs and MGAs
Hesper AI is an AI claims resolution platform. Its agents run every stage of a property and casualty claim, from first notice of loss through triage, coverage, investigation, estimation, settlement, payment and subrogation recovery, with investigation-grade evidence behind every decision. Clean claims resolve straight through; suspicious claims get the full workup. Your team keeps the decisions.
Book a demo of Hesper's claims agentsWhat does Hesper automate at each stage?
Eight stages, one platform, no handoffs between point solutions. The evidence gathered at one stage is the evidence the next stage decides on.
FNOL & intake
Capture from portal, email, phone or agent; extraction from ACORD forms and photos; the claim created in your core system.
Triage & assignment
Severity, litigation and fraud risk scored together; clean claims routed straight through; the rest assigned by licence, skill and load.
Coverage verification
Policy and endorsement analysis, cited coverage positions, drafted reservation-of-rights and coverage letters.
Investigation & evidence
15+ phases in parallel on suspicious claims, with fraud detection built in and a sourced evidence file at the end.
Estimation & valuation
Damage quantified from photos and documents, supplements reviewed, reserve recommendations put in front of the adjuster.
Settlement
Demand packages digested, valuations benchmarked, responses drafted, litigation risk flagged early.
Payment & closure
Payee verification and anomaly checks before money moves, then closure.
Recovery
Every file screened for subrogation and salvage, opportunities ranked with evidence, demands drafted.
How deep does the investigation go?
Suspicious claims get the depth built for SIU work. A dedicated agent runs every phase a human investigator would, from initial triage through case resolution and regulatory filings, and the same evidence engine stands behind coverage positions, settlement valuations and recovery demands. See the fraud investigation module and claim file review.
Intake & Planning
Triage & Red Flag Detection
Initial screening identifies high-risk indicators and prioritizes cases by severity and potential exposure
Investigation Planning
Generates a structured investigation plan based on detected red flags, document types, and claim characteristics
Document Collection & Review
Aggregates all submitted documents, performs forensic analysis, and flags inconsistencies across the full document set
Verification & Research
Database & Index Bureau Checks
Queries NICB, ISO ClaimSearch, DMV, NMVTIS, and other industry databases for prior claims, stolen vehicles, and known fraud indicators
Entity & Context Verification
Validates claimant identities, business registrations, professional licenses, and claimed relationships against authoritative records
Background Investigation
Researches claimant history, prior claims, litigation records, and financial indicators relevant to the claim
Social Media & OSINT
Scans public social media, online marketplaces, and open-source intelligence for information that contradicts or supports the claim
Field & Forensic Analysis
Physical Surveillance
Geo-fencing analysis, scheduling optimization, and pattern analysis for cases requiring physical verification
Scene Investigation
Analyzes photos, videos, and location data from loss scenes to verify consistency with reported events
Interviews & Recorded Statements
Transcript analysis of recorded statements, detecting inconsistencies, rehearsed language, and deception indicators
EUO Preparation
Generates examination under oath preparation materials based on detected inconsistencies and investigation findings
Forensic Analysis
Deep forensic review including forgery detection, billing anomaly analysis, and forensic accounting on financial documents
Resolution & Reporting
Network & Ring Analysis
Maps shared doctors, lawyers, body shops, and other service providers to identify organized fraud rings
Case Narrative & Report Assembly
Compiles all findings into a structured, evidence-backed case narrative ready for review and action
Resolution & Referral
Produces denial justifications, SAR filings, compliance documentation, and referral packages for law enforcement
What does the evidence file contain?
Every investigation produces structured, evidence-backed outputs. No more manually compiling case files or drafting denial letters - Hesper AI delivers everything ready for review, submission, or legal proceedings.
Investigation Report
Structured, evidence-backed narrative covering every phase of the investigation. Each finding includes source references, confidence scores, and supporting evidence.
- Executive summary with verdict
- Chronological findings timeline
- Per-phase analysis with evidence citations
- Risk scoring with confidence intervals
Evidence Package
Exportable bundle of all supporting materials organized for compliance review, legal proceedings, or regulatory filings.
- Annotated document forensics with pixel coordinates
- Database verification results
- OSINT findings with source URLs
- Network analysis maps
Compliance & Regulatory
Pre-formatted outputs for regulatory submissions and internal compliance workflows.
- SAR filing drafts
- Denial justification letters
- Audit trail and decision log
- Law enforcement referral packages
Claims Investigated
1,247
+18% MoM
Fraud Confirmed
312
25% hit rate
Avg. Resolution Time
Minutes
vs 14+ days manual
Savings Identified
$4.2M
This quarter
Recent Investigations
Fraud by Category
How does Hesper fit your claims stack?
Hesper AI works downstream of your existing fraud detection tools and integrates directly with your claims management system. Detection tools flag suspicious claims - Hesper AI investigates them.
Detection Layer
Investigation Layer
Hesper AI
15-phase investigation
Claims Management
Claims Management Systems
Guidewire ClaimCenter
Push investigation results directly into Guidewire workflows. Hesper AI reads claim data and attaches completed reports to the claim file.
Duck Creek Claims
Bi-directional integration with Duck Creek's claims management platform. Trigger investigations on new claims, return results in-platform.
Majesco ClaimVantage
Connect Hesper AI to Majesco's cloud-native claims platform for automated investigation on flagged claims.
Fraud Detection Tools
FRISS
When FRISS flags a claim as high-risk, Hesper AI picks up the investigation. FRISS scores the risk - Hesper AI proves it.
Shift Technology
Shift detects anomalies and patterns. Hesper AI investigates the flagged claims end-to-end and produces audit-ready reports.
Verisk / ISO ClaimSearch
Hesper AI queries Verisk databases during investigation and complements their detection scoring with full investigation workflows.
How is claim data handled?
Insurance data is sensitive. Claim file data and investigation output are retained for the duration of your subscription term unless you instruct otherwise in writing - never used for training, and never shared beyond your compliance boundary.
SOC 2
CompliantIndependently audited security controls, implemented and operational across all infrastructure.
Customer-Controlled Retention
ActiveClaim file data and investigation output are retained for the duration of the subscription term unless you instruct otherwise in writing. Hesper AI never trains models on your data.
HIPAA
CompliantBusiness Associate Agreement where protected health information is in scope. GDPR-ready architecture from day one, with a data processing agreement, right-to-deletion support, and isolated processing environments.
Encryption in Transit & at Rest
ActiveAll data is encrypted with TLS 1.3 in transit. Infrastructure uses AES-256 encryption at rest.
Frequently asked questions
What is Hesper AI?
Hesper AI is an AI claims resolution platform for P&C carriers, TPAs and MGAs. Its agents run the claim across eight stages, from first notice of loss to subrogation recovery, resolving clean claims straight through and giving suspicious claims an investigation-grade workup, with a sourced audit trail behind every decision.
Which stages of the claim does Hesper automate?
All eight: FNOL and intake, triage and assignment, coverage verification, investigation and evidence, estimation and valuation, settlement, payment and closure, and subrogation and salvage recovery. Hesper can take a claim at first notice or pick one up mid-stream at any stage.
Does Hesper replace adjusters or SIU investigators?
No. The agents do the legwork at every stage - intake extraction, evidence gathering, coverage analysis, demand digestion, recovery screening - and your team keeps decision authority. Adjusters and investigators review evidence-backed files instead of building them.
What systems does Hesper integrate with?
Your claims system of record through its API: Guidewire, Duck Creek, Majesco and others. There is no rip-and-replace, and Hesper works alongside detection vendors such as FRISS, Shift or Verisk where a carrier already runs them.
How is claim data handled?
We are SOC 2 and HIPAA compliant, GDPR-ready, and all data is encrypted in transit and at rest. Claim file data and investigation output are retained for the duration of your subscription term unless you instruct otherwise in writing, and we never train models on your data.
How is Hesper priced?
Pricing is scoped to your book: lines of business, claim volume, and which agents you deploy. Book a demo and we will walk through the economics for your claims operation and give you a real number.
Book a demo of Hesper's claims agents
A 30-minute walkthrough on your claim types, from first notice of loss to recovery. Bring your own documents and we will run them.
Request Demo