Custom built for your operations
Automate claims intake, verification, and field ops
Send us your (anonymized) documents and we'll show you what automation looks like on your actual data in 24 hours, for free. If it works, we can build and deploy in 8-16 weeks.
No platform subscriptions. No per-claim pricing
Custom-built for your carriers, your workflows, your systems
Full source code ownership from day one
Built for Your Type of Operation
You're processing 50,000 to 500,000 claims a year across multiple carriers, each with their own pricing rules, compliance requirements, and SLA commitments. Your margin depends on operational efficiency your clients never see.
- Intake automation that routes claims to the right team per carrier - without manual triage
- Estimate verification built around your specific carrier price guides, not generic benchmarks
- SLA tracking that catches violations before they happen, not after the carrier calls
- Field documentation that cuts your re-inspection rate by 60%+
You own the code. No per-claim pricing. No license that scales against your volume.
You handle claims in-house, which means you carry the full operational cost - and you're competing against carriers with larger IT budgets and longer runways.
- Document Intelligence AI tools that handle all your claim types without requiring three different vendor integrations
- Fraud detection that surfaces cross-claim patterns your adjusters don't have time to find manually
- Analytics-ready data infrastructure so leadership has real-time visibility into claims performance
Deployed in your environment - on-premise, hybrid, or cloud - with full data sovereignty. No processing sent to third-party APIs unless you choose it.
You're under pressure to demonstrate operational leverage before the next hold review. Manual processes are a line item your investors can see.
- Fast-cycle implementations: meaningful automation live in 8–16 weeks, not 18 months
- ROI that shows in your next reporting period - cost-per-claim reduction, headcount reallocation, supplement rate improvement
- No recurring license drag on your EBITDA - you own the software
Built to move at PE speed - not enterprise consulting timelines.
Eliminate claims bottlenecks without replacing your core systems
Five proven patterns from real claims operations. Each one configured for your carriers, integrated with your systems, and delivered as code you own.
Intelligent Document Intake
Email monitoring → OCR extraction from attachments → carrier identification → missing document detection → automated ticket creation → routing to the right team.
Estimate Verification
PDF estimate parsing → carrier pricing database (your carriers, your rates) → automated comparison → visual diff showing violations → supervisor approval workflow → audit trail.
Field Documentation System
Mobile-optimized web app with dynamic photo checklists → real-time photo quality validation → voice-to-text notes → offline capability → automatic report generation → sync to claims system.
Field Force Management
Real-time adjuster location and status tracking → SLA countdown timers per carrier → automated escalation (SMS, email, voicebot) before violations → intelligent assignment by location and capacity → management dashboard.
Fraud Signal Detection
Two options: knowledge-retrieval AI (lightweight, 8–12 weeks) or graph database with ML pipeline scoring every new claim (advanced, 14–20 weeks). Surfaces cross-claim patterns individual adjusters can't see.
Design Your Custom Pattern
Don't see your specific bottleneck? Connect with our team to map a targeted solution for your unique operations. Process audit → technical review → custom deployment plan.
Measurable impact
Test Before You Commit
We don't ask you to take our word for it.
Coming soon
Open Source OCR Engine - Free
If we don't hit 80%+ accuracy on digital documents, you get a full refund plus €2K for your time.
Credits apply toward your full build.
Personalized 24-Hour Demo - Free
- Extraction accuracy on your document types
- Time savings calculation against your current process
- ROI estimate and integration recommendations
50 claims emails, 20 damage videos, or 100 forms. We turn it around in 24 hours.
Integration Sprint - €20K, 4 Weeks
If we don't hit 80%+ accuracy on digital documents, you get a full refund plus €2K for your time.
Credits apply toward your full build.
Built for Your Type of Claims
Every insurance vertical has its own document types, field workflows, and fraud patterns.
Motor / Auto
The field is where motor claims are won or lost. Incomplete damage photos, missing VINs, and inconsistent inspection reports create re-inspection rates that quietly eat your margins.
- Field agents capture damage photos, VINs, and measurements via mobile - with real-time validation before they leave the scene. AI checks photo quality, completeness, and flags missing data on-site.
- Estimate desks run carrier pricing comparison automatically. When a body shop submits a quote, it's cross-referenced against your carrier guidelines and regional labor rates in under 5 minutes - not 90.
- Fraud teams get network analysis across claimants, body shops, and attorneys - surfacing repeat relationships and inflated estimates that individual adjusters can't see across hundreds of claims.
Property & Casualty
P&C claims arrive as a chaos of PDFs, emails, contractor quotes, and photos across dozens of carriers. Someone is reading and sorting every one of them.
- Intake automation monitors your claim mailboxes, extracts structured data from attachments, identifies the carrier, and creates tickets in your claims system - without a human touching the email. Missing documents get flagged automatically.
- Contractor estimate verification compares rebuild quotes against insured values, regional labor costs, and materials pricing - flagging outliers before approval.
- Document classification handles your full document universe: loss notices, inspection reports, invoices, surveys - routed and filed automatically.
Health
Health claims generate high document volume with rigid compliance requirements. Coding errors, missing authorizations, and manual EOB reconciliation create cost and audit risk.
- Medical document intake classifies and extracts from claims forms, EOBs, prior auth requests, and clinical records - handling the variation in provider submission formats.
- Workflow routing moves claims to the right review queue based on claim type, provider, and benefit category - without manual reading.
- Exception flagging catches duplicate submissions, billing code anomalies, and out-of-network indicators before payout.
Travel
Travel claims require fast resolution and involve the most document variety per claim: flight records, medical bills, hotel receipts, cancellation notices, police reports.
- Multi-document intake processes the full claim package in one pass - extracting, classifying, and validating each document type automatically.
- Rapid turnaround processing cuts days-to-close on straightforward claims, freeing adjuster time for complex cases
- Repeat claimant detection connects claim history across policies and travel dates to surface suspicious patterns.
Commercial Lines / Fleet
Fleet and commercial claims combine high volume with multi-policy complexity - one incident can touch vehicle coverage, liability, business interruption, and cargo in a single event.
- Multi-carrier processing handles the document requirements and pricing rules for each carrier in your book, without manual switching between systems.
- Fleet vehicle tracking maintains damage and repair history per vehicle, enabling accurate repeat-damage identification and cost benchmarking.
- Business interruption documentation extracts and validates financial records against policy language - reducing the manual investigation burden on senior adjusters.
Trusted by Leaders of Insurance industry
UNIQA Poland - AI for Insurance Operations
Designed and delivered AI-powered tools for call center operations and sales process optimization at the Polish division of one of CEE's leading insurance groups. Engagement covered business analysis, solution design, and implementation of practical AI automation.
poland
Zego (Extracover) - Motor Insurance
Migrated millions of motor policy records from a monolithic system to Snowflake - normalizing data across multiple databases to power high-availability reporting and downstream systems with materially reduced latency.
UK
Zinnia (Policygenius) - L&A Insurance, PE-backed
Merged terabytes of insurance and call center data from multiple warehouses, automated ingestion pipelines, and replaced a legacy broker communication system with a custom dbt/BigQuery build - cutting licensing costs while establishing a single source of truth for analytics.
United Kingdom
A reliable partner for the insurance sector
Even though we believe that our work speaks for itself, we are always grateful for words of appreciation from our clients.
Client
testimonial
STX Next's development efforts have been so successful, and the DevOps team is incredibly proactive and communicative.
BuildFax (Verisk)
Client
testimonial
They are able to translate complex challenges into clear, executable plans.
STX Next combines deep expertise and reliability with a strong ability to apply artificial intelligence in a practical way to improve business processes.
Head of Bancassurance & Affinity Sales,
UNIQA
Client
testimonial
We gave them a very high-level brief and left the rest in their hands. The app works perfectly, and they came in on time, on budget, with no outstanding issues.
Hartford Consulting
We Adapt to Your Environment
AWS
Azure
GCP
snowflake
Guidewire
Duck Creek
Deployment
On-premise · Hybrid cloud · Full cloud (AWS, Azure, or GCP)
Integration
REST APIs · SFTP · Database replication · Webhooks · Pre-built Guidewire and Duck Creek adapters · Custom connectors for proprietary systems
What you own
Complete source code with modification rights. All configuration and deployment scripts. No vendor dependency. Hire anyone to maintain it.
Ready to Test It With Your Data?
You don't need to make a decision today. Send us your documents. We'll show you what's possible, no commitment.
Get Your Free 24-Hour Demo
FAQ
Do you work with TPAs specifically?
Yes. Our primary market is TPAs processing 50K–500K claims annually. We've designed our solution patterns around TPA operational structures - multi-carrier workflows, per-carrier SLAs, and the margin pressure that comes with high volume and thin spreads. We've also completed discovery and POC engagements with leading European TPA operations (names withheld by request).
Can you integrate with our existing claims system?
Yes. We build adapters for Guidewire, Duck Creek, and proprietary systems. We integrate via REST API, SFTP, database replication, or webhooks - whatever your environment supports. We adapt to you, not the other way around.
What if our data can't leave our infrastructure?
Full on-premise deployment is our default for European insurance clients. All processing runs on your hardware. No data sent to third-party APIs. This is especially important for DACH clients with data sovereignty requirements.
How is this different from buying a claims AI platform?
You own the code. No recurring license fees. No per-claim pricing that scales against your volume. You can modify it, extend it, and hand it to any development team - including an in-house team - to maintain.
What's the minimum engagement?
Start with the free 24-hour demo. If you want to test in your actual environment, the integration sprint is €20K for two weeks with an 80% accuracy guarantee. If we don't hit it, full refund plus €2K.
What claim types do you support?
Motor, property & casualty, liability, health, travel, and commercial lines including fleet and business interruption. The accelerator patterns apply across claim types - what changes is the configuration, document vocabulary, and carrier rules.
How quickly will we see ROI?
Most clients see measurable impact within the first reporting period after go-live. For intake automation (the most common starting point), that means reduced processing time and headcount reallocation within 2–3 months of project kick-off. The 24-hour demo includes an ROI estimate specific to your operation.
Which geographies do you serve?
Primary markets: Poland, UK, DACH. We have offices in London and Eschborn (Germany) in addition to our delivery centers in Poznań.
