Observe · activity log.
Department, role, what they did, and what Observe made of it.
liveopen log ↗
Enterprise AI
for Insurance
Where claims, underwriting and servicing turn into finished work, end to end.
Claims
Cycle time, supplements and leakage traced to the step. The call before the dispute, written as the SOP.
Underwriting
What the best underwriter checks before quoting. Cited from the submission, the loss runs and the guidelines.
Policy servicing
Renewals and endorsements cleared same day. Broker questions answered from the record.
What changes
Hours back to your team.
Repetitive admin slows every desk, and the way your best people handle it is never captured. Karez finishes the repetitive work and keeps the method, so your team spends its hours on the business.
- 16 hrsback per underwriter, per week40% of underwriter time on admin · Accenture01Hours back
File notes, broker follow-ups and re-keying, finished from the policy system, the submission and the mail.
More time underwriting - 10xmore submissions reviewedAs few as 10% reviewed today · Accenture02Every submission triaged
Each submission read, checked against appetite and guidelines, and ranked the way your best underwriter would.
More quotes bound - 60%of intake and FNOL run by agents69% of data processing automatable · McKinsey03Work finished
Your best people’s method written as the SOP, then run by agents on every claim.
Claims paid faster
What the forward-deployed agent learns
Your best adjuster’s method, run on every claim.
The forward-deployed agent learns the work from the claims system, the estimating tools and the calls your best adjuster makes in between.
- Reads the systems your team already runs, with the access you already grant.
- Turns each call into a step your team can follow.
- Writes the SOP and keeps it current as the work changes.
systemsdocumentspeoplejudgement
How Observe works Sources of truth
The record is already in your claims system.
Claims, policy admin, estimating tools, broker portals, the guidelines in Drive and the thread in mail, read together with the access you already grant.
Ask the record
Questions a carrier could never ask the claims system. Now you can.
Answered from your claims and policy systems, your broker portals, your mail and the way your best people work. Cited, ready to act on.
ask the record01 / 04
systems
people
Ask anything about your operations…
↑Two sources of truth, one answer.
What the systems say, and how your best people work. Both cited, both in the brief.
time to answer · minutesopen brief ↗
Why Karez for insurance
Built for insurers that run on judgement and data.
One record, every desk
Claims, underwriting and policy servicing work from the same record, with every answer cited.
Learns from your best people
The forward-deployed agent learns the calls your best adjuster makes, alongside the systems and the documents.
Deployed with you
A forward-deployed agent and an industry specialist, embedded in your operation.
Measured on your record
Hours back, turnaround and workflows run, counted from your own data.
Before the first call
Questions we get from insurance.
From claims, underwriting and operations leaders, before they book time.
How does it get started?
A forward-deployed agent and an industry specialist connect your sources with the access you already grant, map the first workflows with your team, and put agents on the most repetitive one first.
How is it secured and governed?
In your cloud or ours, on the models you choose. Data is encrypted in transit and at rest, and access follows the permissions you already grant. Guardrails apply your current policies to every action, and every decision carries a full audit trail: what was read, what was done, and which rule it followed.
How is the value measured?
Against a baseline taken from your own record before Karez starts. Hours back, turnaround and workflows run are counted per adjuster, from the same record.