Korint

Agents read and extract incoming documents, carry out servicing tasks such as cancellations, endorsements and chasers, and score claims for signs of document fraud. An AI Companion answers portfolio questions in plain language and prepares batch work such as payment reminders. Beneath them is a configured policy administration, rating, distribution and claims system that quotes, issues, bills and settles on its own.

The AI modules are switched on one at a time and can be bought without the rest of Korint, so the models speed up the work done on that core, and the platform would still have something to sell without them.

Claims is where the controls are spelled out. Every document on a claim is classified and checked, the signals roll up into one fraud score for the claim, and above a threshold the insurer sets the system opens a verification task for a handler or requires a derogation, so a person keeps the final say. Workflows are configured by claim type, product and partner, with thresholds that decide which files need human validation and which settlements go through on their own. Servicing agents work on cancellations, endorsements and chasers inside a scope the client defines, with human validation wherever the client requires it, and every event lands in an immutable log.

On a claim, each document gets its own verdict (authentic, to check or suspected fraud), drawn from signals such as retouched photos, altered invoices, metadata anomalies and AI generated files. Those verdicts combine into a score for the whole claim, shown against the insurer's threshold, and workflow decisions keep their rationale in the event log. Engine's rate tables are versioned and tested in a sandbox before going live. Korint gives no accuracy or false positive rate for document reading or fraud detection, and no validation method or mapping to a supervisory framework.

Yeet Assurance moved a full book of Uber driver policies onto Korint in under three months, and its cofounder Philippe Decaudin reports portfolio growth of more than 15 percent in the first quarter after go live. Korint also reports that WTW saves 30 minutes per underwriting case and launched online sales of an assistance product for a carmaker's employees in 10 weeks, and that Tutassûr gained 60 percent more active brokers in three months.

Platform averages such as a 48 percent productivity gain after a year, and AI counts of more than 150,000 documents processed and more than 50 agents deployed, are Korint's own and come without a method.

One platform can carry an insurer, its delegated agents and competing brokers, with permissions set by role and every action written to an immutable event log. Korint says data sits in dedicated AWS environments in France and Ireland, reachable only through the platform. It does not say whether one client's portfolio, pricing or claims data trains or tunes the agents and fraud models that serve another, or how long model inputs are kept.

Motor, fleet and claims files carry driving history, vehicle data and, on injury claims, health details about policyholders who are the clients' own customers. Korint says that data stays in dedicated AWS environments in France and Ireland, and its CTO, Martin Gross, serves as data protection officer. Its privacy policy, in force since March 2023, applies only to inquiries sent through its contact form, and no data processing agreement or retention schedule for the service is public. Its trust center marks General Data Protection Regulation (GDPR) compliance as in progress, while the company also presents itself as GDPR compliant.

Korint's trust center lists ISO 27001:2022 certification and a SOC 2 Type 2 report, from a certification body and auditor it does not name, together with a DORA control set and four documents. Data is encrypted at rest and in transit, penetration tests run regularly, staff sign in with single sign on and multifactor authentication, clients get role based permissions, and a public status page reports uptime.

Korint sells software and states no regulatory status of its own. It sells the platform as control evidence that helps wholesale brokers and managing general agents win full delegations from insurers, reports that every client audit has been passed, and maps its controls to the Digital Operational Resilience Act (DORA). Insurance distribution and product oversight rules apply to the work it automates for those clients, and the platform is not mapped against them.

Pricing in Engine runs on rules the client configures rather than on a learned model, and the claims fraud score sends files to a handler instead of refusing them, which keeps the AI away from pricing and refusal decisions. The fraud model still judges documents that policyholders submit, and Korint offers no fairness testing of it and no responsible AI policy.

The general terms Korint publishes govern public browsing rather than the service and disclaim liability for errors and interruptions, and none of them addresses who answers to a policyholder when an agent mishandles a policy or claim. For the client, every action on the platform, from a product configuration change to a claim decision, is written to an immutable event log that traces who did what and when, and Korint cites a contractual service level agreement (SLA).

The models behind the agents, the AI Companion and fraud detection go unnamed, as does their provider, and a dedicated GPT handles some contract tasks without saying whose model it is. AWS hosts the platform in Ireland and Paris, and the trust center counts nine subprocessors.

Korint lists 49 native integrations. Examples include Stripe and GoCardless for payments, Docusign for signature, Cambridge Mobile Telematics for driving data and the French and UK vehicle registries. A public API reference covers quoting, issuance, payment, signature and claims, and each module can sit beside an existing back office through it.

Engine prices three ways side by side: fixed configuration, its own versioned rate tables, or a real time call to the insurer's existing actuarial engine, with rates published to sandbox and live endpoints. An MCP connector lets a client's own agents read the portfolio and trigger servicing actions.

The platform runs as SaaS on AWS in Ireland and Paris, managed through Terraform, with no on premises or single tenant option described, and Korint says its data and processing stay in Europe. Modules go live one at a time beside an incumbent system, and Korint puts typical launches and migrations at a few weeks.

Korint's AWS Marketplace listing prices a Standard Plan at $10,000 a month on a one month contract, with savings of up to 17 percent on a 12 month term, though what counts as standard use and the charge beyond it are not published. Pricing is success based and tied to the volume processed on the platform, with unlimited seats once live and no integration fees. Support, training, hosting and maintenance are included in the price.

Insurers, managing general agents and delegated brokers each have their own pages, and mutuals and wholesale brokers buy the platform too. Property and casualty is the focus, across commercial motor and mobility, commercial and specialty lines, and retail and embedded products, with funeral, health and personal accident cover handled on request. French vehicle registries and broking data exchange are built in alongside UK vehicle and claims databases, and the customers Korint names work in the French market.