Medley AI
Medley AI provides a governed decision layer for insurance claims, structuring every step from intake to payout. The platform extracts data from any first notice of loss format, enriches it with policy and liability context, and routes claims through five decision gates that can graduate from deterministic rules to autonomous agents. Carriers set their own autonomy thresholds, with 78% of claims resolved without human intervention at the highest maturity level.
- Insurance Technology
- Artificial Intelligence
- AI Agents
- Software Only
Funding
Founders
Founder details are not available yet.
Product
Problem
Insurance claims are slowed by manual intake, spreadsheet-based enrichment, and instinct-driven decisions, creating bottlenecks where the slowest decision determines the claim's speed. Carriers struggle to settle faster, reduce leakage, and demonstrate regulatory compliance when decision logic is scattered across unstructured processes.
Solution
Medley is a governed decision layer for claims that structures every step from intake to payout. It extracts and validates data from any FNOL format—PDF, photo, voice note, or video—then enriches it with point-in-time policy coverage, liability assessment, and financial exposure modeling. Claims pass through five decision gates (triage, liability, coverage, reserve, payout), each graduating independently from deterministic rules to living agents based on accuracy, drift, and fairness metrics. Every atomic decision is signed, replayable, and explainable, with EU AI Act and GDPR compliance built into the architecture rather than added as an afterthought. Carriers set their own thresholds and approve each level of autonomy the system earns.
Target Audience
Primary customers are insurance carriers and group carriers who need to automate claims decisions while maintaining regulatory compliance and carrier-controlled thresholds, including travel, pet, warranty, and gig & mobility lines of business.
Features
- Multimodal document intelligence for receipts, invoices, and reports with injection scanning on every inbound asset
- Point-in-time coverage determination with endorsement chain resolution and clause mapping at the exact loss date
- Five maturity levels (L1–L5) per decision gate, from deterministic rules to living agents with canary rollout and auto-rollback
- Learning Loop where closed claims propose threshold updates that carriers approve, with prompt-pinned, version-locked model calls
- Pre-built production corridors for travel, pet, gig & mobility, and warranty claims with carrier-tunable SLA gates
- EU-residency-pinned external data proxies with timestamped decision trail entries and degraded-mode fallback
- REST API, MCP server, webhook, and batch ingest integration with Guidewire, Duck Creek, Sapiens, Salesforce, and Snowflake
- Tone-aware, deduplicated, paced communications with automatic vulnerability override for regulator-compliant customer messaging