Perpendo builds production‑grade AI agents tailored for the insurance industry, embedding compliance and governance controls into underwriting, claims, policy servicing, and reinsurance workflows. Their platform delivers domain‑specific agents that accelerate cycle times to as low as three days, achieve up to 90% straight‑through processing, and provide audit‑ready explainability, helping insurers improve decision accuracy while meeting regulatory requirements.
Funding
Funding not disclosed
Founders
Product
Problem
Insurance carriers and intermediaries face lengthy, manual processes for underwriting, claims handling, policy servicing, and reinsurance, leading to slow cycle times, low straight‑through processing rates, and difficulty maintaining audit‑ready compliance in regulated environments.
Solution
Perpendo delivers custom, insurance‑native AI agents that automate core value‑chain tasks while embedding governance controls aligned with regulatory requirements. Each agent operates with built‑in explainability, audit trails, and hit‑layer checkpoints, ensuring decisions remain human‑accountable. The platform connects domain‑specific agents across P&C, Life & Annuities, Specialty, and Reinsurance, enabling end‑to‑end intelligence that compresses cycle times to as little as three days and achieves straight‑through processing rates around 90%. Measurable KPI improvements are tracked quarterly, providing insurers with transparent performance gains and stronger compliance assurance.
Target Audience
Primary customers are insurance carriers, reinsurers, and specialty brokers seeking to automate underwriting, claims, policy servicing, and reinsurance operations while maintaining regulatory compliance.
Features
- AI agents for intake, underwriting triage, pricing, policy endorsements, loans, bordereaux, and claims recovery, each tailored to specific insurance lines
- Governance‑first framework with audit‑ready explainability, hit‑layer checkpoints, and rollback rehearsals to satisfy regulatory oversight
- Integrated data extraction and validation from emails, PDFs, ACORD forms, and core system events for seamless ingestion and normalization
- Real‑time decision support and risk reasoning based on the “5R’s” (Risk, Rules, Relationships, Regulations, Responsibilities) of insurance
- KPI dashboard reporting cycle‑time compression, STP improvement, loss‑adjusted expense reduction, and capital efficiency metrics
- Role‑based access and authority matrix enforcing maker‑checker gating and compliance gating across all agents