Stemma AI provides an AI-driven platform that ingests and classifies hundreds of marine insurance documents per claim, extracting relevant clauses and generating coverage determinations with calibrated confidence scores. The system links each decision to its source excerpt and includes automated seaworthiness checks, voyage reconstruction, and a legal citation library, enabling insurers and adjusters to resolve claims in minutes with a verifiable audit trail.
Funding
Funding not disclosed
Founders
Product
Problem
Marine insurance claims involve hundreds of heterogeneous documents—policies, surveys, logs, and correspondence—that must be manually reviewed to identify breaches, assess seaworthiness, and establish a defensible coverage outcome. The complexity and volume of these records lead to investigation cycles that span weeks, increasing operational costs and exposing insurers to litigation risk. Moreover, tracing the evidentiary basis for each finding is labor‑intensive and prone to error.
Solution
Stemma AI delivers an AI‑driven reasoning engine built specifically for marine insurance claims. The platform automatically ingests and classifies over 500 documents per case, extracting relevant clauses, certificates, and logs. Using domain‑trained large language models, it generates coverage determinations—Denied, At Risk, Subrogation, or Compliant—accompanied by confidence scores. Each conclusion is linked to the exact source document, page, and excerpt, providing a verifiable audit trail with zero hallucinations. Integrated seaworthiness checks benchmark class certificates, SOLAS compliance, crew certifications, and maintenance records against MIA 1906 and ISM Code requirements. An interactive voyage reconstruction visualizes planned versus actual routes, weather overlays, and event timelines to contextualize claim events. A curated legal library supplies citations to maritime statutes and precedent case law, enabling adjusters to substantiate decisions quickly. Collectively, these capabilities compress claim investigation from weeks to minutes while enhancing accuracy and defensibility.
Target Audience
Primary customers are marine insurers, claims adjusters, and underwriters who handle complex hull and machinery claims, as well as maritime law firms and ship owners’ risk‑management teams seeking rapid, defensible claim resolutions.
Features
- Bulk document ingestion pipeline that processes 500+ PDFs, images, and text files per claim with automatic classification of policies, logs, surveys, and correspondence
- AI‑powered coverage engine delivering verdicts with calibrated confidence scores for Denied, At Risk, Subrogation, and Compliant outcomes
- Transparent evidence chaining that maps each finding to its originating document, page number, and quoted text, ensuring a complete audit trail
- Automated seaworthiness assessment engine that validates class status, SOLAS compliance, crew certifications, and maintenance records against MIA 1906 § 39 and ISM Code provisions
- Interactive voyage reconstruction module featuring GIS‑based route mapping, weather overlay integration, and chronological event sequencing
- Built‑in legal library with indexed citations to MIA 1906, SOLAS, ISM Code, ITC Hulls, and leading maritime case law precedents
- Investigation dashboard with timeline analysis, risk heatmaps, and real‑time collaboration tools for adjusters and underwriters
- Enterprise‑grade security with end‑to‑end encryption, role‑based access controls, and compliance with maritime data governance standards