Claims
Kairos
Cycle time set by complexity, not by the queue
Kairos takes the loss notice in whatever form it arrives, builds the claim file, settles what is unambiguous, and puts everything else in front of an adjuster with the exposure already quantified.
Interactive demo
Watch Kairos work a real case.
Step through it one action at a time. Nothing here is a mock-up of a chat window — these are the actual stages of a run, including the checks that happen before anything visible occurs.
Auto glass claim reported at 11:14pm on a Saturday
A policyholder calls after a highway rock strike cracks a windshield. Comprehensive coverage, $100 deductible, no injuries, vehicle drivable. Human claims staff are offline until Monday.
Full transcript & decision trace
The part most vendors don't show you.
The verbatim conversation plus the reasoning trace behind it: rules fired, thresholds crossed, costs incurred, and every decision the agent deliberately refused to make.
What it's for
The problems Kairos exists to solve.
Simple claims wait behind complex ones
Queues are chronological, not risk-weighted, so the fastest-settling claims absorb the longest waits.
Severity is discovered late
Reserves are set on incomplete information and corrected weeks later, distorting the loss picture.
Status chasing is a third of the volume
Inbound calls asking 'where is my claim' produce no coverage outcome and consume adjuster capacity.
Capabilities
What it actually does.
Omnichannel FNOL
Voice, email, portal, SMS, and PDF normalized into one structured claim record with the same fields every time.
Evidence extraction
Estimates, police reports, invoices, and photos parsed into the fields adjudication actually uses, with confidence scores.
Severity triage
Scores exposure at intake so reserves and routing reflect the real claim within minutes.
Clean-claim settlement
Settles inside coverage, inside authority limits, and inside the fraud-signal envelope — otherwise it stops.
Proactive status
Milestone updates pushed to the claimant, removing the status-chasing volume from the queue.
- Claims platform (Guidewire, Duck Creek)
- Policy admin
- Payment rails
- Document / imaging store
- SIU case management
- Kairos cannot deny a claim. Denials are human-only, always.
- Hard authority ceiling per line of business; anything above routes automatically.
- Any fraud signal above threshold freezes automation and notifies SIU.
- Coverage determination requires the policy document in the file — no inference from summary data.
Human handoff: Complex, high-severity, or fraud-flagged claims reach a licensed adjuster in under 90 seconds with reserves proposed and evidence indexed.
Questions
Straight answers.
Can Kairos deny a claim?
No — never. Denial is a human decision with regulatory consequences. Kairos settles, pends, or escalates.
What stops it from paying a fraudulent claim?
A fraud score above threshold freezes automation and hands the file to SIU with the signals listed. Sentry independently monitors the pattern.
How high can its payment authority go?
You set it per line of business. Most carriers start low — a few thousand dollars — and raise it as concordance data accumulates.
Keep going
The rest of the roster.
Orion
The always-on voice agent for outbound and inbound calls.
Quark
Sub-second multi-product quoting with rider optimization.
Atlas
Reads the file, runs the risk, books the clean cases.
Echo
Predicts churn 60 days out and acts before the lapse.
Sentry
Watches every agent action and builds the audit trail.
Vesta
Closes tier-one service cases instead of deflecting them.
Meridian
Runs the escalation while the human makes the judgment call.
Bedrock
Turns the submittal and RFI log into a schedule early-warning system.
Keystone
Assembles change order entitlement and turns inspections into proposals same day.
Anchor
Calls every foundation inquiry in seconds and books the inspection.
Ridgeline
Plans the inspection and production boards together, and re-plans them when the day breaks.
Slate
Turns inspection notes, photos, and measurements into a priced proposal before the inspector leaves.
Run Kairos against your own workflow.
Bring us one process and a number attached to it. We'll tell you whether an agent moves it.