The AI execution layer for the full insurance value chain
Insurance-native AI Employees that work quote to settlement — governed from one Command Center, working alongside the systems you already run.
The AI execution layer for the full insurance value chain
Insurance-native AI Employees that work quote to settlement — governed from one Command Center, working alongside the systems you already run.
Your people make the judgment calls. Ema does everything else.
FNOL
Captures loss details on any channel and turns them into a structured, routed claim in minutes.
- •Structured capture from calls, chat, web, and photos — no re-keying, no transcription errors.
- •Assembles the claim file automatically: evidence, coverage validation, fraud score, severity flags.
- •Complex losses are routed to a human — with the full packet already built.
Quote & Underwrite
Reads and validates submissions, drafts the underwriting decision — your underwriters approve every decision.
- •Ingests submissions from email, forms, and your core system, and validates every risk.
- •Exceptions arrive triaged, with the recommendation and premium impact already drafted.
- •Regulatory guardrails enforced in the workflow itself — every decision logged with its inputs.
Policy Admin
Resolves servicing requests across phone, chat, email, and web — and routes exceptions to the right specialist.
- •One queue across every channel, including voice.
- •Handles the high-volume, low risk questions — address changes, payments, ID cards, coverage questions, renewals.
- •Policy changes with underwriting implications always go to your team, with the file prepped.
Claims
Checks coverage, flags fraud, and settles routine claims — complex claims reach your adjusters as decision-ready files.
- •Routine claims settled end to end: coverage checked, payout computed, core system updated.
- •Every claim shows exactly what was automated and what a human decided — audit-ready.
- •Adjusters open a decision-ready file, not a voice recording and a form.
Settlement
Helps issue payments, recovers subrogation, and coordinates repairs.
- •Decision to cash in hours: claims within defined thresholds are approved and disbursed without manual routing.
- •Subrogation opens itself wherever liability analysis finds a third party.
- •Repair and other operations coordination runs on autopilot — humans see only rule-breaking exceptions.
Command Center
See your entire operation in one place — live KPIs, every AI Employee's work, and full human control.
- •Live view of the book: settlement rates, cycle times, CSAT, and loss metrics in one screen.
- •Surfaces only what needs a human — everything else flows straight through.
- •Pause any AI Employee instantly and its work routes to a human queue.
Easy integration with your existing systems
Seamlessly integrate Ema with Guidewire, Salesforce, Duck Creek, and over 200 platforms. Get operational in as little as four weeks.
Working in production, not in pilots
US Protection Plans
A leading US protection-plan provider cut claims processing time by 50% — with specialists approving every decision.
Global P&C Insurer
A global P&C insurer turned unstructured FNOL intake from hours into minutes — no model training required.
Fortune 100 Global Insurer
A Fortune 100 global insurer runs voice AI across thousands of calls weekly in 15+ languages, on their existing telephony.
FAQs on Ema's insurance suite
Can Ema handle unstructured data like handwritten forms, emails, or images?Yes. Ema uses advanced OCR and multimodal ingestion to process documents, images, and voice inputs. This enables accurate extraction, validation, and routing of critical data across underwriting, claims, and policy workflows.- How does Ema ensure compliance with insurance regulations?Ema’s AI employees are built with compliance-first logic and maintain full audit trails for every decision. They meet enterprise-grade standards including SOC 2, HIPAA, GDPR, and ISO 27001, and can be configured to reflect region-specific regulatory requirements.
- How quickly can Ema’s AI employees be deployed in our insurance workflows?Ema integrates with 100+ enterprise systems via API, with minimal IT lift and no disruption to existing workflows. Deployment timelines depend on your systems and scope — most clients are operational within weeks, not quarters.
- How secure is our customer and policyholder data with Ema?Security is at the core of our platform. All data is encrypted in transit and at rest, with role-based access controls, continuous monitoring, and adherence to global compliance standards. You retain full control over your data and deployment environment.