Your AI foundation for insurance.
Faster quotes, simpler claims.
Claims processed in minutes, not days. Underwriting briefs prepared before your team opens them. Your data, your cloud, live in weeks.
6 weeks
time to production
96.2%
extraction accuracy
60%
faster claims processing
NZ-hosted
your cloud, your data
The challenge
AI is everywhere in insurance. Production AI is not.
Insurance runs on documents, decisions, and people. When those processes are manual, every touchpoint adds cost and risk. These are the four problems we see across every insurer we work with.
Claims are eating your margin
Every claim arrives by phone or email. Manually triaged, manually assigned, manually assessed. Each touchpoint adds days and cost. After Cyclone Gabrielle, some NZ insurers faced 6-12 month backlogs.
60-70%of claims handling time is manual processing
Industry benchmark
Your best people are stuck on admin
Your underwriters spend days gathering data for a single commercial quote. Your claims team reads the same document types hundreds of times a month. Expensive people, doing repetitive work.
5-10 daysfor a commercial property quote
NZ underwriting benchmark
Customers compare you to their banking app
Communication failures are the #1 complaint at the NZ Insurance Ombudsman. Customers can't see their claim status. They can't change an address online. They expect the experience they get from their bank.
#1complaint category: communication failures
NZ Insurance Ombudsman
Expertise leaves when people do
Your senior claims assessor retires. Your best underwriter moves on. Their pattern recognition, risk judgment, and institutional knowledge goes with them. In a market where experienced insurance professionals are already scarce, that knowledge is irreplaceable.
$50-100Krecoverable per team/yr through knowledge capture
Enterprise knowledge recovery benchmark
The gap
You've probably tried some of this already.
A chatbot that didn't understand your products. An AI pilot that never reached production. A vendor who promised transformation and delivered a dashboard. You're not behind. Most insurers are in the same place.
The problem was never the AI.
It was the infrastructure underneath. Something that connects to your existing systems, understands your processes, and gets smarter as your team uses it.
That's what we build.
What changes
From manual processes to intelligent infrastructure.
Manual claims triage
Claims arrive by email, manually triaged
Pre-extracted
Every claim arrives pre-extracted, risk-scored, and routed
Slow underwriting
Underwriters spend days gathering data for a quote
AI-prepared
AI-prepared briefs with risk scores. Your underwriter reviews a brief, not builds one from scratch.
Staff-heavy admin
Policy changes require staff processing
Self-service
Customers and brokers self-serve routine amendments
Opaque claims status
Customer calls to check claim status
Real-time portal
Real-time tracking portal. Customers check status and get answers instantly.
Knowledge in heads
Knowledge lives in people's heads
Platform captures
Platform captures expertise, available to every team member
Vendor sprawl
Each AI tool is a separate vendor
One platform
One platform, shared intelligence, gets smarter over time.
This is what your AI foundation looks like. Not a chatbot. Not a dashboard. Infrastructure that powers your entire operation.
Your insurance platform
Start with best practice. Tailor to your teams.
Your platform begins with best-practice capability, then gets tailored to your organisation. Your processes, your data, your cloud.
Intelligent Knowledge
FoundationYour knowledge base sets the foundation of your platform. All other modules use it for accurate, cited answers.
AI Knowledge Base
Every team member gets instant, accurate answers
Policies, procedures, product guides, compliance docs. All accessible in seconds. Your team stops searching shared drives and starts getting answers. 99.5% query accuracy in production.
Intelligent Chat
Handles queries with real understanding, not scripts
Not a scripted bot. A contextual assistant that handles customer queries, internal questions, and broker inquiries with real understanding of your insurance products. Escalates to humans when needed.
Claims & Underwriting
Where the biggest time and cost savings sit. AI handles volume, your team handles judgment.
Claims Intelligence
Reduce claims processing time by 60%
Extracts key fields from claim documents (medical reports, repair quotes, invoices). Assesses risk indicators and fraud signals. Produces a structured Decision Card with recommended action. Human reviews and approves every decision.
Underwriting AI
Quote turnaround from days to hours
Gathers data from multiple sources automatically. Scores risk using your criteria. Pre-populates quotes with relevant data. Captures underwriter knowledge in the platform so expertise scales beyond individuals.
Operations & Experience
Scale without headcount. Routine work handled automatically, customers and brokers self-serve.
Policy Automation
Routine policy changes, handled automatically
Handles endorsements, mid-term adjustments, renewal processing, certificate generation. AI manages the predictable; humans handle exceptions. Integrates with your existing policy admin system.
Intelligent Portal
Your customers and brokers self-serve. Claims tracking, policy changes, instant answers.
Real-time claims tracking. Document upload with auto-extraction. AI-assisted enquiries that understand your products. Broker-specific tools for quoting and documentation. Mobile-responsive.
Your Logo
Dashboard
Processed Today
847
+12%
Accuracy
96.2%
+0.3%
Time Saved
142h
this week
Awaiting Review
12
Recent Activity
Claims Triage Processed 23 motor claims
2m ago
Knowledge Base Policy excess query answered
5m ago
Doc Extractor 8 repair quotes extracted
8m ago
Risk Scorer CLM-2846 flagged for review
12m ago
Context: Policy NZI-2026-44821 · Motor Vehicle · Active
I need to check on claim CLM-2841 and update my address
Your claim CLM-2841 (Motor Vehicle, lodged 1 Apr) is in assessment. Assessor assigned, estimated completion 7 Apr. For the address change, what's your new address?
42 High Street, Auckland 1010
Done. Policy NZI-2026-44821 updated to 42 High Street, Auckland 1010. Your premium hasn't changed. Anything else?
CLM-2847 - Motor Vehicle
96% confidenceExtracted Fields
Claimant
Aroha Williams
Date of Loss
28 Mar 2026
Vehicle
2022 Toyota RAV4
Repair Est.
$8,400 + GST
Risk Score
Low
Recommended
Approve
⚠ Prior claim on same vehicle (CLM-2691, Sep 2025). Review recommended.
ApproveCorrectEscalate
Commercial Property - 42 Quay St
ReadyRisk Score
B+
Flood Zone
Low
EQC Rating
Zone 2
AI Recommendation
Standard terms. No flood exclusion required. Council records and EQC zoning verified.
Sources Checked
Auckland Council · EQC · LINZ · NZTA · Google Maps
47 processed today
3 pending review
Address Change
NZI-44821
Vehicle Addition
NZI-44756
Renewal - Re-rate
NZI-44712
Sum Insured Review
NZI-44690
Welcome back, Aroha
CLM-2841
In AssessmentLodged: 1 Apr · Est: 7 Apr
CLM-2798
SettledWindscreen replacement · Settled 12 Mar
Upload DocumentsAsk a Question
Organisation
Company name
Your Company Ltd
Team members
80 / 100 active
Infrastructure
Cloud region
NZ (Auckland)
Hosting
Client Cloud (AWS)
Default model
GPT-5 Mini ▾
Security
Audit logging
Auto-processing
SSO enabled
See it working
Paste a claim. Watch it get triaged.
Four of 30+ working AI modules from the RIVER platform, running live. Your team reviews structured output instead of reading raw documents.
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The Impact
Results that compound.
We partner with our clients to deliver results that matter.
0 weeks
avg. time to production
For initial AI release.
0%
extraction accuracy
On production deployments.
0+
AI modules in production
Purpose-built for enterprise operations.
0K+
files in largest RAG
Real knowledge base, real scale.
Packages
Choose how to start. Scale when you're ready.
Starter
Prove the value with one module
From $40K
setup
Then $4K
/mo
(from month 4)
6-8 weeks to production
Foundation (Knowledge Base + AI Chat)
Claims Intelligence module
NZ-hosted, RIVER managed
One module, one outcome. Prove AI works for your team, then expand.
Recommended
Growth
Your complete AI operations layer
From $80K
setup
Then $8K
/mo
(from month 4)
10-14 weeks to production
Foundation (Knowledge Base + AI Chat)
Claims, Underwriting, and Policy modules
1 data integration (claims or policy system)
Cross-module intelligence sharing
Team onboarding and training
NZ-hosted, RIVER or Your Cloud
Complete coverage across claims, underwriting, and policy admin. Connected and ready.
Custom
Portal, integrations, and beyond
Pricing scoped during discovery based on your requirements and integration complexity.
Customer and broker self-service portal
Legacy system integration (Guidewire, EIS, etc.)
Broker platform connections
EQC and regulatory integrations
Need a customer-facing portal, broker tools, or connections to Guidewire and EQC? We scope the platform around your existing infrastructure.
For the cost of one senior hire, your entire team gets AI-powered tools. Every module you add compounds value.
NZ-hosted infrastructure (your cloud - AWS or Azure - or RIVER-managed). You own your data and workflows, with code access available. Pricing based on platform complexity and team size, scoped during discovery.
Common questions
What you need to know. Before your first conversation.
Latest Thinking
Ideas from the field.
Enterprise AI insights, guides, and research, from a team who ships it.
Trusted by teams that scale.
We partner with our clients for meaningful impact.
RIVER learnt our business inside out and found growth opportunities we hadn't seen. Their expertise has made a real difference on our ability to scale.
Jay Harrison
Founder, Edison Health 2022
We crunch through complex data to generate insights. RIVER made it simple to work through, while keeping everyone aligned on our app's core value proposition.
Alex Osborn
CTO, trev 2024
RIVER has been central to our technology and growth. Their ability to deliver solutions that perform continues to drive results across our business.
Mark Bramwell
Director, Commercial Realty 2024
RIVER listens, understands our needs, and delivers solutions that give us back time. That's what a good partnership looks like.
Tony Naidu
Development Manager, ABA 2025
RIVER helped us validate our market, launch our platform, and continue to provide ongoing support. They've been with us every step.
Mike Collins
Founder, iMatch Sport 2025
RIVER has been a trusted partner throughout this project. They've exceeded our expectations, and we're already seeing the difference their work is making.
Ellen Lekka
Programme Specialist, UNESCO 2025
The team at RIVER has been an incredible partner from day one. Their ongoing support has helped make our success possible.
Scott Townshend
Founder, trev 2022
RIVER approached every detail with care. We're impressed by how thoughtful they are, ensuring each decision is made with consideration and purpose.
Daemon Coyle
GM, MHF 2021
Our new brand is bold and effective, and customers love it. The website has driven a real increase in leads.
Marcus Sin
GM, Cleanly 2020