What We Do
Five purpose-built AI systems for the insurance broker workflow.
AAIS operates a focused portfolio of agentic AI systems, each targeting one of the highest-volume, highest-time tasks in commercial broking. All five share the same architectural principles: Australian data residency, structured citations, a documented audit trail, and broker-in-the-loop review before any output is used with a client.
New accounts get 3 free uses across the full toolset.
No commitment required — try any combination of services before you subscribe.
Policy Comparison
Coming soonPolicy Comparison reads up to three insurance policy wordings simultaneously, extracts the values for up to 80 standardised insurance terms, and produces a side-by-side comparison with structured narrative commentary. Wordings can be chosen from the AAIS Policy Library or uploaded by the broker. The result is delivered as both an Excel workbook for internal use and a plain-English PDF report ready for client delivery — typically within 30 minutes of submission.
- An Excel workbook with side-by-side 24-term comparison, conditional formatting and an aggregate coverage score.
- A plain-English PDF client report — AAIS-branded, citation-anchored, and ready to send.
- A documented analysis trail that supports section 961B Best Interests Duty for the placement decision.
Screenshot — coming soon
How it works
The broker submits two or three policy wordings (PDS or wording PDF) through the AAIS portal. The system extracts coverage terms, exclusions, sub-limits and conditions across 24 standardised dimensions, applies a consistent 49-point coverage checklist, and generates structured narrative explaining the differences. Pete Beard reviews and signs off every report before it is released.
Why it matters
A manual multi-insurer comparison takes a skilled broker 3–4 hours per placement. Policy Comparison reduces that to roughly 20 minutes of broker time (review and sign-off) — a structural lift in capacity and a far stronger paper trail at every renewal.
Claims Advisory
Claims Advisory is the proactive, pre-lodgement claims tool. The broker submits the policy wording, the claim circumstances and the available evidence; the system returns a structured broker pack covering coverage opinion, applicable insuring clauses, exclusions, conditions precedent, ICA s.54 considerations, and a Probability Rating from the system Judge. Designed for non-standard or complex claims that warrant analysis before the broker speaks to the insurer.
How it works
A 19-node LangGraph multi-agent pipeline reads the insured's policy, the claim circumstances and any supporting documents. It cross-references the AAIS Policy Library, AustLII case law and AFCA published determinations to produce a coverage opinion, identify red flags, and prepare client-ready correspondence. Every output cites the source clause and the relevant ICA section.
Screenshot — coming soon
What you get
- A structured broker pack — coverage opinion, applicable clauses, red flags and recommendations.
- Draft correspondence to the insurer, the client, and any third parties (assessors, investigators).
- A documented analysis trail showing the broker fulfilled their duty of care before lodgement.
Why it matters
A non-standard claim that previously consumed 2.5 hours of broker time before lodgement now takes under 30 minutes. More importantly, the broker enters the conversation with the insurer with a fully reasoned coverage position — improving claim outcomes, managing client expectations, and creating exactly the kind of contemporaneous record that protects against PI exposure.
Claims Dispute
Claims Dispute is the reactive, post-denial tool. Where an insurer has denied or partly denied a claim, the system analyses the denial against the policy wording, the Insurance Contracts Act 1984, the General Insurance Code of Practice and AFCA Rules, and produces a structured Three-Step dispute strategy: an IDR challenge, an AFCA submission framework, and a legal-referral recommendation where quantum or principle justifies it.
How it works
The broker uploads the insurer's denial documentation and completes the Claim Dispute Intake Form. The system runs an ICA argument matrix (sections 13, 35, 54, 37, 40, plus contra proferentem), a GICOP breach analysis, and an AFCA-jurisdictional check. It generates ready-to-send correspondence for the insurer, the client, and AFCA — and anticipates the insurer's likely rebuttal so the broker is prepared for the next round.
Three-step strategy
IDR letter to the insurer requesting internal review, with cited ICA grounds.
AFCA submission framework with the issue, jurisdictional eligibility and the supporting argument.
Legal referral recommendation if quantum or principle warrants external counsel.
Why it matters
Approximately 2% of broker claims escalate to a dispute. Each is costly to administer, and a poorly-handled dispute is one of the largest sources of broker professional indemnity exposure. Claims Dispute systematically applies the relevant legal grounds to every denial, structures the response in AFCA's preferred format, and creates a complete audit trail that demonstrates the broker met their best-interests duty.
Policy Analysis
Coming soonPolicy Analysis runs a three-step review against any commercial insurance policy wording. Step 1 assesses the wording against the Insurance Contracts Act 1984, the General Insurance Code of Practice 2020, and Australian drafting and grammar standards. Step 2 stress-tests the wording against 15 representative claim scenarios. Step 3 verifies the wording against current legislation, judicial authority and AFCA jurisdiction. Each finding is severity-scored and accompanied by a recommended amendment.
47
issues found in testing
8
of them critical
<20 min
vs. 3+ hours manual
Screenshot — coming soon
A complete Three-Step report — typically 30–50 pages depending on the wording.
An Issue Register with severity scores and recommended amendments.
Step 2 traffic-light coverage matrix for 15 claim scenarios (green / amber / red).
A regulatory and case-law verification with applicable AFCA approach references.
How it works
The broker (or insurer product manager) submits the policy wording for review. The pipeline runs the three steps in sequence, scoring every issue 1–10 for severity and tagging it with the relevant ICA section, UCT provision, or DDO/TMD obligation. The system produces a structured Issue Register where every issue carries a Finding, Analysis, ICA Protection citation, Recommendation and Severity Score.
Policy Library & Chat
BetaComing soonThe AAIS Policy Library is a Retrieval-Augmented Generation database of more than 190 Australian commercial insurance policy wordings, hosted on AWS Sydney and searchable via plain-English chat. The broker asks a question — 'Does this CGU Cyber policy cover social engineering fraud?' — and receives a cited, wording-referenced answer in seconds, drawn from the correct version of the correct policy. Replaces 45–90 minutes of manual PDF searching per query.
Screenshot — coming soon
How it works
Every wording is ingested as a vector-embedded chunk with structural metadata — section, clause, page, version. New wordings are added within 48 hours of publication, with an autonomous agent sweeping insurer and underwriting agency websites for updates. The chat interface returns clause-referenced answers with page numbers and the relevant ICA cross-reference where applicable.
What you get
- Plain-English question-and-answer interface across 19 insurance classes.
- Coverage of 75+ Australian admitted and Lloyd's insurers.
- Page-level citations on every answer — never an unattributed claim.
- Cross-insurer comparison on demand (e.g. 'Compare QBE and Allianz ISR on flood definition').
The 20th-century broker remembered which page of which policy held the relevant clause. The 21st-century broker asks the Library and gets the answer in seconds, with the citation. Every wording ingested benefits every broker on the platform — a network effect that compounds with use.
Plug-Ins
Coming soonThree locally-installed plug-ins for the Claude desktop app.
Contract Reviewer, Report & Insurance Manual Writer, and IDR Assistant are a separate, perpetual-licence product line — one payment, no subscription, no token purchases, running inside your own Claude subscription. All three will be released soon for download.
Contract Reviewer
Reads an entire commercial contract and separates the insurable risk from the uninsurable residue — reflexive indemnities, uncapped consequential loss, liquidated damages — inside a strict AR/AFSL authorisation boundary.
4-min introductory video
Report & Insurance Manual Writer
Insurer documents in, client-ready report out: a program summary, reconciled claims experience and a pre-renewal schedule, reconciled against the prior period and gated by a blocking preflight check.
5-min introductory video
IDR Assistant
Structured internal dispute resolution built for ASIC RG 271 and the December 2026 POLA Act reforms — from raw intake to a decision-ready IDR pack, with the Complaints Manager approving every gate.