labs@atheron:~/industries/insurance$ fnol --photos --triage --recover

Software for insurers

For the policyholder's worst day and the adjuster's busiest.

A claim is the moment you keep your promise or lose a customer. We build the app your policyholders report on, the portal your adjusters work in, the models that sort the photos and the shared records carriers settle recoveries through.

Start a project See the example projects

// what you are up against

The problems we hear most.

First notice of loss by phone

A policyholder calls, waits, repeats the story, then emails photos to an address they were read over the phone, and the file starts incomplete.

Adjusters buried in low-value files

Simple claims take the same handling as complex ones, so experienced adjusters spend their week on files that needed a quick look and a payment.

Brokers asking what a wording covers

Underwriters field the same coverage questions from brokers every day, answered from wordings and endorsements that are public but long.

Recoveries settled by letter

Subrogation between carriers runs on demand letters, spreadsheets and follow-up calls, and an agreed amount can be disputed months later.

// example projects

Systems we could build for you.

Each one is hypothetical, labelled as such, and priced live from our rate card. Open any of them in the estimator and make it yours.

Example projectWeb appMobile app

Claims app with an adjuster portal

Hypothetical. Not a client, not a result.

// The problem

Policyholders report claims by phone and send photos by email, so adjusters start each file chasing information instead of assessing it.

// What we would build

An iOS and Android app where policyholders report a loss, add photos and follow their claim, with a web portal for adjusters that assigns files, tracks reserves and talks to the claims system.

// What is in it

Guided first notice of loss with photos, location and the other party's details
Claim status, messages and requests for documents in the app
An adjuster portal with assignment, notes, diary dates and reserves
Integration with your claims and policy administration systems
English and French throughout, with notices by push, text and email

// Stack

Next.js
React Native
PostgreSQL
Guidewire or claims system API
AWS Canada

// estimate

Build: ≈ US$193,000 to US$296,000, delivered within 36 weeksCAD 275,500 to 421,400
Hosting: ≈ US$492 a monthCAD 700 a month
Support: ≈ US$2,500 a monthCAD 3,565 a month

Prices in your currency are estimates from today's Bank of Canada rate. All invoicing is in CAD or USD.

Timeline by milestone

Discovery: 2.9 to 3.4 weeks
Design approved: 7.4 to 12.9 weeks
Core features: 1.9 to 3.4 weeks
Full build: 1.4 to 1.9 weeks
First build on devices: 3.9 to 6.4 weeks
Testing and fixes: 0.4 to 0.9 weeks
Store submission: 0.4 to 0.9 weeks
Claims workflow accepted end to end: 0.4 to 0.9 weeks
Controls built and evidenced: 0.4 to 0.9 weeks
Readiness review: 0.4 to 5.9 weeks
Launch: 0.9 to 1.4 weeks
Auditor fieldwork and report (SOC 2 Type I): 3 to 6 weeks

Outside our hands, and added to the calendar

App store review: 1 week
Test environment access from your vendor: 1 to 4 weeks
Booking a penetration tester and their report: 2 to 4 weeks

How it is paid

Deposit 20%: CAD 55,100 to 84,280
Discovery 6.4%: CAD 17,632.00 to 26,969.60
Design approved 6.4%: CAD 17,632.00 to 26,969.60
Core features 5.3%: CAD 14,601.50 to 22,334.20
Full build 3.5%: CAD 9,642.50 to 14,749.00
First build on devices 14.1%: CAD 38,845.50 to 59,417.40
Testing and fixes 1.7%: CAD 4,683.50 to 7,163.80
Store submission 4.7%: CAD 12,948.50 to 19,805.80
Claims workflow accepted end to end 7%: CAD 19,285 to 29,498
Controls built and evidenced 7%: CAD 19,285 to 29,498
Readiness review 7%: CAD 19,285 to 29,498
Launch 6.9%: CAD 19,009.50 to 29,076.60
Holdback, 30 days after launch (10%): CAD 27,550 to 42,140

Start from this example

Example projectWeb appAICustom LLM

Vehicle damage photo model

Hypothetical. Not a client, not a result.

// The problem

Every auto claim photo is opened by an adjuster to decide whether the file is a quick repair or a likely total loss, which slows the simple ones down.

// What we would build

A custom vision model fine-tuned on the insurer's own closed claims photos, served in its own AWS account, that sorts new files by likely severity and the parts affected so the adjuster decides faster. A general frontier model does not know your repair outcomes; yours does.

// What is in it

A model fine-tuned on your past photos and how each claim was settled
Likely severity and affected parts shown to the adjuster, never sent to the customer
The adjuster decides; the model routes and suggests
Measured against held-out claims before launch and checked for drift after
Served in your own cloud account, with photos kept there

// Stack

PyTorch
Python
Amazon S3
Next.js
AWS GPU instances

// estimate

Build: ≈ US$170,000 to US$259,000, delivered within 38 weeksCAD 241,800 to 369,200
Hosting: ≈ US$7,020 a monthCAD 10,000 a month
Support: ≈ US$2,500 a monthCAD 3,565 a month

Prices in your currency are estimates from today's Bank of Canada rate. All invoicing is in CAD or USD.

AI route: Custom LLM
Model running cost: ≈ US$6,530 a monthCAD 9,300 a month

Timeline by milestone

Discovery: 2.9 to 3.4 weeks
Data and evaluation plan: 0.4 weeks
Design approved: 2.4 to 3.9 weeks
Core features: 2.4 to 3.4 weeks
Full build: 1.4 to 2.4 weeks
Training: 9.9 to 16.9 weeks
Testing and fixes: 0.4 weeks
Evaluation and red-teaming: 3.9 to 4.4 weeks
Launch: 0.9 to 1.4 weeks
Production: 0.9 to 1.4 weeks

How it is paid

Deposit 20%: CAD 48,120 to 73,600
Discovery 1.3%: CAD 3,127.80 to 4,784.00
Data and evaluation plan 8.2%: CAD 19,729.20 to 30,176.00
Design approved 1.3%: CAD 3,127.80 to 4,784.00
Core features 4%: CAD 9,624 to 14,720
Full build 2.6%: CAD 6,255.60 to 9,568.00
Training 24.8%: CAD 59,668.80 to 91,264.00
Testing and fixes 1.3%: CAD 3,127.80 to 4,784.00
Evaluation and red-teaming 16.5%: CAD 39,699 to 60,720
Launch 1.3%: CAD 3,127.80 to 4,784.00
Production 8.7%: CAD 20,932.20 to 32,016.00
Holdback, 30 days after launch (10%): CAD 24,060 to 36,800
GPU time for training and testing, at cost: CAD 1,200. Billed up front, at cost, outside the milestones

Start from this example

Example projectWeb appAIFrontier model

Broker policy wording assistant

Hypothetical. Not a client, not a result.

// The problem

Underwriters spend hours a day answering brokers' coverage questions that are answered somewhere in long, public policy wordings and endorsements.

// What we would build

An assistant for brokers that answers from the published wordings and endorsements and quotes the clause, on a frontier model because the documents are public and the traffic is light, which makes it the quickest and least costly route.

// What is in it

Wordings and endorsements indexed by product and edition
Answers that quote the clause and name the edition it came from
Questions it cannot answer passed to an underwriter, with the context
No policyholder data sent to the model
An evaluation set of real broker questions, checked by underwriting

// Stack

Frontier model API
PostgreSQL with pgvector
Next.js
DigitalOcean

// estimate

Build: ≈ US$73,100 to US$112,000, delivered within 18 weeksCAD 104,100 to 159,200
Hosting: ≈ US$218 a monthCAD 310 a month
Support: ≈ US$1,000 a monthCAD 1,425 a month

Prices in your currency are estimates from today's Bank of Canada rate. All invoicing is in CAD or USD.

AI route: Frontier model
Model running cost: ≈ US$42 a monthCAD 60 a month

Timeline by milestone

Discovery: 2.9 to 3.4 weeks
Specification and evaluation plan: 0.4 weeks
Design approved: 2.4 to 3.4 weeks
Core features: 1.4 to 1.9 weeks
Full build: 0.9 to 1.4 weeks
Working pilot: 2.9 to 3.9 weeks
Testing and fixes: 0.9 to 1.4 weeks
Launch: 0.9 to 1.4 weeks
Production: 0.9 to 1.4 weeks

Outside our hands, and added to the calendar

Test environment access from your vendor: 1 to 4 weeks

How it is paid

Deposit 20%: CAD 20,820 to 31,840
Discovery 2.7%: CAD 2,810.70 to 4,298.40
Specification and evaluation plan 9.1%: CAD 9,473.10 to 14,487.20
Design approved 2.7%: CAD 2,810.70 to 4,298.40
Core features 8.1%: CAD 8,432.10 to 12,895.20
Full build 5.4%: CAD 5,621.40 to 8,596.80
Working pilot 27.3%: CAD 28,419.30 to 43,461.60
Testing and fixes 2.7%: CAD 2,810.70 to 4,298.40
Launch 2.7%: CAD 2,810.70 to 4,298.40
Production 9.3%: CAD 9,681.30 to 14,805.60
Holdback, 30 days after launch (10%): CAD 10,410 to 15,920

Start from this example

Example projectWeb appBlockchain

Subrogation between carriers

Hypothetical. Not a client, not a result.

// The problem

Recoveries between insurers are agreed by letter and phone, each side keeps its own record, and settled amounts are disputed when staff change.

// What we would build

A private permissioned ledger where each participating carrier runs a node and records demands, offers and agreed settlements once, with a web console for recovery staff. Where an industry clearing house already does this, a database behind it is cheaper and we will say so.

// What is in it

A node for each participating carrier
Demands, offers and settlements recorded once and signed by each side
Supporting documents exchanged through the console, with only their fingerprints on the chain
Ageing of open recoveries by carrier
Exports to each carrier's claims and finance systems

// Stack

Hyperledger Besu (private, permissioned)
Next.js
PostgreSQL
AWS

// estimate

Build: ≈ US$123,000 to US$188,000, delivered within 24 weeksCAD 175,200 to 267,900
Hosting: ≈ US$492 a monthCAD 700 a month
Support: ≈ US$2,500 a monthCAD 3,565 a month

Prices in your currency are estimates from today's Bank of Canada rate. All invoicing is in CAD or USD.

Timeline by milestone

Discovery: 2.9 to 3.4 weeks
Architecture: 0.4 weeks
Design approved: 2.9 to 4.9 weeks
Core features: 1.4 to 2.4 weeks
Full build: 0.9 to 1.9 weeks
Devnet: 2.9 to 4.9 weeks
Testing and fixes: 0.4 weeks
Testnet: 2.9 to 3.4 weeks
Launch: 0.9 to 1.4 weeks
Mainnet: 0.9 to 1.4 weeks

Outside our hands, and added to the calendar

Test environment access from your vendor: 1 to 4 weeks

How it is paid

Deposit 20%: CAD 35,040 to 53,580
Discovery 2.5%: CAD 4,380.00 to 6,697.50
Architecture 6.7%: CAD 11,738.40 to 17,949.30
Design approved 2.5%: CAD 4,380.00 to 6,697.50
Core features 7.5%: CAD 13,140.00 to 20,092.50
Full build 5%: CAD 8,760 to 13,395
Devnet 20.2%: CAD 35,390.40 to 54,115.80
Testing and fixes 2.5%: CAD 4,380.00 to 6,697.50
Testnet 13.4%: CAD 23,476.80 to 35,898.60
Launch 2.5%: CAD 4,380.00 to 6,697.50
Mainnet 7.2%: CAD 12,614.40 to 19,288.80
Holdback, 30 days after launch (10%): CAD 17,520 to 26,790

Start from this example

Example projectWeb appAPI

Policy, claims and payments joined

Hypothetical. Not a client, not a result.

// The problem

A carrier's adjusters look up coverage in the policy system, copy it into the claims system, and request payments by email to finance, so every claim waits on someone re-keying something.

// What we would build

An integration that brings policy and coverage details into each new claim, sends approved payments to your payment system with the right approvals, and posts the results back to the claim, with a status screen for every exchange.

// What is in it

Coverage pulled into each new claim automatically
Approved payments sent with their approvals attached
Payment results posted back to the claim
A status screen and log for every exchange

// Stack

Node.js
PostgreSQL
REST
OpenAPI
AWS Canada

// estimate

Build: ≈ US$104,000 to US$159,000, delivered within 27 weeksCAD 148,300 to 226,800
Hosting: ≈ US$176 a monthCAD 250 a month
Support: ≈ US$2,500 a monthCAD 3,565 a month

Prices in your currency are estimates from today's Bank of Canada rate. All invoicing is in CAD or USD.

Timeline by milestone

Discovery: 2.9 to 3.4 weeks
Design approved: 2.4 to 3.4 weeks
API contract agreed: 1.4 to 1.9 weeks
Core features: 1.4 to 2.4 weeks
Full build: 0.9 to 1.4 weeks
Core resources built: 2.9 to 4.9 weeks
Security, gateway and connections: 1.9 to 3.4 weeks
Testing and fixes: 0.4 weeks
Docs, SDKs and load tests: 1.4 to 1.9 weeks
Claims workflow accepted end to end: 1.4 to 1.9 weeks
Launch: 0.9 to 1.4 weeks
Launch and first callers: 0.9 to 1.4 weeks

Outside our hands, and added to the calendar

Test environment access from your vendor: 1 to 4 weeks

How it is paid

Deposit 20%: CAD 29,660 to 45,360
Discovery 1.8%: CAD 2,669.40 to 4,082.40
Design approved 1.8%: CAD 2,669.40 to 4,082.40
API contract agreed 5.5%: CAD 8,156.50 to 12,474.00
Core features 5.6%: CAD 8,304.80 to 12,700.80
Full build 3.7%: CAD 5,487.10 to 8,391.60
Core resources built 16.5%: CAD 24,469.50 to 37,422.00
Security, gateway and connections 11%: CAD 16,313 to 24,948
Testing and fixes 1.8%: CAD 2,669.40 to 4,082.40
Docs, SDKs and load tests 5.5%: CAD 8,156.50 to 12,474.00
Claims workflow accepted end to end 8.7%: CAD 12,902.10 to 19,731.60
Launch 1.8%: CAD 2,669.40 to 4,082.40
Launch and first callers 6.3%: CAD 9,342.90 to 14,288.40
Holdback, 30 days after launch (10%): CAD 14,830 to 22,680

Start from this example

Example projectWeb app

Broker quoting tool, rebuilt

Hypothetical. Not a client, not a result.

// The problem

A managing general agent's quoting tool is a desktop program with rating tables inside it; brokers must install it, updates go out by email, and a rate change takes weeks.

// What we would build

A rebuild as a web app for your brokers: the rating rules taken out of the old program, written down and tested against its results, rates kept in tables your underwriters can update with approval, and every quote recorded.

// What is in it

Rating rules extracted and tested against the old tool
Rates your underwriters update, with approval
Brokers quote in a browser, nothing to install
Every quote recorded with the rates that produced it

// Stack

Next.js
PostgreSQL
TypeScript
Playwright
DigitalOcean

// estimate

Build: ≈ US$90,900 to US$139,000, delivered within 17 weeksCAD 129,400 to 198,000
Hosting: ≈ US$344 a monthCAD 490 a month
Support: ≈ US$2,500 a monthCAD 3,565 a month

Prices in your currency are estimates from today's Bank of Canada rate. All invoicing is in CAD or USD.

Timeline by milestone

Discovery: 2.9 to 3.4 weeks
Design approved: 2.9 to 4.9 weeks
Core features: 2.4 to 3.9 weeks
Full build: 1.4 to 2.4 weeks
Testing and fixes: 0.9 weeks
Claims workflow accepted end to end: 0.9 weeks
Launch: 0.9 to 1.4 weeks

Outside our hands, and added to the calendar

Test environment access from your vendor: 1 to 4 weeks

How it is paid

Deposit 20%: CAD 25,880 to 39,600
Discovery 6.8%: CAD 8,799.20 to 13,464.00
Design approved 6.8%: CAD 8,799.20 to 13,464.00
Core features 20.4%: CAD 26,397.60 to 40,392.00
Full build 13.6%: CAD 17,598.40 to 26,928.00
Testing and fixes 6.8%: CAD 8,799.20 to 13,464.00
Claims workflow accepted end to end 8.7%: CAD 11,257.80 to 17,226.00
Launch 6.9%: CAD 8,928.60 to 13,662.00
Holdback, 30 days after launch (10%): CAD 12,940 to 19,800

Start from this example

// by service

Go deeper on one kind of work.

Pages for the services we have the most to say about in this industry.

~/apps

Insurance claims apps

iOS and Android claims apps for policyholders and web portals for adjusters, with guided first notice of loss, photos, claim status and integration with your claims system.

~/ai

AI for insurers

Custom vision models fine-tuned on your own claims photos to route auto claims, and broker assistants over public policy wordings on a frontier model, each measured before launch.

~/chains

Subrogation ledger

A private permissioned ledger where participating carriers record recovery demands, offers and agreed settlements once, so an agreed amount is not argued over again months later.

// questions

What buyers in this industry ask us.

Do you build to the rules insurers work under?

Yes. We build to the requirements your compliance team sets out, including PIPEDA and provincial privacy law, OSFI guidelines for federally regulated insurers and the fair treatment of customers expectations of your regulators. We do not give legal advice.

Do you work with MGAs and brokers as well as carriers?

Yes. We are in British Columbia and work with insurers, MGAs and brokers anywhere; prices are in Canadian dollars.

How do payments work?

A deposit to start, then payments at agreed milestones, with 10% held until 30 days after launch. The deposit is a smaller share on larger projects.

Who owns the code and the models?

You do, once the work is paid for, including any model fine-tuned on your claims data.

// other industries

Nearby industries.

~/finance

Finance and fintech

Lending apps with identity checks, support agents, underwriting document readers and partner settlement ledgers.

See the examples

~/banking

Banking

Commercial loan portals, AML alert triage, shared KYC records between credit unions and procedures assistants for your branch staff.

See the examples

~/automotive

Automotive and mobility

Apps for your service drive with video inspections, service advisor agents, shared vehicle history on a private ledger and EV charging apps.

See the examples

All industries

// where we work

Find your market.

We work from Kelowna with clients across Canada, the United States and further afield. Each market page covers working hours, hosting, the privacy law that applies, and prices in your currency.

Every market

// next

Not quite your project?

Tell us what you have in mind. We will come back to you with a range and the questions that would narrow it. Or book a call and talk it through.

Start a project Book a call