Basepilot
Basepilot · Productivity
Basepilot builds AI agents that handle insurance claims work from first notice of loss to settlement, running inside the claims systems insurers already use.
About Basepilot
What Is Basepilot
Basepilot is a San Francisco company that sells AI agents for insurance claims work to carriers, MGAs and TPAs. It doesn't ship one general assistant. It ships separate agents for separate steps: intake, assignment, coverage review, document extraction, status updates, letter writing, subrogation, reserves, payment and fraud checks. Each agent is configured around a carrier's own rules, so its output matches how that team already handles a file.
The problem it goes after is the handoff between systems. One claim can cross an inbox, a policy admin platform, a document store and a payment tool, and a handler retypes the same facts at every stop. Basepilot reads those sources, structures the data and pushes the file forward. The company reports roughly 20% shorter claims cycle time and lower loss adjustment expense for its customers, and counts Old Republic International and Zurich among them.
The limits are worth stating up front. This is an enterprise product with no self-serve signup, no published price list and no public API documentation, so any evaluation starts with a sales call. An agency handling a few hundred claims a year will likely find the setup work heavier than the return. Basepilot also frames its agents as help for adjusters rather than a replacement, which means coverage disputes and settlement authority stay with a person.
Getting Started
- Book a demo and walk through one live claims workflow with the Basepilot team.
- Pick the line of business and the single task to automate first, such as FNOL intake or document extraction.
- Connect the claim system, mailbox and document store the team already uses; Basepilot says no migration is needed.
- Run a pilot on real files and check the agent's output against what a senior adjuster would produce.
- Expand to the next task once accuracy and cycle time hold on a full queue.
Product Information
A quick look at Basepilot's pricing, supported platforms, and performance.
Best for
The users, tasks, and scenarios where this tool fits best.
Users
- Claims adjusters at carriers
- TPAs and MGAs
- Claims operations leads shopping for claims operations software
- Innovation and digital teams at insurers
Tasks
- First notice of loss intake
- Document extraction
- Coverage checks
- Settlement correspondence
Scenarios
- Catastrophe events
- Workers' compensation files
- Specialty and complex commercial claims
Key features
Line-of-business agents
Basepilot tunes each agent to one insurance line: personal (travel, auto, home and renters, health), commercial, specialty and workers' compensation. A commercial property claim and a travel claim don't share the same fields, exclusions or letter templates, so a single generic model tends to fumble both. The benefit for a carrier is that the agent's questions match the claims it actually receives.
Intake and assignment
FNOL automation starts where claims arrive: email, phone, web forms, live chat and mobile apps. The agent reads each one, extracts the loss facts and creates or updates the claim record, then routes it using custom business logic, adjuster skill and current capacity. Routing on capacity matters more than it sounds: it's the difference between a balanced queue and three adjusters buried while two sit idle.
Coverage and fraud review
The decisioning agent reads the policy, checks coverage against the reported loss, runs a fraud check and recommends a decision. The adjuster sees the reasoning and the source passages, then approves or overrides. Basepilot keeps a person in the loop on purpose here, since coverage calls carry legal weight.
Document extraction and enrichment
Every document, message and file in a claim gets parsed into clean fields. That includes addresses, product names, incident details and the messy free text adjusters usually retype. Enrichment adds context the raw file lacks, such as related policies or prior claims, so the record is usable by the next person who opens it.
Communications, reserves and payment
The agents draft settlement letters, status updates and case summaries, coordinate the parties, and support reserve and payment steps, including subrogation. Letters are generated from the claim record rather than a blank template, which keeps amounts and dates consistent across every message a claimant receives.
Enterprise controls and private deployment
Data is encrypted in transit and at rest, and the company states customer data is never used to train models. Every action and output is logged for audit, role-based access controls and SSO are available, and carriers can run Basepilot in a private cloud or isolated environment with a model of their choosing. For a regulated insurer, that last option is often the item that gets a security review signed off.
Pros and cons
Pros
- Task-level agents rather than one broad assistant, so each piece of the claims automation can be judged on its own narrow job.
- Runs on top of existing claims and policy systems, which keeps a carrier from ripping out a platform it already paid for.
- Private deployment and model selection give regulated buyers a path through security review.
- Reported results are specific: about 20% shorter cycle time, lower loss adjustment expense and a 1 to 3 point loss ratio gain.
- Audit logging on every action supports the file review that claims regulators expect.
Cons
- No public pricing, so budgeting means a sales conversation before you know whether the numbers work.
- No documented public API, which makes it hard to plan custom integrations or an in-house build on top of it.
- Setup depends on a carrier's own rules and systems, so expect implementation time before the first agent is useful.
- The product is built for insurance claims only, so teams with broader document workflows will need a second tool.
Frequently asked questions
It automates the steps around an insurance claim: reading the first report, pulling data out of documents, checking coverage, drafting letters, and supporting reserves and payment. A person still makes the coverage and settlement decisions.
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