Automating the infrastructure of risk capital.
AI-native core operations for re/insurance: submissions, bordereaux, renewals, accumulation, delegated authority. Experts stop processing files and return to the risk.
Operations-as-software.
Re/insurance runs on email, PDFs, and spreadsheets. The industry has built its operations around these constraints for decades.
The most valuable people spend their days extracting data and moving files between systems. The judgement they were hired for goes unused.
Stoneborn reads each document as it arrives, reconciles the data, and writes it back to the systems already in use. Humans step in only for judgement.
Every document Stoneborn reads becomes structured data in one model of the business. That data runs the next process and informs the decisions beyond it, in Stoneborn or in the client's own systems.
Products, not use cases.
Each product runs a core process out of the box. All of them write to the same data model.
P&C Submission & Exposure
Intake, structuring, extractionStoneborn ingests each inbound submission, triages it against appetite, and extracts the exposure and loss data. Named risks, large losses, exposure profiles, premium and loss triangles, and treaty terms land in the model, ready for pricing and accumulation.
L&H Exposure Management
Bordereaux and in-force dataStoneborn processes policy and claims bordereaux, validates and enriches the data, and builds seriatim policy, lives, and claims history by period. Policy and product audits, experience analysis, and portfolio monitoring run on the result.
Technical Accounting & Middle Office
Bordereaux, statements of account, reconciliationFrom the bordereaux, Stoneborn pulls premiums and claims, maps them to treaty, and reconciles against statements of account. It audits treaty-term compliance at policy and claim level, screens for sanctions, and tracks cash-calls and settlements.
Risk & Portfolio Management
Read from the modelConsolidated exposure, premium, and loss data across all lines. Accumulation and development monitoring, portfolio steering, and capacity allocation run on the data the other products produce, in Stoneborn or exported to the client's own tools.
Building the operating system for re/insurance.
Workflow engine. Stoneborn assigns tasks, hands off between AI agents and experts, and records every step.
Operations as software. Stoneborn packages core processes as automated, modular, auditable products. Brokers and cedants each format documents their own way, and the formats keep changing. Stoneborn reads them as they come, with no template to set up.
Unified data model. Every Stoneborn process contributes data to one model of the client's business.
Intelligence loop. The model powers decisions, in Stoneborn or in the client's systems, and feeds back into the operations.
Private and secure by design: client data stays the client's, never used to train shared models.
Live at global reinsurers.
Work that once took days now runs in minutes, traceable from source document to system of record. It holds at real volume, and every figure reconciles before it moves on.
After having tried various solutions, this is the first GenAI tool for submission processing in which our organization has confidence.
Built by insurance operators.
Domain experts and engineers, building together across Zürich, London, and Toronto.
See it run on your own workflows.
Tell us what you run today and what you’d like to see. We tailor Stoneborn to your operation.
Or email westgate@stoneborn.io.
