Hesper AI

How Hesper's agents run claims by line of business - property, auto, commercial auto, liability, workers' comp, cyber, marine cargo, travel, BI and pet.

Hesper's AI agents run every stage of a P&C claim, from first notice of loss to subrogation recovery, with investigation-grade evidence behind every decision.

Free, ungated calculators and reference tools for P&C claims teams. Every benchmark carries its publisher, its year and a link, and no tool asks for an email.

Hesper AI integrates with claims systems of record, analyzing files and returning cited findings while preserving the original claim, reserves, and audit trail.

The people behind Hesper AI. Pankaj Dhariwal (CEO) and Nitish Badu (COO) - founders shipping AI claims investigation for insurance SIU teams.

Research and perspective from the Hesper AI team on claims automation, investigation, and fraud - from first notice of loss to final recovery.

Nitish Badu is the COO and co-founder of Hesper AI. 5+ years in B2B GTM with 4+ in document processing and insurance. Previously GTM Lead at Super.AI and enterprise sales at Nanonets.

Pankaj Dhariwal is the CEO and co-founder of Hesper AI. 9+ years in engineering, 4+ in document processing. Previously Engineering Lead at Nanonets, where he built and shipped Nanonets Flow.

The company launches a claims automation program for MGAs and TPAs in 2026 and 2027, offering founder-led onboarding and free processing of the first 200 claims.

What claims investigation software costs: the published benchmarks and what each one actually counts, the manual baseline in BLS wages, and what sets a quote.

5 Ocrolus alternatives carriers shortlist in 2026: Hyperscience, ABBYY Vantage, Rossum, Inscribe, and the autonomous-investigation layer Ocrolus lacks.

5 CCC Intelligent Solutions alternatives for 2026: Hesper AI, Mitchell/Enlyte, Solera, Shift and FRISS, sorted by the layer each one actually replaces.

Carpe Data alternatives, compared: Carpe's MCP-native products let an agent order an investigation, but delivery is still 1-4 days. Ordering is not running.

Head-to-head and alternatives pages across the claims automation landscape - detection, document AI, core claims systems and analytics vendors - and where Hesper AI fits beside each.

Hesper AI builds AI-powered claims investigation agents for insurance carriers. Founded by operators who shipped fraud and identity systems at scale - now compressing 14-day SIU work into minutes.

Hesper AI demonstrates its product on real flagged claims during a 30-minute walkthrough with the founders.

Hesper is the AI claims resolution platform. AI agents run the full claims lifecycle - FNOL intake, triage, coverage, investigation-grade fraud workups, settlement, and subrogation recovery. Minutes, not weeks.

Hesper AI Data Processing Addendum. Processor and service provider terms, CCPA commitments, GLBA reuse limits, subprocessors, breach notification, international transfers, audit rights and deletion.

Hesper AI outlines its privacy policy, detailing data collection, retention, subprocessors, security, and user rights under US state privacy law, GLBA, and GDPR.

Hesper AI acceptable use policy. Permitted purposes and prohibited uses of the AI claims investigation platform, including the requirement for human review before any adverse claim action.

Hesper AI legal centre. Terms of service, master subscription agreement, data processing addendum, security, subprocessors, acceptable use and service levels for AI claims investigation.

The Hesper AI Master Subscription and Services Agreement. Licence scope, human review obligations, no training on customer data, data rights, indemnities, liability caps and regulator examination access.

How Hesper AI secures insurance claim data: encryption, access control, tenant isolation, AI-specific controls, incident response, and alignment with the GLBA Safeguards Rule, NAIC Model 668 and 23 NYCRR Part 500.

Hesper AI finds that **auto insurers use AI to approve claims automatically**, with no regulatory barriers in the US. A survey of **193 large auto insurers by the NAIC shows none employ AI-driven denial models**, indicating a shift toward automated approvals while human review remains for disputes.

Oct 2026Hesper AINews article

Employers in self-insured claims programs bear full financial responsibility for claims while lacking control over reserve settings. The process relies entirely on third-party administrators (TPAs), which evaluate evidence to determine claim outcomes. This dynamic shifts decision-making authority to TPAs, leaving employers with limited oversight.

Oct 2026Hesper AINews article

CLARA asserts ownership of the evidence trail behind insurance claim decisions. The system tracks justification records—what factors influenced the outcome—but does not document the full investigative process, including what was examined and excluded. This distinction highlights a gap in transparency for how AI-driven assessments reach conclusions.

Oct 2026Hesper AINews article

Hesper AI analyzes 21 disputed property claims where insurers underpriced **146 line items** while omitting just **28**. The discrepancies stem from documented pricing disagreements rather than missing entries. The platform highlights how data-driven tools can resolve claim valuation conflicts by surfacing concrete discrepancies in insurer assessments.

Oct 2026Hesper AINews article