SmartNet builds risk-scoring models that incorporate a wider set of data points than traditional actuarial tables — including telematics and IoT data for auto and property lines — producing pricing that's more accurate at the individual policy level.

We integrate these models directly into carriers' existing policy administration systems, so underwriters get AI-assisted scoring inside the workflow they already use rather than a separate tool to check.

How Does AI Speed Up Claims and Catch Fraud?

SmartNet builds computer-vision models that assess vehicle and property damage directly from submitted photos, letting adjusters settle straightforward claims in hours rather than the days a manual inspection cycle typically takes.

On the fraud side, we build anomaly-detection systems trained on a carrier's own historical claims data to flag patterns worth investigating, tuned to minimize false positives that slow down legitimate policyholders.