Today, businesses need tools that keep pace with modern demands, especially in the complex field of risk and claims management. Outdated systems often hinder progress, leaving organizations struggling to deliver seamless customer experiences. The insurance industry, in particular, has long relied on legacy platforms that fail to harness the full potential of today’s technological advancements. This is when there arises a need of innovation, where forward-thinking solutions bridge the gap between tradition and transformation, empowering companies to succeed.

Klear.ai leads this transformation, redefining how organizations navigate the risk and claims insurance landscape. Founded in 2018, Klear.ai is a third-generation software company with two decades of expertise in the insurance industry. Having worked extensively with legacy systems, the company identified critical barriers to success—outdated tools that lacked the sophistication of modern technology. In response, Klear.ai reimagined these platforms, creating a unified, AI-powered software ecosystem that delivers unparalleled efficiency and insight.

By integrating cutting-edge artificial intelligence and machine learning, Klear.ai’s secure solutions proactively offer actionable recommendations, streamlining risk management and claims processes. Industry-recognized and customer-centric, Klear.ai empowers organizations to collaborate effectively, enhance customer service, and drive growth.

At CIO Bulletin, we had the honor of interviewing Brijesh Kumar, the CEO of Klear.ai. With passion and clarity, he shared how he and his dedicated team, united by a commitment to excellence, are shaping a smarter, more connected future for insurance, empowering organizations to excel with streamlined solutions.

Interview Highlights

What sparked the creation of Klear.ai in 2018, and how did your team’s 20 years of experience with legacy risk and claims systems inspire the development of a modern, AI-driven software ecosystem? 

The roots of Klear.ai trace back to 2018, when a core team of seasoned professionals—drawn together through years of collaboration in insurance data and risk management—began a journey that would ultimately lead to the platform’s creation. Over the next two decades, this team—comprising both technical architects and business strategists—amassed deep experience modernizing legacy claims, risk, and data systems for complex insurance environments.

Through each successive engagement, a common theme emerged: legacy platforms were increasingly ill-suited to modern operational demands. Organizations faced fragmented data ecosystems, rigid workflows, and limited foresight—issues that impeded efficiency, transparency, and proactive risk mitigation.

Rather than continuing to work around these constraints, the team saw a transformative opportunity: to build a truly unified solution from the ground up—one that would leverage advanced analytics and automation at its core. That vision became Klear.ai.

With Native AI woven into the fabric of the product and a commitment to customer outcomes, Klear.ai reimagines insurance technology through a fully integrated ecosystem that unites policy, claims, risk, and analytics. It replaces siloed tools with predictive models, intuitive automation, and real-time insights—empowering users to streamline decisions, reduce costs, and mitigate risk at scale.

The philosophy Klear.ai offers:

• A smart, unified, and future-ready platform.
• Scalable solutions for policy, claims, risk, and analytics.
• A long-term trusted advisor.
• By weaving Native AI into the fabric of the product and committing to customer outcomes, we help organizations proactively drive risk reduction and operational efficiency.

Klear.ai isn’t just a response to market needs—it’s the culmination of decades of insight, reimagined through modern technology to shape the future of insurance.

Can you provide an overview of Klear.ai’s product suite, and explain how they collectively enhance the insurance industry?

Klear.ai offers a unified, Native AI-powered platform that redefines how insurance organizations manage policy, claims, risk, and operations. Designed to span the entire insurance value chain, the suite integrates seamlessly to deliver intelligence, automation, and efficiency at scale. Here's how each module contributes:

Klear.ai Policy Administration: The no-code capability reduces time to market and simplifies underwriting and end-to-end policy lifecycle management with AI-based risk scoring, gap detection, and dynamic issuance and renewal processes, ensuring agility and precision in policy operations.

Klear.ai Claims: Streamlines the entire claims lifecycle—from first notice of loss (FNOL) to resolution—through AI-driven workflows, touchless processing, automated reserve analysis, fraud detection, and compliance-ready reporting.

Klear.ai RMIS (Risk Management Information System): Centralizes and simplifies risk data across the organization. Offers real-time incident and policy tracking, exposure monitoring, premium allocation, safety, trend analysis, and tools to proactively mitigate and manage risk effectively. Our advanced AI models play a critical role in risk mitigation by analyzing vast datasets to identify potential risks, predict trends, and deliver actionable insights, enabling organizations to make informed decisions and reduce vulnerabilities proactively.

Klear.ai Intake: A robust intake and data integration engine that automates and digitalizes the capture, validation, and ingestion of incident, claims, and safety data from diverse sources—enabling real-time insights and responsiveness and improving the consumer experience.

Klear.ai Audit: Facilitates proactive audit management with predictive analytics, customizable scorecards, and automated workflows—enabling continuous improvement across compliance and claims functions.

Klear.ai Analytics: Empowers decision-makers with advanced machine learning models, generative capabilities woven into key workflows, intuitive dashboards, and self-service analytics.

How do Klear.ai’s AI-driven predictive insights and recommendations revolutionize risk and claims management, and what key AI innovation earned your global leadership status in 2025?  

Klear.ai’s global leadership in 2025 stems from its industry-first implementation of Native AI—AI that is not an add-on but is deeply embedded across every module of our ecosystem. This innovation enables real-time, predictive decision support throughout the risk and claims lifecycle.

Our AI-driven predictive models transform traditional risk and claims management by:

• Value for Platform Users
• Value for Clients, Members, and Policyholders
• Foresight in Action: Predictive models identify severity, fraud risk, litigation, and reserve gaps before they escalate.
• Smarter Decisions: AI suggests next-best actions—adjust reserves, reassign claims, prioritize audits—to improve speed and accuracy.
• Workflow Automation: Risk scores trigger intelligent workflows, reducing manual effort and errors.
• Transparency Built-In: Explainable AI ensures decisions are traceable, supporting compliance and trust.
• Faster, Fairer Outcomes: AI streamlines triage and processing, reducing resolution time and inconsistency.
• Risk Avoidance: Early insights empower clients to act before losses occur—enhancing safety and savings.
• Personalized Service: AI segmentation enables tailored communication, recommendations, and support.

This unified AI foundation—deployed across Claims, RMIS, Audit, Policy, and Analytics—earned Klear.ai global acclaim as the ‘Most Innovative Claims & Risk Management Software Firm of 2024’ and helped solidify our recognition among the ‘Global Best Companies of 2025’.

You identified limitations in legacy risk and claims systems as a key motivator. How does Klear.ai’s modern, configurable, and intuitive software ecosystem address these pain points, and what impact have you seen on clients transitioning from outdated platforms?

Klear.ai was built to overcome the limitations of legacy systems—rigid architecture, siloed data, high ownership costs, and poor user experience. Our cloud-native, AI-powered, and fully configurable SaaS platform delivers measurable impact from day one.

Addressing Legacy Limitations

Configurability: Enables non-technical users to customize workflows, dashboards, and data models without code—allowing quick adaptation to changing business and regulatory needs.

Unified Ecosystem: Combines Claims, Risk, Audit, Policy, and Analytics in one platform, eliminating silos and enabling centralized intelligence.

Automation & UX: AI-driven automation and a user-friendly interface reduce manual effort, streamline operations, and boost user adoption.

Scalability & Security: Hosted on Microsoft Azure for global scalability, real-time access, and enterprise-grade security (SOC 2, ISO 27001).

Real-World Impact on Clients

• Up to 70% faster processing of risk and claims tasks
• 100% user retention due to an intuitive interface
• Millions in projected savings from automation, fraud detection, and improved data accuracy
• Recognized in third-party surveys (e.g., Redhand RMIS Report) for top-tier analytics, experience, and system value

How does Klear.ai Audit’s 75% automation and 85% planning time reduction revolutionize compliance and operational excellence, and what feedback do auditors and executives share on its impact?  

Klear.ai Audit transforms audit lifecycle management with advanced automation, intelligent workflows, and predictive modeling. With Native AI embedded throughout, it accelerates planning and simplifies execution—enabling organizations to move from reactive compliance to proactive governance.

Revolutionizing Compliance & Operations

Automated Risk Scoring: Predictive risk scores prioritize audits, ensuring focus on the highest-impact areas.

AI-Driven Scheduling: Recurring audits and data prep are automatically scheduled, minimizing manual coordination.

Real-Time Compliance Tracking: Continuously monitors obligations and sends alerts for deadlines, anomalies, or gaps.

Integrated Audit Trails: All actions are logged, creating a defensible record for internal and external reviews.

Auditor and Executive Feedback

• Auditors report a sharp reduction in manual tasks and paperwork, allowing focus on high-risk insights.
• Executives consistently cite:
• Improved visibility across audit programs
• Greater confidence in compliance posture
• Faster issue remediation
• Data-backed strategic planning from audit insights

Klear.ai’s Policy Administration solution transforms underwriting with AI-powered precision. How does this technology enhance risk assessment accuracy and streamline operations and what potential do you see for it to reshape global insurance underwriting practices?

Klear.ai Policy Administration revolutionizes underwriting by embedding Native AI-driven risk analysis and decision support into every stage of the policy lifecycle—from quote to renewal. It enhances accuracy, automates operations, and sets a new standard for global insurance underwriting.

Enhancing Risk Accuracy and Efficiency

AI-Based Risk Scoring: Advanced models assess historical data, external indicators, and policyholder behavior to deliver real-time, highly accurate risk scores that surpass traditional methods.

Underwriting Automation: Automates routine tasks—assessments, document collection, renewals—freeing underwriters to focus on complex cases.

Unified Data Access: Centralizes underwriting, claims, and policy data to offer a 360° view of the insured, driving smarter decisions.

Dynamic Workflows: Configurable rules and jurisdiction-specific processes ensure compliance and speed across regions.

Reshaping Global Underwriting

Scalability for Emerging Markets: AI handles volume and consistency, enabling confident expansion into new or underserved regions.

Continuous Underwriting: Real-time data and predictive analytics allow dynamic risk adjustments beyond static models.

Hyper-Personalized Policies: AI supports micro-segmentation and adaptive recommendations, meeting demand for tailored coverage.

As a result, Klear.ai Policy Administration is not just modernizing underwriting—it is reinventing it for a digital-first, AI-augmented insurance future.

What are Klear.ai’s strategic goals for the next decade, and are there any upcoming product launches or technological advancements planned to further revolutionize risk and claims management?

Over the next decade, Klear.ai is strategically focused on deepening Native-AI capabilities, expanding global presence, and transforming the future of predictive risk and claims ecosystems. Our roadmap is shaped by the evolving demands of a digital-first insurance landscape, where real-time insight, automation, and agility are non-negotiable.

Strategic Goals (2025–2035)

Global Expansion: Enter new international markets, focusing on APAC and EMEA, to provide scalable, multilingual, and regulatory-compliant solutions.

Next-Gen AI Innovation: Enhance our predictive models with prescriptive analytics and causal AI, offering insights on both what will happen, why, and the next steps.

Open Data Ecosystem: Develop APIs and developer portals to foster third-party Insurtech integrations and enable a plug-and-play architecture.

Zero-Code Configuration: Further empower business users with drag-and-drop tools for workflows and rule-building, reducing reliance on technical teams.

Upcoming Product & Tech Highlights

AI Copilot for Risk Managers: An intelligent assistant leveraging large language models (LLMs) to assist with data exploration, risk triage, and report generation through natural language inputs.

Behavioral Analytics Module: Predicts insured and claimant behaviors to drive proactive engagement, improve retention, and reduce fraud.

Global Compliance Engine: An automatic regulation mapping framework to ensure compliance across jurisdictions, minimizing risk for multinational clients.

These initiatives will position Klear.ai as not only a technology provider but as a strategic partner in transforming intelligent insurance operations.

The Visionary behind Klear.ai’s Success

Brijesh Kumar is the Founder and CEO of Klear.ai, leading the company since 2018. With over 20 years of experience in insurance technology and enterprise data systems, Brij has transformed risk, claims, and compliance management through artificial intelligence.

As an industry pioneer, he identified inefficiencies in legacy systems and developed Klear.ai’s fully integrated, AI-native ecosystem. With expertise in data engineering and cloud SaaS architecture, he created a platform that blends automation and decision intelligence seamlessly.

Under his leadership, Klear.ai has expanded globally, maintained 100% client retention, and won numerous awards, including Most Innovative Claims & Risk Management Software Firm 2024. Brij fosters an employee-first culture that promotes innovation, transparency, and empowerment, contributing to Klear.ai's low attrition rate and top-tier employer status.

Known for his collaborative approach and drive for excellence, Brijesh continues to lead Klear.ai at the forefront of Insurtech innovation, solidifying his reputation as a leader in global risk management.

“Klear.ai is advancing Native AI capabilities, entering new markets, and revolutionizing policy, risk, and claims ecosystems with predictive intelligence to meet the needs of a digital-first insurance landscape.”