CHARLEE.AI

AI-powered predictive analytics and claims intelligence platform for P&C insurance carriers.

Claims Technology Startup Seed

Overview

CHARLEE.AI is an AI-powered claims intelligence platform purpose-built for the property and casualty insurance industry. Founded in 2016 by Sri Ramaswamy and John Standish (formerly known as Infinilytics Inc.), the company applies natural language processing and machine learning to analyze unstructured claims data -- including adjuster notes, medical records, and legal documents -- to predict litigation risk, severity, adverse outcomes, and fraud patterns before they escalate.

The platform is pre-trained on a proprietary dataset of over 55-60 million historical insurance claims, giving carriers out-of-the-box predictive accuracy without requiring extensive client-side model training. CHARLEE.AI enables P&C carriers to intervene earlier in the claims lifecycle, improve reserve accuracy, reduce litigation costs, and identify patterns that traditional structured data analysis would miss.

The company has been active in building its partner ecosystem, with integrations into major claims management platforms including Duck Creek, Snapsheet, and PCMS. In early 2025, CHARLEE.AI launched its Agentic AI Library -- a suite of task-specific AI agents designed to automate insurance workflows and decision-making processes.

Products & Services

Claims Severity and Litigation Prediction Engine

AI-powered engine that predicts litigation probability, severity outcomes, and adverse claim events in real time. Pre-trained on 60+ million historical claims with real-time scoring capabilities.

Key Features

Litigation probability scoring at FNOL and throughout claims lifecycle
Severity prediction across perils (auto, GL, workers comp)
Early identification of high-risk claims for proactive intervention
Reserve adequacy monitoring and leakage analysis

Target Users: Claims adjusters, claims managers, and analytics teams at P&C carriers

Charlee Agentic AI Library

Launched February 2025, a cutting-edge suite of task-specific AI agents designed to automate insurance workflows and decision-making processes.

Key Features

Task-specific agents for individual claims workflow steps
Automated document summarization and data extraction
Intelligent decision support for claims handling
API-based deployment for integration with existing systems

Target Users: Carrier IT and operations teams seeking workflow automation

AI-Enabled Claims Assistant

Virtual assistant providing real-time claim recommendations, intelligent document summarization, and actionable insights to claims handling teams.

Key Features

Natural language query interface for claims data
Real-time alert delivery on emerging risk signals
Cognitive and sentiment analysis on unstructured claim text
Integration-ready with existing claims management platforms

Target Users: Claims adjusters and supervisors

Fraud Detection and Alert System

Advanced fraud detection and pattern recognition engine that identifies red flags and suspicious claim patterns using cognitive analysis.

Key Features

Portfolio-level pattern recognition for fraud detection
Sentiment analysis on adjuster notes and claim documents
Configurable alert thresholds for risk tolerance
Audit trail for compliance and SIU referrals

Target Users: Special investigations units (SIU) and claims leadership

At a Glance

Founded: 2016
Headquarters: Pleasanton, California, USA
Employees: 11-50
Funding: Seed

Category & Focus

Category: Claims Technology
Subcategories: Predictive Analytics AI/ML Natural Language Processing Litigation Management Fraud Detection
Insurance Verticals: P&C Commercial P&C Personal Workers Compensation
Target Customers: Carriers, TPAs