In a move set to accelerate AI adoption in the insurance industry, Five Sigma, the AI claims technology company behind Clive™, the industry’s first Multi-Agent AI Claims Expert, and Sutherland – a global business and digital transformation company, announced a strategic partnership designed to reshape the way insurers handle claims, from first notice of loss to final settlement.
The partnership combines Five Sigma’s Claims Management AI and automation technology with Sutherland’s AI-native digital engineering and Business Process-as-a-Service (BPaaS) expertise, creating a powerful combination that accelerates insurers’ AI transformation journey from strategy to execution.
Together, the companies aim to offer insurers a comprehensive, front-to-back claims modernization solution that dramatically reduces cycle time, claims leakage, and operational cost, while improving policyholder experience.
Meeting the AI Moment in Insurance Claims
The announcement comes at a critical time for the insurance sector. Analysts project the generative AI market in insurance will grow from $820 million in 2024 to more than $14 billion by 2034. According to the Boston Consulting Group, claims management is a high-value area for AI implementation, and insurers adopting AI have cut costs by 20% and shortened claim handling by 50%. Five Sigma and Sutherland have recorded even more substantial improvements across their deployments.
Yet many carriers still operate on outdated systems and fragmented automation strategies that prevent them from realizing the benefits of AI and automation. This partnership will allow insurers to leapfrog legacy constraints through AI technology that works with existing systems and is built to drive transformation fast.
A Combined Solution from Intake to Settlement
Five Sigma’s AI Claims Management Platform (CMS) is designed from the ground up to support AI insights and automated workflows. The platform offers real-time visibility into every aspect of a claim and features an integrated communication hub that allows adjusters to manage voice, text, email, and even WhatsApp conversations in one place.
Built-in within the platform is Clive™, Five Sigma’s Multi-Agent AI Expert. Clive dynamically plans the handling of each claim and advances it automatically, coordinating multiple specialized AI agents that manage various stages and tasks, such as intake, liability, coverage, fraud scoring, compliance, and settlement. Clive pushes the claim forward autonomously according to each insurer’s guidelines and permissions, while keeping adjusters and team leads in control of judgment calls. Apart from Five Sigma’s CMS, Clive works on top of any existing claims system, bringing AI and automation to any claims operation.
Sutherland brings to this partnership its deep digital transformation and AI integration capabilities through its CognilinkClaims platform, AI-led adjudication tools, and flexible BPaaS models. With over 14,000 digital engineers and 40+ proprietary platforms spanning system integration, automation, and analytics, Sutherland enables insurers to build connected, intelligent claim ecosystems that deliver measurable outcomes.
Designed for Impact and Speed
The joint offering is designed to be modular and low-disruption, enabling insurers to implement AI-led claims transformation in phases. The solution integrates seamlessly with existing core systems, enabling carriers to modernize at their own pace, accelerating time-to-value, minimizing risk, and enhancing operational agility.
Clive is already delivering tangible, measurable results for leading insurers around the world. Five Sigma’s customers report millions of dollars saved annually on litigation costs and external expert reviews, 60% faster response times for general queue emails, 40% faster claim resolution times, 35% reduction in claims handling costs, 70% improvement in accuracy, and overall improved policyholder satisfaction.
