SShift Claims by Shift Technology

Shift Technology says early users of Shift Claims, including AXA Switzerland, reached a 60% overall automation rate, handled claims 30% faster and cut claims losses by 3%. Those are strong results for a product launched in September 2025, and they come from a company that has sold AI to insurers since 2014 and had analyzed nearly two billion claims by 2021.

Shift Claims is best for carriers with high claim volumes that want AI to assess, route and settle simple claims while handlers focus on complex ones. The main thing to plan for is cost visibility: pricing is shared by quote, and deployment means connecting to core systems and training the agents on your own process. We rate it 7.5/10 on our scale. We have not used Shift Claims; this review is based on Shift Technology’s published information.

Vendor Outcome Figures and a Long Funding Record

Shift publishes outcome figures for its early adopters and a long funding record. Read the outcome numbers as vendor-reported results from a small group of insurers.

For a buyer, the 60% automation figure is the one to test. It is an overall rate across early adopters, and the mix of claim types decides how much of it a given insurer can reach. Shift Claims scores every claim for complexity and exposure, so claims involving injury or litigation exposure are the ones more likely to be routed to handlers than automated.

The company history counts in Shift’s favor. Shift has built AI for insurers since 2014, starting with fraud detection, so Shift Claims builds on models trained for real claims operations. The funding figures date from 2021, the last round Shift announced, so ask about the company’s current financial position during procurement.

Shift Claims Rides on Top of Current Core Systems

Shift Claims is an AI layer that sits on an insurer’s existing claims and core systems. Shift describes four connected areas of work, each handled by agents that are trained on the insurer’s own claims process.

1. Assess Claims Complexity

The system reviews claim documents and evaluates coverage exclusions, liability, damage, injury, subrogation potential and litigation exposure. This is where Shift’s insurance-trained language models, used since 2024 for extraction, summarization, classification and liability decisions in subrogation, do their work.

2. Classify, Prioritize and Assign

An agent classifies each claim and scores its complexity, urgency, priority and exposure. Based on those scores it routes the claim either to automation or to the handler best placed to take it.

3. Assist and Advise Handlers

For claims that need a person, an advisory agent guides document review, decision-making, communication and negotiation. It suggests next steps and tracks progress so handlers can see where each file stands.

4. Automate Claims and Tasks

A straight-through processing agent automates whole claims and individual tasks. Shift says automation happens when appropriate and guidance is given when human expertise is needed, and that insurers keep full control of the process.

Where It Fits With Other Shift Solutions

Shift Claims is one part of a wider Shift Technology lineup. The company also sells solutions for coverage and liability, assessment, fraud and risk, subrogation and orchestration. For an insurer, that means the same vendor can flag a suspicious claim, decide whether recovery from a third party is possible and decide whether a claim can be settled automatically. Whether those pieces are bought together or one at a time is a contract question, and it changes both the price and the integration plan.

Eric Sibony, Shift’s chief scientist and chief product officer, framed the launch around automation used where it fits, with guidance for handlers elsewhere. AXA Switzerland’s Markus Keller, its COO and head of customer operations, said the approach gave the insurer confidence that the best actions are taken. Both statements point to the same design: the agents decide what to automate, and people keep the claims the agents route to them.

Scope, Integrate and Train Before Going Live

• Scope: choose the lines of business and claim types to start with.
• Integrate: connect Shift Claims to the claims and core systems that hold policy and claim data.
• Train: the agents learn the insurer’s own claims process and rules.
• Set thresholds: decide which claims qualify for straight-through processing and which go to handlers.
• Measure: track automation rate, handling time and leakage against a baseline.

Complex and Litigated Claims Go to Handlers

Handlers take every claim the agent routes to them, including complex, high-exposure and litigated claims. Claims leaders set the rules for automation and review results. Shift’s own framing is collaboration between AI and people, so plan for handlers to work alongside the agents rather than be replaced by them.

Insurer Contracts With Terms Set in the Sales Process

Shift Technology does not publish prices for Shift Claims. It is sold to insurers through enterprise contracts, and terms are set in the sales process.

Handler Capacity at an Illustrative Regional Carrier

Without a rate card, the useful arithmetic is about workload. These examples apply Shift’s reported early-adopter figures to illustrative claim volumes; they show capacity, not price.

• A regional carrier with 5,000 claims a month: at the reported 60% automation rate, about 3,000 claims a month would be processed without a handler, leaving 2,000 for staff.
• A large carrier with 40,000 claims a month: the same rate would mean about 24,000 automated claims and 16,000 handled by people with agent guidance.
• Cycle time: if a typical claim takes 10 days today, the reported 30% speedup would bring it to 7 days.

Those capacity gains only turn into savings if staffing, vendor spend or leakage actually fall. A carrier that reallocates handlers to complex claims may see better outcomes on those claims rather than a lower payroll, which is still a return but a harder one to show in a budget review.

Costs to clarify in procurement: whether pricing is per claim, per module or a platform fee; integration and implementation charges; the cost of adding lines of business; and how fees change as automation rises.

Shift Claims Compared With Clive by Five Sigma, Agentech and Bevaya

Claims agents for insurers differ mainly in scope: some cover the whole claims lifecycle, others focus on adjuster desk work or document-heavy operations.

Shift’s edge is its history in claims data and fraud, which feeds the assessment and routing agents. Clive is the closest like-for-like rival for carriers that want modular agents. Agentech fits adjusting firms that want more files per adjuster. Bevaya suits insurers looking beyond claims. See more in our guide to AI agents for insurance and enterprise AI agents, or compare underwriting with Sixfold.

High-Volume Carriers and Existing Shift Fraud Clients

• Carriers with high claim volumes: the routing and straight-through processing agents pay off when thousands of simple claims arrive each month.
• Insurers already using Shift for fraud or subrogation: Shift Claims builds on the same models and fits alongside its other solutions.
• Claims leaders focused on leakage: early adopters report 3% lower claims losses, which can matter more than handling speed.
• Teams that want to keep their core system: Shift Claims runs as a layer on existing claims platforms.
• Multinational insurers: Shift has clients in many countries, including AXA Switzerland as an early adopter of Shift Claims.

Brokers and Low-Volume Carriers

• Agencies and brokers: Shift Claims is built for insurers that own the claims process.
• Small carriers with low volume: the integration and training effort may outweigh the gains.
• Buyers who need a price list: Shift shares pricing by quote.
• Insurers that only need adjuster productivity: a narrower tool such as Agentech may be quicker to deploy.
• Teams without claims data access: the agents learn from your process and connect to your systems, so locked-down legacy systems can slow setup.

Early-Adopter Numbers and Claims Fairness Rules

• Vendor-reported results: 60% automation, 30% faster handling, 3% lower losses and 99%-plus accuracy come from Shift’s early adopters. Ask for results by line of business.
• Regulation and fairness: automated claims decisions must be explainable to regulators and customers. Confirm how each decision is logged and reviewed.
• Integration effort: the layer approach avoids replacing a core system, but it still needs reliable data feeds from it.
• Training on your process: agents learn from the insurer’s own rules and history, so poor historical data can carry into automated decisions.
• Handler adoption: guidance only helps if handlers trust and use it. Plan for change management.
• Contract scope: clarify which modules and lines of business are included before signing.
• Company figures from 2021: the client count, valuation and funding totals are from Shift’s 2021 Series D announcement. Ask for current customer numbers and references in your market and line of business.

The September 2025 Launch of Shift Claims

• On September 16, 2025, Shift Technology launched Shift Claims, an agentic AI solution covering claims assessment, routing, handler guidance and automation, with AXA Switzerland among its early adopters.
• Shift’s press page on the launch summarized early adopter results of 3% lower claims losses, 30% faster handling, 60% automation and over 99% assessment accuracy.

A Serious Option for Big Carriers, With Room to Ease Setup

For large insurers with heavy claims volume, Shift Claims is a serious option. It scores 7.5/10 on our scale: high on autonomy, with the score reflecting quote-only pricing, a demanding enterprise setup and limited public detail on security and integrations, areas Shift could open up. The score reflects what a buyer can verify before talking to sales, not the quality of Shift’s models.

The biggest open question for most buyers is fit with their own claim mix. Shift’s early adopter numbers are averages across a small group, and an insurer weighted toward complex commercial or injury claims may see a different automation share from one handling high volumes of simple personal lines claims, because the agents route high-exposure files to people. That does not make the product weaker; it changes where the value shows up, from straight-through processing toward routing and handler guidance.

Shift’s case rests on a decade of claims and fraud work and on early results such as AXA Switzerland’s. Ask for a pilot on one line of business with a clear baseline, measure automation and leakage yourself, and compare the quote with Clive, Agentech and Bevaya on the same claims.

Clearing Up How Shift Claims Works for Carriers

How Much Does Shift Claims Cost?

Shift Technology does not publish prices. Shift Claims is sold to insurers through enterprise contracts, so costs depend on claim volume, modules and integration scope.

What Does the Shift Claims STP Agent Do?

The straight-through processing agent automates whole claims and individual tasks without a handler. Claims that are complex or carry high exposure are routed to people instead.

Does Shift Claims Replace Our Claims System?

No. Shift describes it as an AI layer that works with existing claims and core systems, with agents trained on each insurer’s own process.

Who Uses Shift Claims?

Shift names AXA Switzerland as an early adopter. Across its products, Shift Technology reported more than 100 clients in 25 countries in 2021.

How Is Shift Claims Different From Shift’s Fraud Detection?

Shift began with fraud detection, which flags suspicious claims. Shift Claims covers the wider claims lifecycle: assessing complexity, routing, guiding handlers and automating simple claims end to end.