AI built for Insurance.
Your claims and underwriting teams are buried in documents, not decisions. RIVER builds the AI layer that triages claims, prepares underwriting briefs, and handles the routine policy admin - so your team spends its hours on judgement calls, not data entry.
Sounds like you if a bad weather event or a busy renewal season floods your claims team, and manual triage can't keep up with the volume.
- NZ-hosted, built for IPSA fair-conduct and CPS 230 requirements
- Every risk score and decision card reviewed by your team
- Live in weeks, alongside Guidewire, EIS or SSP - not replacing them
The volume spikes. Your headcount doesn't.
Cyclone Gabrielle and the Auckland Anniversary floods generated over 118,000 claims worth $3.8 billion, and insurers had to bring in more than 1,000 additional staff just to keep pace - manual triage doesn’t scale. Add IPSA reform and APRA’s CPS 230 pushing you toward better governance and explainability, and the paperwork grows faster than the team that has to carry it. RIVER builds that layer for you.
Your book today
With RIVER
Claims arrive by email and get triaged by hand, whoever gets to them first.
Every claim pre-extracted, risk-scored and routed the moment it lands, for your team to review.
An underwriter spends days gathering data before a quote can be built.
Data gathered and risk-scored against your criteria - the underwriter reviews a brief, not builds one from scratch.
Endorsements, mid-term adjustments and renewals all need staff processing.
Routine policy changes handled automatically, with your team working the exceptions.
On your policy admin system - Guidewire, EIS or SSP - never replaced.
A customer calls to check claim status, and someone has to look it up.
Customers and brokers track claims and get instant answers, day or night.
Underwriting knowledge lives in a few experienced heads, and they're retiring.
That expertise captured in the platform, so it scales beyond any one person.
Your underwriters and assessors keep the judgement. The platform takes the volume.
What AI actually does here. Grounded in the work, not the hype.
Claims triaged, underwriting briefs prepared, policy admin handled - the platform does the routine work and leaves the risk call to your team.
Take the claims and the quotes
The two biggest time drains first: triaging what comes in, and gathering what a quote needs. Both prepared for your team to decide.
Flagged for review - claim value above auto-approval threshold.
Then the policy admin and the self-service
On that foundation, the routine admin runs itself, and customers stop needing to call to find out what's already true.
You don't start from scratch. We tailor what's proven to your book.
RIVER is over 100 prebuilt modules, tailored to your policy admin system and your book in weeks - built to sit alongside Guidewire, EIS and SSP, not replace them.
Everything a compliance or procurement review asks for is in our Trust Centre
- Built for IPSA fair-conduct reporting and APRA's CPS 230 operational resilience requirements.
- Sits alongside Guidewire, EIS, SSP and broker platforms - connected, never ripped out.
- Every risk score, decision card and quote is reviewed by your team before it counts.
Our business runs on what RIVER built. They have been central to our technology and our growth, and it keeps driving results.
Mark BramwellDirector, Commercial Realty · 2024Start with one module. Prove it, then grow.
One outcome live in weeks - claims triage, or the underwriting brief - then add the next when it's earning its place.
The investment
One module live - the knowledge base and claims intelligence.
Or run it on the Retainer from $5,000 a month. If something isn’t delivered in a month, that month is free.
Every insurance engagement includes
- A discovery that agrees your first claims or underwriting win
- Human review built into every decision card
- NZ-hosted, built for IPSA and CPS 230 requirements
- Connection to the policy admin system you run
- The security documentation a compliance review asks for
- Your data, your IP, yours to keep
The questions people ask when they’re ready to move.
Easy to start. Fast to prove. Built to scale.
Tell us about your your book, and we’ll take it from there. Prefer to look first? Ask Moana, or take the free Readiness Check.
Ideas from the field.
Guides and research from a team that ships it.
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Teams like yours, in their own words.
A decade of work, across health, sport, finance and the public good.
RIVER learnt our business inside out, and found growth we hadn't seen ourselves. That is what changed our ability to scale.
Jay HarrisonFounder, Edison Health · 2022We crunch through complex data to generate insights, and RIVER made it simple to work through, while keeping everyone aligned on our core value proposition.
Alex OsbornCTO, trev · 2024Our business runs on what RIVER built. They have been central to our technology and our growth, and it keeps driving results.
Mark BramwellDirector, Commercial Realty · 2024RIVER listens, understands what we actually need, and gives us our time back. That is what a good partnership looks like.
Tony NaiduDevelopment Manager, Auckland Badminton Association · 2025RIVER helped us validate our market and launch our platform, and they haven't stopped since. They've been with us every step.
Mike CollinsFounder, iMatch Sport · 2025RIVER has been a trusted partner from the start, and they exceeded what we expected. We're already seeing the difference their work is making.
Ellen LekkaProgramme Specialist, UNESCO & SVSG · 2025The team at RIVER has been an incredible partner from day one. Their ongoing support helped make our success possible.
Scott TownshendFounder, trev · 2022RIVER approached every detail with care. Every decision was made with consideration and purpose.
Daemon CoyleGM, Mental Health Foundation · 2021Our new brand is bold and effective, and customers love it. The website has driven a real increase in leads.
Marcus SinGM, Cleanly · 2020We have always been ambitious about what our site should do, and RIVER take on the hardest parts of it. They make it happen, no matter how complex.
Chris HartFounder, Real Groovy · 2021RIVER are responsive and always ready to adapt. We have never had to chase them, and their support has been critical as our needs changed.
Supriya Kulkarni-PadhyeM&E Coordinator, Oceania Football Confederation · 2020We love our new brand. It reflects who we are as a team and resonates with our customers. Thank you for bringing our vision to life.
Tracy BergeGM, Greentree Advisers · 2021