AI data analyst for insurance companies
Explain the loss ratio before the pricing review.
Loss ratio by broker, on one board. Bruin flags what moved.
Home book
Q3 to date · all brokers
- Loss ratio
- 71%
- +9 pts
- Frequency
- 47
- +6 per 1,000
- Severity
- $12.0K
- +0.4%
- Retention
- 84%
- −1 pt
Home loss ratio by month, %
Loss ratio 71%, up from 62%. Two brokers drive most of it.
policies.home + claims.incurred + finance.earned_premium · refreshed 06:00
Trusted by forward-thinking teams
Ask it anything
Pricing review at 3. You know why by 1:45.
Your numbers
Defined once. Used in every answer.
- Loss ratio
(paid_losses + change_in_reserves) / earned_premium- Combined ratio
(incurred_losses + lae + underwriting_expenses) / earned_premium- Claim frequency
claim_count / earned_policy_years × 1000- Severity
incurred_losses / claim_count- Retention
renewed_policies / policies_due_for_renewal- Quote-to-bind
policies_bound / quotes_issued
From a customer
“Thanks to Bruin, we have been able to automate all the manual parts of our data pipelines. We are able to focus on our business users' needs while delivering insights faster than ever before.”
Alperen YildirimData Engineer, Workhy- faster time-to-insight
- 4x
- fewer data quality issues
- 60%
- faster data ingestion
- 200%
Built on the Bruin platform
What runs behind the answer.
Sources
DatabasesWarehousesApps & APIsFiles & storageStreams & webhooksWeb scrapingMove
Data IngestionSecurity & compliance
Enterprise-grade security.
Bruin Data Limited is ISO/IEC 27001:2022 certified by Prescient Security and SOC 2 Type 2 attested.
- Role-based accessGranular permissions, scoped per channel and team
- Audit logsComplete activity tracking
- Single sign-onSAML 2.0 and OAuth
- EncryptionAES-256 at rest and in transit
- Private linksVPC peering support
- Data residencyGDPR compliant
- Access controlsIP allowlisting
- Two-factor authAn extra layer on every login
Frequently asked
Questions from insurance teams.
How do I know Bruin’s loss ratio is right?
Every answer shows the query and sources, and column-level lineage traces each figure back to the policy, claims or bordereau table. Loss ratio, frequency and severity have one definition, tested on every run.
Which insurance systems does Bruin connect to?
Policy and claims databases on SQL Server, Oracle or PostgreSQL, bordereaux over SFTP or in Google Sheets, Salesforce for broker data and your warehouse, plus thousands more through APIs.
Can Bruin handle bordereaux from our MGAs?
Yes. Each bordereau loads as it lands, maps to your fields and is checked against premium received. If one doesn’t reconcile, the owner gets the policies that differ.
Can Bruin explain why our loss ratio moved?
Yes. Ask by broker, product or underwriting year, and Bruin splits the change into frequency and severity and names the perils behind it.
Can Bruin flag brokers with high loss ratios before the quarter closes?
Yes. Set a rule, like any broker above an 80% loss ratio, and Bruin posts them every Monday, or emails a page to the pricing review attendees.
Does Bruin need access to our policy admin and claims systems?
No. Point it at a read replica or a nightly extract, and it loads incrementally, so nothing runs against the live policy or claims system.
How much does Bruin cost, and is it per seat?
Bruin Cloud is free to start: $100 in credits and 50 AI tasks, no credit card. After that, compute is billed per second (about $2.50 an hour for SQL, $10 on a standard instance) and AI tasks cost $1 to $3 each, depending on complexity. Committed-use discounts lower the rate as usage grows. No seats. VPC or on-prem: book a demo.
Where does our data live when we use Bruin?
In your warehouse. Bruin runs in Bruin Cloud, your own VPC on AWS, GCP or Azure, or on-premises, and you pick the region your tenant runs in, EU included.
Who can see policyholder details in Bruin?
Only the roles you set. Access is scoped per workspace, project and asset, with SSO and SCIM on enterprise plans. Tag personal fields once, and lineage shows every table and report they reach.
Does Bruin keep an audit trail we can show auditors?
Yes. Audit logs record every query, asset change, access and admin action, including the queries behind every AI answer. Changes to definitions and pipelines are commits in your own Git repo.
Does Bruin use policyholder data to train AI models?
No. Your data never trains any model, ours or a third party’s. The AI reads schema and metadata, runs SQL in your warehouse, and calls models only through enterprise endpoints with no-training agreements.
Is our policyholder data safe with Bruin?
Bruin is SOC 2 Type 2 attested and ISO/IEC 27001:2022 certified. Data is encrypted with AES-256 at rest and TLS 1.2 or newer in transit, and the SOC 2 report is available under NDA.
Find the broker driving losses before the quarter closes.
A demo walks through your own data.
$100 in credits and 50 AI tasks. No credit card.