A storm knocks out the power. By the time it comes back, everything in the fridge is ruined.
For an insurer, that's a food spoilage claim. Small, simple, and Allianz gets thousands of them.
At Allianz Australia, one of these could take four days or more to process.
SEVEN AGENTS
In July 2025, Allianz switched on Project Nemo. Seven AI agents, each with one job.
One plans the work. One guards the data. One checks the policy covers it. One confirms there really was a storm. One checks for fraud. One works out the payout.
The seventh audits what the other six did, writes it up and hands the case to a person.
From the moment a claim is filed to the moment it reaches that person takes under 5 minutes. Processing and settlement time is down 80%. Claims that took days now take a day, sometimes hours.
It only covers claims under A$500. Allianz built it in under 100 days.
ONE HUMAN
This is the line I keep coming back to.
"By design, payout decisions are never automated," says Maria Janssen, Chief Transformation Officer at Allianz Services. The ultimate responsibility, she says, always rests with a claims professional.
The agents do the legwork. A person says yes.
Allianz says it's exploring the same setup for travel delays, simple car claims and property damage.
MY OWN AGENTS
Since September, I've been running part of Docsumo's marketing with an AI agent. It researches, writes, builds pages and tests them.
Nothing goes live until I say yes. It also writes down every decision I make. Since September 22, that's more than 900 decisions.
Most days, my job looks like that seventh agent's handoff. Read the summary, check the risky part, say yes or no.
ONE ASK
Would you let an AI agent approve a $300 claim with no person checking?
Reply yes or no.
Rushabh
I'd still say no at $300, mostly because fraud misses never show up in a cycle-time number like that 80%. And after 900 approvals the yes gets fast, so I'd want the audit agent's handoff to open with whatever the other six disagreed on.
The detail I'd have led with is the one in the title. Six agents doing the checking and none of them allowed to approve the payout. Keeping it to claims under A$500 while a person still signs off feels like the sensible way to earn trust in something like this.