Building trustworthy AI for insurance: Cluda joins Insurtech UK

Why trust matters in production AI

AI is now part of everyday work across commercial insurance. Policy reviews, wording comparisons, renewals and compliance checks are being rethought across the market. The opportunity is real: reduce manual work, improve consistency, and free up experienced people to focus on client outcomes.

But in regulated workflows, usefulness is not enough.

For AI to be deployed confidently in a brokerage environment, it needs to meet a higher standard. Outputs must be explainable, decisions must be traceable, and controls must be built in from the start. When the stakes include client coverage, regulatory obligations and professional risk, trust is not a nice-to-have. It is a requirement.

That is the lens we bring to this partnership.

What we do at Cluda

Cluda is built for commercial insurance brokers. We help teams reduce friction in the tasks that slow down renewals and increase exposure, including policy reviews, wording comparisons and renewals.

Our goal is simple: help brokers move faster without compromising governance.

Cluda produces client-ready outputs designed for brokerage workflows, including:
• Side by side comparisons
• Coverage gap analysis
• Renewal reports
• Clause referenced evidence to support conclusions

The last point is the one that matters most in practice. Brokers do not just need an answer. They need to know why the answer is correct, where it came from, and how to defend it if challenged.

That is why we build around traceability. When Cluda highlights a change or a gap, it points back to the relevant clause, so teams can review, validate, and share findings with confidence.

Building for governance, not just speed

Insurance is a trust business, and technology adoption follows the same rule. The market will only adopt AI at scale when it can be governed.

At Cluda, we treat privacy and security as engineering problems, not marketing statements. Our approach is shaped by a simple idea: compliance is a baseline, but trust is earned through system design.

This includes design choices such as:
• Clear access controls and auditability for AI interactions
• Sensitive data handling built into workflows, including redaction and tokenisation where appropriate
• Encryption in transit and at rest
• Strong separation between customers in a multi-tenant environment

We also draw hard boundaries around data use. Customer documents and chat history are not used for model training.

These are the fundamentals that make AI usable in real operations. They help teams adopt AI without creating new risk, and they support the kind of oversight brokers and insurers rightly expect.

Why Insurtech UK

We joined Insurtech UK because we see the same challenge and the same opportunity.

The opportunity is to modernise insurance operations with technology that genuinely improves outcomes. The challenge is to do it in a way that the market can trust.

Insurtech UK’s emphasis on progress through technology, combined with the reality of governance in this industry, makes the partnership a strong fit. We want to contribute to a community that takes adoption seriously, not just innovation in isolation.

What this means for brokers and partners

If you are a broker or a partner in the UK market, this partnership is a signal of what we are focused on next.

You can expect Cluda to continue building broker-first AI that supports:
• Faster turnaround on renewals and mid term changes
• Reduced E&O exposure through more consistent review quality
• Stronger compliance confidence through traceable, defensible outputs
• More time for advisory work, because your best people should not be stuck doing repetitive document work

As our CEO, Mick Mcgurn, puts it:
“AI in insurance has to stand up to scrutiny. That means evidence, auditability, and governance built in from day one. That is the standard we are working to.”

Next steps

We are looking forward to contributing to the Insurtech UK community, learning from other members, and sharing what we are building.

If you are exploring how AI can reduce renewal friction without compromising governance, we would love to show you what Cluda can do.