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Call4Ventures · 2026 cohort

Call for insurtech AI startups in claims, underwriting and fraud

We are looking for AI that improves claims handling, underwriting and control in insurance.

At a glance

Investment
Up to €75,000 investedIt can be cash only or cash and services.
Who it is for
We look for startups in validation or MVP and pre-scaling startups raising up to €1M.
Where
We invest in startups based in Europe and the United States.
Deadline
This call is part of the 2026 cohort. You can apply until 31 December 2026.
Response
We reply within seven working days. On average, two to three weeks pass from application to proposal.

Why we opened this call

The call covers claims intake and settlement, fraud detection, underwriting and pricing, distribution, portfolio control and compliance.

In insurance, many processes still run on documents, loss assessments and manual checks. AI can make claims faster and underwriting more accurate.

An insurer only adopts a product that works with the systems it already has. We are looking for startups that know how to fit into this world.

What we look for

  • →A product an insurer, a broker or a loss adjuster can pilot
  • →Integrations built for the insurance systems already in place

We also assess every application against our investment thesis.

Read the thesis criteria →

What the call covers

Claims

AI opens claims, reads the documents and speeds up settlement.

Fraud detection

AI flags suspicious claims before payment.

Underwriting and pricing

AI helps assess risk and set the price of policies.

Distribution

AI helps agents and brokers sell and advise clients.

Portfolio and compliance

AI monitors the portfolio and prepares the data for compliance checks.

What we bring

Our commitment can be cash only or cash and services. The services are the time of our product, engineering and go-to-market team.

The capabilities it takes to get an idea to market

Every founder who joins us has access to these six capabilities from day one. They are free. They are part of our investment.

Research

Our team includes AI researchers who publish papers and benchmarks. They help technical teams build proprietary technology that can compete. This raises the value of the company and strengthens AI know-how in the region.

Enterprise-grade product

We work with banks and insurers every day. We help you get your product ready for their compliance, security and data residency requirements. We also run AI sovereignty pipelines. With them your AI runs on open models and European cloud, and the data stays in Europe.

Strategy, finance and investor readiness

You work with our strategists, product owners and investor strategists. They help you sharpen your strategy and lower the risk of failure that comes with every new idea. We also work with you on finance and management control, so that the startup's numbers make sense. Finally, we build the equity strategy with you and prepare you to talk to investors.

Tests with large companies

We advise large companies. When the chance arises, we test our startups' technology with these enterprise clients.

Anthropic Ambassador

We are Anthropic Ambassadors and take part in the Claude for Organizations programme. All our venture builders are Claude-certified. Founders who work with us can get certified too.

Full-stack AI

We partner with the main AI vendors and have good agreements with them. Sometimes we supply the Claude, OpenAI and Grok subscriptions ourselves. Other times we help the startup develop its own open models and AI stack. Through our partners, such as Nebius, AWS and Google Cloud, startups can also buy compute.

The capabilities remain ours. What we build together belongs to your company. We become shareholders in it.

Selection process

  1. 1

    You apply

    You fill in the form, choose the call and attach your presentation.

  2. 2

    Screening

    Our team assesses the proposal. We also use our own proprietary software for the analysis. We reply within seven working days.

    See our software →
  3. 3

    We meet

    We meet the founders and talk through the business model, the numbers and the roadmap.

  4. 4

    Proposal and partnership

    We agree together how we will work and on what terms.

On average, two to three weeks pass from application to proposal. Even when the answer is no, we reply to everyone.

Frequently asked questions

Who should be able to use the product?

An insurer, a broker or a loss adjuster uses it. The product must integrate with the insurance systems already in place.

Does the call also cover distribution?

Yes. It also covers distribution, portfolio control and compliance.

Can I apply if I have no revenue yet?

Yes. Customers, users or pilots we can verify are enough.

Is this a grant?

No. We put in capital and join the cap table. We only gain if the venture grows.

Is the investment cash only?

Not always. The commitment can be cash only or cash and services. We agree on it together in the proposal.

Do you invest outside Italy?

Yes. We invest in startups based in Europe and the United States.

What is the deadline?

This call is part of the 2026 cohort. You can apply until 31 December 2026. We assess applications as they arrive.

Can I apply to more than one call?

Choose the call closest to your startup. If you work across two sectors, say so in the message.

Apply to this call

You need a presentation. It can be a PDF or HTML file or a DocSend or Drive link. We recommend adding your financial model and the founders' bios.

How to prepare your application →

No company yet? Is it just an idea for now?

Then apply to Call4Ideas. You bring the problem and we build the venture together.

Go to Call4Ideas