Allianz Australia launched Project Nemo in July 2025 — the insurer's first agentic AI solution, composed of seven specialized task-specific agents that together reduce food-spoilage claim processing time from several days to one day or less, an 80% reduction compared with the four-day pre-Nemo baseline.
"With 'Project Nemo' as our first integrated agentic AI solution, we're achieving an impressive 80% reduction in claim processing and settlement time. This does not only boost productivity in our claims departments but also significantly enhances insurance customer satisfaction," said Maria Janssen, Chief Transformation Officer at Allianz Services. Thomas Baach, Managing Director of Core Insurance Platforms at Allianz Technology, framed the customer impact: "From a customer's perspective, it's a simple claim. But it could take four days or more to process. Now we can improve the experience for all customers with project Nemo."
The system was designed for high-volume, low-complexity claims during natural catastrophes. When a storm causes a power outage, food spoilage claims under $AUD500 surge in volume and would otherwise divert claims teams from more complex cases. Project Nemo automates the routine steps — coverage check, weather verification, fraud screening and payout calculation — while keeping a human in the loop for the final payout decision.
The seven-agent workflow runs as follows: a planner agent starts the workflow, overseen by a cyber agent for data security; a coverage agent verifies the policy; a weather agent confirms the underlying weather event; a fraud agent checks for fraud signals; a payout agent determines the amount; and an audit agent reviews the process and passes it to a human for the final payment decision. The end-to-end run takes less than five minutes from claim filing to final human review.
Project Nemo went live in under 100 days — an unusually compressed timeline described by Janssen as "truly exceptional" and a "major achievement, both technically and organizationally." The cyber agent is internally nicknamed "Jane's agent" after Australia's Cyber Security Officer Jane, who was instrumental in overseeing the design and implementation of the governance process.
Operational scale covers Allianz Australia's NatCat-period claims surge, where the system absorbs thousands of simple claims and frees claims processors to focus on complex or emotionally sensitive cases. The modular architecture of Nemo's agents is now being explored for other low-complexity, high-frequency use cases such as travel delays, simple auto claims and property damage assessments, and the team frames it as a blueprint for broader AI adoption across Allianz.
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