Allianz cut claim processing and settlement time by 80% for small food spoilage claims in Australia with Project Nemo, its first integrated agentic AI system, which went live in July 2025 after being built in under 100 days. Claims under AUD 500 that used to take four days or more now take a day or even hours, Allianz said in November 2025.
"By design, payout decisions are never automated," said Maria Janssen, Chief Transformation Officer at Allianz Services.
Severe storms in Australia often cause power outages that leave households with spoiled food, a loss covered by standard home contents insurance. These claims are simple but arrive in large surges during natural catastrophes, when claims teams are focused on complex structural and business-interruption losses, so the small claims queued.
Nemo splits each claim across seven task-specific agents. A planner agent starts the workflow under the watch of a cyber agent responsible for data security; a coverage agent checks the policy covers food spoilage in severe weather; a weather agent confirms that a matching weather event occurred; a fraud agent looks for signs of fraud; a payout agent calculates the amount and reports to the planner; and an audit agent reviews the process and writes up a summary of all the agents' decisions for a human claims professional, who makes the payment decision. The automated part takes less than five minutes from submission to human review. The cyber agent's governance design was led by Allianz Australia's cyber security officer.
Allianz describes Nemo as a modular blueprint. It is exploring the same approach for other low-complexity, high-frequency claims such as travel delays, simple auto claims and property damage assessments, adapting agents across product lines, countries and regulatory regimes.
Details
- City
- Sydney
- Organization
- Allianz
- Continent
- Oceania
- Country
- Australia