Talem AI

Predictive analytics and biomechanical AI for auto injury claims -- from FNOL to settlement.

Claims Technology Startup Seed

Overview

Talem AI is a Canadian insurtech company that applies artificial intelligence and biomechanical science to auto injury claims. Its platform analyzes crash imagery, claimant data, and medical documentation to deliver objective, data-driven insights at the First Notice of Loss (FNOL) stage -- enabling insurers to triage claims faster, reserve more accurately, and detect potentially inflated billing and fraud early in the claim lifecycle.

The company blends more than 20 years of expertise in medical and biomechanical research with machine learning to produce a proprietary Biomechanical Review (BMR) that determines impact severity, likely injuries, expected recovery timelines, and appropriate treatment protocols. This scientific foundation differentiates Talem from pure data-analytics vendors by grounding its outputs in clinical and forensic methodology.

Talem serves auto insurers and claims management organizations across North America and is integrated into Guidewire ClaimCenter via the Guidewire Marketplace, making its capabilities accessible to the large installed base of Guidewire ClaimCenter users.

Products & Services

Claim Predictions

An AI-powered prediction engine that analyzes crash data and photos at FNOL to rank claims by expected severity and likely injury outcomes. The system uses a proprietary Delta-V model with computer vision to predict the change in velocity that occurred during an accident, enabling insurers to segment and assign claims with consistency.

Key Features

Predicted change in velocity (Delta-V) assessment using computer vision
Impact severity analysis and claim severity ranking
Probability predictions for occupant injuries (type and extent)
Expected recovery timelines for injury-based claim duration forecasting
Treatment cost predictions paired with injury severity insights
Automated severity triage to optimize claim assignment and reduce leakage

Target Users: Claims adjusters, FNOL teams, claim operations managers

Biomechanical Review (BMR)

An AI-driven biomechanical report that reviews bodily injury claims using crash imagery, medical records, and billing data to provide objective injury causation analysis. Delivered as a structured report accessible directly within ClaimCenter, with photo-based analysis delivering results in seconds.

Key Features

Impact severity analysis using forensic reconstruction methods
Injury causation assessment linking crash forces to reported injuries
Recovery estimate and suitable treatment protocol recommendations
Identification of potentially inflated billing and unlikely injury patterns
Rapid automated processing -- photo-to-results in seconds

Target Users: Bodily injury adjusters, SIU teams, medical management units

Medical Management and Referral Network

A complementary service offering a national referral network for medical management and treatment coordination to support the claims process.

Target Users: Claims adjusters, medical management teams

At a Glance

Founded: 2017
Headquarters: Halifax, Nova Scotia, Canada
Employees: 1-10
Funding: Seed

Category & Focus

Category: Claims Technology
Subcategories: Claims Intelligence Predictive Analytics Fraud Detection FNOL Automation
Insurance Verticals: P&C Personal
Target Customers: Carriers, TPAs

Customers

Snapsheet (February 2024 partnership to deliver predictive insights across FNOL, adjudication, and settlement)
Guidewire ClaimCenter users via Guidewire Marketplace (validated accelerator)