Kennedys IQ SmartRisk

AI-driven, expert-led

Why choose Kennedys IQ SmartRisk?

Kennedys IQ SmartRisk helps automate complex policy and claim reviews, ensuring consistency, accuracy and compliance throughout the entire decision-making process. Kennedys IQ enables underwriters, brokers, and claims professionals in Lloyd’s, MGAs, and large insurance firms across the UK, Europe, US, LATAM, and APAC regions to to dramatically reduce their exposure to risk and operational inefficiencies.

Kennedys IQ SmartRisk is the first-of-its-kind neuro-symbolic AI solution specifically developed for the insurance industry. Designed in collaboration with underwriters, brokers, claims professionals, and legal experts, Kennedys IQ SmartRisk transforms the way insurers handle policy reviews, claims analysis, governance, and risk management.

By combining generative AI with structured expert-led decision models, Kennedys IQ SmartRisk delivers auditable, trustworthy results—reducing manual effort, eliminating human error, and empowering insurance professionals to focus on high-value tasks.

Better decisions rely on precise and explainable insights.

What does Kennedys IQ SmartRisk do?

Kennedys IQ SmartRisk is a comprehensive risk analysis platform that combines advanced AI with expert insurance knowledge. Kennedys IQ SmartRisk is designed for any line of business and any jurisdiction.

Automate and enhance risk assessments

Kennedys IQ SmartRisk automatically identifies potential coverage risks, inconsistencies, and exclusions within policies—dramatically cutting down manual review time from hours to minutes. Decisions remain transparent and explainable, eliminating “black-box” AI issues helping you manage underwriting files.

For claims professionals, Kennedys IQ SmartRisk combines underwriting files with claim files and enables coverage risk analysis and liability assessments.

Extract critical data – even from handwritten notes

Effortlessly extract and summarise crucial information from complex, unstructured documents—including handwritten notes, expert statements, medical records, and lengthy policy documentation. This ensures claims professionals and underwriters have instant access to high-quality insights to support critical decisions

Improve governance and compliance

Kennedys IQ SmartRisk incorporates each insurer’s individual risk appetite, governance policies and claims philosophy into structured AI-driven decision-making. Generate bespoke disclaimers, reservation-of-rights letters, and acknowledgment documents—accurately reflecting each client’s unique approach.

Reduce human error and inconsistency

By applying a hybrid neuro-symbolic AI approach, SmartRisk minimises variability in professional judgment, significantly improving the consistency and reliability of risk analysis across teams. Data is aggregated to help claims and operational managers by providing real-time insight into their portfolios.

How does Kennedys IQ SmartRisk work?

Kennedys IQ SmartRisk leverages neuro-symbolic AI, combining Evidential Reasoning, Belief Rule Base (BRB) frameworks, and machine learning with human expertise to ensure accuracy, transparency, and control from hallucination and bias.

Once documents are uploaded to the Kennedys IQ Platform, SmartRisk analyses the data, identifies key risk factors, and provides structured, auditable recommendations within minutes. All outputs can be seamlessly integrated into your existing workflow and claims systems, with robust data security and full compliance with global data regulations. For those requiring integration into internal systems, we also offer bespoke solutions tailored specifically to your workflows.

Kennedys IQ SmartRisk was developed in collaboration with leading universities, such as the University of Manchester and UCL, insurance experts, and legal expertise from Kennedys Law LLP.

	SmartRisk is built for the industry, by the industry. This is not just AI for the sake of AI—it’s about giving insurers real, explainable insights that reduce risk and improve efficiency.
	Karim Derrick, Chief Product Officer, Kennedys IQ