Allianz leads the pack as insurers race to turn AI investment into real competitive advantage

In innovation, Allianz now leads the sector in research and patents, having climbed from fourth place in 2025. It has registered more than 900 AI use cases worldwide spanning underwriting, claims, fraud detection, and customer service. Its Nemo platform, launched last November, represents the most advanced example of agentic AI deployment found among the 30 insurers: a coordinated system of seven specialized agents that handles food spoilage claims from customer photo submission through to settlement, with specialized modules verifying storm data, checking policy coverage, assessing fraud risk, executing payment, and logging decisions for regulatory compliance.