Clearcover, an AI-native auto insurance carrier, today announces the launch of Dearborn Labs, a forward-deployed AI practice that builds and operates AI systems inside property and casualty insurance carriers and MGAs.
“Most carriers have already invested in AI. The problem isn’t the tools,” said Dearborn Labs Founder Kyle Nakatsuji. “It’s that the landscape changes faster than any single solution can keep up with, and nobody’s connecting the data and context across operations to make those tools compound. That’s not a software problem. It’s an operating problem.”
Unlike traditional SaaS, Dearborn Labs adds an operational layer to customize AI within a company’s unique model, driving measurable business outcomes.
“We don’t hand over a strategy deck. We deploy into your operation and ship production systems in weeks,” said Nakatsuji, adding that modern insurers need to turn isolated AI capabilities into a growth engine. “Your claims data should make your underwriting smarter. Your underwriting context should shape your distribution. We build the infrastructure that makes that happen.”
While the insurance industry has invested heavily in AI, most carriers and MGAs have not yet seen system-level returns.
Nakatsuji’s team at Clearcover integrated AI into nearly every core function of daily production across multiple states and significantly improved results: Over 90% of claims intake runs through AI agents, 93% of policies are bound digitally and claims handling operates at three times the efficiency of traditional carriers. Dearborn Labs brings the same operational infrastructure and playbook to insurers navigating similar modernization challenges, including pressure to reduce loss ratios, improve underwriting precision, and control expense growth in an increasingly competitive market.
By embedding teams alongside underwriting, claims, and operations leaders, Dearborn Labs focuses on building systems that function in live production environments.
