Deterministic estimates
No LLMs or generative AI create, modify, or select a single line of an estimate. A deterministic system, configured to each carrier’s guidelines, selects every line item.
Responsible design
Innovation is our engine. Integrity is our guardrail.
Our position
That’s not a marketing position. It’s how Lumasite is built.
Trust is the foundation of insurance, and we designed for it from the first prototype. Every safeguard is part of the system, not a policy added later. The AI stays in its lane: perceiving, measuring, documenting, and drafting. Personal information is stripped before a claim is processed. Every line of the estimate traces back to the photo it came from. And people keep what should stay with people: the judgment, the coverage decisions, and the accountability.
Fuel the humans
Our AI empowers adjusters. It does not replace them.
Adjusters do one of insurance’s hardest jobs: stay precise with the numbers and human with a family in their worst week.
Lumasite takes measuring, labeling, and line-item selection off their plate, so their skill goes where AI can’t: the hard call, the tough conversation, the person waiting.
That’s fueling the humans, not replacing them.
Responsible AI
AI built to be trusted by adjusters, carriers and regulators.
Lumasite is not a chatbot
It’s computer vision & AI built for one job: turning interior photos into a finished damage estimate.
Every estimate is reviewed by an adjuster
AI is not a stand-in for human judgment. An experienced adjuster reviews and approves every estimate before it leaves our system.
Lumasite makes no coverage decisions
Those stay with people, who can weigh what’s fair and answer for the call.
Lumasite shows its work
Every line item traces back to the photo it came from, so an estimate can be checked from photo to dollar. Glass box, not black box.
Responsible AI & security
Our models run on private, independent, secure infrastructure.
We do not use chatbots or any generative AI platforms like ChatGPT or Claude to process claims.
Human review
A human reviews every output before it leaves our system.
SOC 2 Type II compliant
Independently audited security controls, reviewed on an ongoing basis.
Privacy by design
Privacy is built in, not bolted on.
We designed for AI and privacy regulation from the start, so the controls regulators expect are built in by default, not bolted on later as a compliance problem.
PII Removed
We strip all personally identified information before processing begins.
Governed by your contract
Data is processed only for the purposes you’ve agreed to.
De-identified data for training
Our algorithms learn based on de-identified data only.
Bring your compliance team.
We’ll walk through the architecture, the audit trail and the compliance posture in detail.