One platform. A service catalogue from calibrated SaaS to full TPA. Engage at the level that aligns with your strategy.
Your biggest cost line runs on twenty-year-old workflows. You get a monthly spreadsheet back, not real-time data. ADJST runs the claim end-to-end on one live, auditable platform — and we'll run the operation for you, if you want that too.
We're pre-seed, and we're looking for the founding partners and investors to build it with us.
Claims is the last unreformed line on the P&L. Whether you handle it in-house or outsource it, the machinery underneath is the same generation — workflows designed before AI could read a document, reporting designed for a monthly cycle.
Carriers and MGAs run the largest cost centre they have on systems that can't tell them what is happening inside it while it still matters. The gap shows up in three places — and it shows up whether the claim is handled by your team or someone else's.
Not one TPA was built for the AI era, either. Every incumbent is a legacy shop retrofitting AI onto twenty-year-old workflows — none designed, from the ground up, for a world where AI runs the claim. That's why our fourth tier exists, and why we didn't start by building a better bordereau.
ADJST is an AI-native TPA that acts as an extension of the carrier's balance sheet, not a vendor you lose sight of. A team of AI specialists runs the claim, each one proposing, explaining, and always overridable. Behind them, always-on AI watches the whole book. Every action carries an authority limit, a model version and a full audit trail.
Auditable, explainable, human-supervised — engineered for the FCA Consumer Duty era from the first line of code, not retrofitted onto a legacy core. See the full team on the platform →
And above the AI, our people. AI has invalidated the traditional TPA processing model — the assembly line of handlers pushing paper through legacy systems — so we rebuilt claims handling around people instead of the queue. In an AI-native operation, expert claims professionals matter more, not less: the AI carries the volume and the admin; our experts do the judgment, the complex and disputed claims, and the human moments that decide whether a customer is treated well. Fewer, better people, on the best tools in the business, measured on fair customer outcomes rather than claims closed per hour.
The old choice was binary: buy software and run claims yourself, or outsource the lot and lose sight of it. We don't think that holds any more. ADJST is one platform with a service catalogue on top of it — so you decide how much of the claims operation we take on, with the freedom to change later.
The platform, with the models and AI playbooks tuned to your book. Your team handles the claims.
First release · H2 2026Everything in Calibrated SaaS, plus our specialists tuning the models to your book — for you.
FollowingOur specialists inside your operation on the complex work — and end-to-end capacity on tap for surge.
FollowingThe whole operation under delegated authority, with a real-time view of every claim.
Following DCA approvalTier 05 · TPA SaaS Platform — the whole multi-tenanted platform, available and managed for other TPAs to run their own business on.
FollowingWe've designed the product in detail — from the moment your customer reports a claim, to the handler running it, to leadership understanding where money is leaking — all on one platform, personalised and tuned for your book.
{{ item.desc }}
The gains come from the platform and the operating model — so they hold whatever your service delivery model.
ABI 2025 average claim · McKinsey/Accenture leakage benchmarks · ADJST analysis · illustrative, validated with design partners
On Calibrated SaaS these land inside your own operation. On our TPA tiers we deliver them for you — and stand behind them. The economics in full →
Software revenue starts at R1 — the SaaS core, first release H1 2027 — and the service tiers layer margin & revenue on a customer base already running the platform. Built by operators who have carried claims P&Ls and founded, scaled globally award winning claims management & BPM solutions.
Software used to help with the work. Now it does the work. That shift favours whoever starts today, and claims — the biggest unreformed line on the P&L — is exactly where it lands hardest. We think the UK, and motor, is where to prove it first.
MGAs and carriers who want to shape the roadmap and get first-mover advantage on AI-native claims. Enter at any tier — including the ones where you keep handling your own claims.
Become a design partner →