OCR software for insurance companies: 12 tools for submissions, policies, claims and certificates

OCR software for insurance companies reads the scans, faxes and PDFs that reach a carrier, MGA, TPA or broker. The better tools put each value in a named field and check it. They differ on three things. One is which insurance documents they list on their own websites. Another is whether they split a mixed packet into its documents. The third is whether the tool has a screen where a person checks the results, or your engineers must build one.

We compared 12 tools for the teams that receive these documents. Docsumo is our product. Every other vendor fact comes from the vendor's own website, checked on November 2, 2026. We didn't test the tools on our own files. For what OCR in insurance means and where it stops, see our guide.

What OCR software has to read at an insurer

An insurer doesn't receive one kind of document. Each desk gets its own paperwork and needs different fields from it. A tool that reads claim forms well may never have seen a statement of values (SOV), the spreadsheet that lists each insured building.

We go deeper on each desk elsewhere. See our guides to submission intake, policy checking and loss runs. This list covers the tools you could use across more than one desk.

Every tool here reads text. They differ on how many of the other steps come ready to use. Amazon Textract, Azure Document Intelligence and Google Document AI are cloud APIs, services your software connects to directly. Your engineers build most of the checks and the review screens.

One broker submission, page by page

Say a broker emails a 15-page PDF and a spreadsheet for Cedar Ridge Storage LLC, a self-storage company. It wants property and general liability cover from November 1, 2026. OCR alone returns 15 pages of text. Your team needs six documents, each with its own fields. This is what a tool that splits and checks packets should give you.

Five of the six documents pass their checks. The loss run's two claims match the two losses on the ACORD 125. The amounts for its four policy terms add up to $38,400. But the carrier's guideline asks for 5 policy years, and the run covers 4. That doesn't make the account a bad risk. The broker may simply not have sent the oldest year, so the next step is to ask.

On Docsumo, the split and the labels are on the Business plan. The checks against the application and the guideline are on the Enterprise plan. The Document Collection and Email agents can email the broker for the missing year. Your team reviews the fields that fail a check and any field Docsumo is unsure of. Run the same file through each tool you shortlist, because this is where they differ.

The 12 insurance OCR tools

Docsumo is our product, so it comes first, with a plain line on what it doesn't do. The others follow by kind. General document AI platforms come first, then insurance platforms, developer tools and cloud APIs.

• 99%99%field-level accuracy on 250+ document types
• 95%+95%+of documents are read and checked with no manual review. Docsumo marks these documents AI Approved. That mark is only about the document. It doesn't approve a claim or a policy
• 99%99%accuracy on insurance compliance documents at Arbor

Vertikal RMS uses Docsumo to verify certificates of insurance through ACORD capture, and Arbor uses it on insurance compliance documents.

We also looked at several tools we left off the list. UiPath IXP reads ACORD forms, policy declarations and broker submissions, and it suits teams already on UiPath. Its pricing page doesn't say how IXP is charged. Infrrd's classification page names ACORD forms, policy declarations, claim forms and proofs of loss, but that page gives no deployment or price details. Doxis AI.dp, the product on Klippa's site, names claim forms and ACORD forms on its insurance page, but not loss runs or certificates. Nanonets has a claims demo and a certificate page, but the pages we read don't name ACORD forms. Rossum's home page doesn't mention insurance, and its insurance page names claims and accounts receivable but no ACORD forms or loss runs. Heron and Cytora read commercial submissions, and our submission intake guide covers both.

OCR software for insurance compared

The table follows each vendor's own site, checked November 2, 2026. Documents are the insurance ones each vendor names on the pages we read.

How each tool splits a mixed packet

Two jobs sit under this step. Splitting finds where each document starts and ends. Classification labels each document by type, such as ACORD 125 or loss run. Vendors set these up in three ways, and the setup decides how much work each new document type creates.

The first way is a plain description. Docsumo lets you name the document types you want, with no training set, and AI Split takes a plain-English definition of each one. A new type works from the first document. Sensible and LlamaParse also work from descriptions you write, and Google's ready-made splitter and classifier need no training. Indico Data says it can sort new data types without many examples.

The second way is sample documents. Azure's custom classifier needs at least 5 samples per type. ABBYY asks for 100 to 1,000 documents per type when types are many or look alike. Hyperscience's classification model needs at least 10 pages per layout and recommends 120. Its insurance page says its ready-made ACORD models need no manual training. A layout is one design of a form or report. So ask what this means for loss runs, because they differ from one carrier to the next.

The third way is rules. Hyperscience sets its splitting rules per layout, by page count or a text pattern. Sensible can match text you set up on a document's first or last page. We'd expect rules to suit fixed forms such as ACORD applications better than loss runs.

Then ask what happens to a document when a tool can't tell its type. Documents Docsumo can't classify wait as Unclassified until a person picks the type, and a reviewer can move any document to another type. Every label has a confidence score, and each correction teaches the classifier. Docsumo reports 99% classification accuracy, which is a separate figure from its field-level accuracy. Azure suggests a score threshold or an "other" class, and your engineers would act on either one. For a wider comparison, see our list of 14 document classification tools.

What to run through a trial

Run the same files through each tool you shortlist. Then count the documents filed under the wrong type and the fields a person had to fix.

• A mixed broker PDFEach form should start and end on the right page, and each document should get the right label.
• Loss runs from three carriersEach carrier lays them out its own way. Check every claim row, and check that tables running across pages come back as one table.
• An SOV spreadsheetEvery location should come back as its own row, and the values should add up to the stated total.
• A faxed loss notice with handwritingSee which fields the tool reads and which ones it sends to a person.
• An issued policy with its binderChange a limit on purpose, and see whether your check catches it.
• A certificate that falls shortUse one with a limit below your contract's requirement, and see whether it gets flagged.
• A document that arrives lateEmail a missing estimate a few days after the claim opens, and see whether it reaches the right file.

Our take. Don't shortlist by the category name a vendor uses. These tools call themselves OCR, IDP, document AI or AI agents, and all of them start by reading your documents. So judge them by what comes back from your own packets, not by the name of the category.

If you run operations for a broker or a TPA

Brokers receive the carrier's side of the paperwork. Quotes, binders and issued policies come back for each account, and someone has to compare them. On the Enterprise plan, Docsumo compares a binder or quote with the issued policy. Our policy checking guide lists what to compare. Bevaya's Policy to Policy Comparison agent also compares expiring and renewal terms.

TPAs receive claim packets for the clients they serve. On the Business plan, Docsumo splits each packet and labels each document by the types you name. Docsumo isn't a claims system, so the claim itself stays in the system you run. It sends the data there through its API and webhooks, and your adjusters keep every decision.

Which desk's packets should you test first?

Start with the desk where documents wait longest, then shortlist by who will run the tool. For submissions, compare Docsumo, Indico Data and Bevaya. For software on your own servers, look at Hyperscience, ABBYY Vantage, Tungsten TotalAgility or Affinda. For a system your engineers build and run, look at Sensible, LlamaParse or a cloud API. Docsumo fits if you want packets split and read before the data reaches your current system. Your own team then reviews the fields that fail a check and any field Docsumo is unsure of.

Book a demo and bring one broker submission and one claim packet, with the personal details masked. You can also start a free trial, for 14 days and up to 1,000 pages, and run your own checks.

Frequently asked questions