Integrate and activate
The product layer
Product configuration, underwriting rules, coverage validation, compliance, payment rails and settlement. The single source of truth every agent reads from, sitting alongside the core you already run.
Agentic Process Outsourcing
Run the same book at a fraction of the cost.
Two decades of core replacements, cloud migrations and digital programmes. The average P&C expense ratio has not moved. Gangkhar's AI agents run policy administration, claims, renewals, billing and collections from an infrastructure layer that sits above your existing systems, leaving them in place. Carriers run the same book at a fraction of the cost. Platforms offer insurance without an insurance team.
The opportunity
The cost advantage in insurance is still unclaimed.
3Persistent operating constraints
Fragmented workflowsWork crosses systems, inboxes and teams
Manual execution and exception handling
Limitedend-to-end observability
Most insurers do not need another replacement programme. They need a governed operating layer that can execute across the systems already in place.
APO changes the unit of transformation: from replacing a core to improving a live workflow, with measurable controls and human oversight.
Insurers don't need another technology project.They need a modern insurance operating model.
How it works
One platform. Three layers of value.
Lens decides. Mesh acts. Every outcome sharpens the next decision.
Optimise
The AI optimisation engine
Machine learning segments the book and finds the price, the cover and the payment terms that suit each customer. Every outcome feeds the next decision, so the book sharpens while it runs.
Scale
The agent fleet, and the APO engine
Governed AI agents run enrolment, validation, issuance, servicing, FNOL, adjudication, reconciliation, collections and renewals. Every action is validated against your live product rules and logged in full.
Expand and grow
Join an ecosystem of insurers and digital platforms.
Gangkhar operates globally and keeps expanding. Insurers reach new distribution, digital platforms reach new products, and every new programme plugs into the network from day one. Where a partner is not connected yet, we connect them.
GlobalPresence across the Americas, Europe, the Middle East and Asia Pacific
10+Insurers and reinsurers connected
20+Programmes live on the platform
90%+Touchless on standard operations
Tangible benefits
Three returns from one programme.
Lower operating effort
Manual handling drops out of enrolment, issuance, reconciliation and renewal. Fewer touches per case mean fewer reissues, less rework and a cost base that can move with volume rather than headcount.
Faster time to value
Delivery starts with a bounded workflow and expands through governed phases. Cycle times shorten while people retain exceptions and judgement calls.
Better commercial outcomes
Faster service, stronger retention and better attachment can improve the value of the book. Targets and baselines are agreed for each programme before deployment.
Evidence
Programmes on the client's own core.
Latin America · Enterprise back office
A global carrier's A&H portfolio, run by an eight-agent workforce
Sherpa+ configured on the carrier's existing core, with Sherpa+Mesh agents covering enrolment, validation, coverage mapping, premium rating, reconciliation and broker notification.
Contracted service levels · Go-live scheduled for December 2026
Under 5 minContracted issuance target, against a 3 to 5 business day baseline
98%+Contracted auto-reconciliation target
Under 10 minContracted payment-to-policy target
99.9%+Contracted availability target
Asia Pacific · Embedded programme
Rider income protection built into a mobility platform
A digital mobility platform sells daily-pay income protection inside its own app and wallet, underwritten by a global carrier and placed by a global broker.
18,295Policies in the first five weeks
6 weeksKickoff to go-live on the technical build
Under 500msQuotation response, P95
Under 2sPolicy issuance, end to end
Measured programme volumes. Response times are Sherpa+ platform service levels.
Governance
Control stays with you.
- Every agent action logged, timestamped and auditable end to end
- Decisions read from your live product and underwriting rules, so a rate or wording change takes effect at once
- Human in the loop on defined thresholds, limits and exceptions
- Product, pricing, risk appetite and the customer relationship remain yours
“Their approach to carrier connectivity, data governance, and product configuration reflects a mature understanding of the insurance value chain, well in excess of what is typical for an early-stage company.”Head of Alliances, Digital and Direct Marketing
A global carrier, June 2026
SOC 2 Type IIGDPR-aligned controlsConfigurable data residencyFull audit trailDIFC LicensedWhere to start
Begin with an Operations Discovery.
Map your highest-value workflows for agentic execution, then scope a first programme with our team.Continue exploring APO Guide