Find the money your
claims team already paid out.
ARBS Recovery Engine helps Canadian carriers and TPAs recover missed subrogation, overpayments, and salvage from closed claim files — with full audit trail and human review. No integration required. 15–20% only on actual recoveries.
Governed AI for regulated decisions.
Closed-File Recovery Assessment
Start with a free Closed-File Recovery Assessment on 50–200 of your closed claims. No cost. No commitment. We return a ranked recovery report in 14 business days.
Pilot intake
Tell us what you want to assess.
Choose the product path and we'll route your request to the right pilot conversation within two business days.
Two products. One governed-AI foundation.
ARBS builds governed AI for regulated decisions. Both products share the same audited, human-reviewed foundation.
Recovery Engine
Finds missed subrogation, overpayments, and salvage in closed claim files — evidence-backed, human-reviewed, no integration required.
Request a pilotARBS AI Vendor Passport
Turns an AI vendor's own evidence into a buyer-ready, human-reviewed assessment — framework-mapped, with gaps and contradictions surfaced — so regulated-buyer procurement stops stalling your deals.
Learn moreStartup programs
Products
Purpose-built for insurance.
Built for regulated insurance recovery and AI evidence generation.
Recovery Engine
Upload documents. Find missed money. Our AI reads every page, detects missed recoveries — subrogation, overpayments, coding errors — and delivers evidence-backed recommendations with governance built in.
ARBS AI Vendor Passport
ARBS AI Vendor Passport turns an AI vendor's own evidence into a buyer-ready, human-reviewed assessment — framework-mapped, with gaps and contradictions surfaced — that buyers in regulated industries can trust. It plugs into the trust and GRC workflows your buyers already use, accelerating deals instead of replacing your stack.
How it actually works
Recoveries fail at one of three gates.
Evidence on the liable party, collectibility, or the carrier's cost-benefit threshold. ARBS surfaces every flagged file scored on all three. Your reviewers see the source documents, not just a score.
Evidence
On the liable party. Without it, the file doesn't move.
Collectibility
Insurer of record · solvency · jurisdiction · time bar.
Cost-benefit threshold
The carrier's own line for what's worth pursuing.
Technology
From document to decision.
Under 60 seconds.
Document Intelligence
Reads any format — PDFs, photos, handwritten notes, scanned forms. Extracts structured data from the messy reality of insurance and healthcare paperwork.
Intelligent Routing
Every task is automatically matched to the best model for the job. Fast models for extraction. Powerful models for reasoning.
Governed Decisions
Every AI output includes a confidence score, an explanation, and a complete audit trail. High-risk decisions route to human review.
Deploy Anywhere
Cloud, on-premises, or fully air-gapped. Your data stays under your control. Built for the strictest security requirements.
Company
Built at the intersection of AI and regulated industries.
We don't wrap generic AI in an industry skin. We build purpose-specific intelligence — multi-layered AI reasoning with built-in adversarial review, under a governed framework where every decision is auditable, explainable, and reversible.
Governed AI, not autonomous AI
Every recommendation includes confidence scores and explanations. High-risk decisions always require human approval.
Your data stays yours
Deploy anywhere. We never train on your data without explicit consent. Your recovery data is your competitive advantage.
Focused on a governed recoveries wedge
We focus on a narrower, governed recoveries wedge that existing platforms don't solve well enough for our target buyer — subrogation, overpayments, and salvage, with per-decision audit trail built in.
Talk to us
Prefer email or LinkedIn?
If you'd rather skip the form, email us directly or reach the founder on LinkedIn. We respond to every inbound within 2 business days.
Returns you to the request form at the top of the page.