Decisio is an AI copilot trained on actuarial reasoning — drafting reserving models, stress-testing assumptions, and generating regulatory-ready documentation for non-life actuaries.
Qualified Fellows (FCAS, FIA) command £200–600K packages. Their time is the most constrained resource in any P&C operation. Yet the majority of a reserve review cycle is consumed by tasks that require precision, but not judgment.
Decisio is not a dashboard you visit. It is a workflow-embedded copilot that lives inside your environment — Excel add-in, VS Code extension, or browser workbench — and provides intelligent assistance at every stage.
Connects to raw claims extracts. Automatically detects development periods, identifies data quality issues — thin cells, negative incrementals, IBNR vs paid splits — and assembles paid, incurred, and case reserve triangles with full provenance metadata.
| AY | 12m | 24m | 36m | 48m | 60m |
|---|---|---|---|---|---|
| 2019 | 4,218 | 7,841 | 10,220 | 11,890 | 12,441 |
| 2020 | 3,902 | 7,120 | 9,880 | 11,344 | ~12,018↑ |
| 2021 | 4,560 | 8,210 | 11,102 | ~12,614↑ | ~13,371↑ |
| 2022 | 4,891 | 9,044 | ~12,198↑ | ~13,880↑ | ~14,713↑ |
| 2023 | 5,220 | ~9,640↑ | ~12,996↑ | ~14,791↑ | ~15,682↑ |
Given a triangle and line-of-business context, Decisio drafts a complete reserving model: selects methods with written rationale, selects tail factors, benchmarks against industry development patterns, and writes the first-draft actuarial memo. You review and override — the system learns from every decision.
A formal stress scenario library — large loss emergence, social inflation shocks, settlement pattern shift, cat loss development — run across the full model in seconds. Produces waterfall charts, sensitivity tables, and narrative summaries identifying which assumptions are the principal drivers of reserve uncertainty.
Transforms the completed model into jurisdiction-specific output: Lloyd's SBF, UK PRA Section 57, NAIC Statement of Actuarial Opinion, Solvency II ORSA. Understands the structural requirements of each format. Actuaries edit the draft rather than write from scratch — a 2-day task becomes 90 minutes.
The buyer pool is deliberately small — credentialing takes 7–10 years and pass rates on later exams are in the single digits. But these professionals operate at the centre of reserving decisions that touch billions in capital.
Shivam built Decisio from a simple observation: the most credentialed technical professionals in the insurance industry spend the majority of their working hours on mechanical tasks that produce no insight. Triangles assembled by hand. Memos written from blank pages at midnight before sign-off deadlines. Stress scenarios re-scripted every quarter from memory.
His background spans actuarial modeling, machine learning, and the specific institutional knowledge of how the London Market actually operates — the informal networks, the regulatory cadence, the quiet trust that flows between Fellows at GIRO. Decisio is built to earn its place in that world through methodological rigour, not a sales pitch.
We are onboarding design partners from Lloyd's managing agents, UK non-life carriers, and actuarial consulting practices. Limited access. Fellows prioritised.