From Chatbots to Claims Agents: Inside an AI-First Insurance Startup

Описание: In this episode of the Web Talk Show, I sit down with Juan García, co-founder of Tuio, Spain's first AI-native insurance company.

Juan shares the story of how three co-founders from tech backgrounds launched an insurance company during COVID in 2021, targeting an underserved segment of customers aged 25-55 who expected a modern, digital-first experience but were stuck dealing with call centers and outdated processes.

We cover a lot of ground in this conversation:
How Tuio simplified the insurance buying process into a fully self-service online experience, pulling data from public sources so customers don't have to answer endless questions.
Why the younger customer segment (25-55) was unprofitable for traditional insurers, and how Tuio flipped that on its head. The role of AI across their entire business, from their text agent "Leia" on WhatsApp that handles 85% of customer inquiries, to their claims agent "Watson" that processes videos, photos, and contextual data to recommend next actions.
Why they made the deliberate choice to never automate claim rejections, keeping the human element where empathy matters most. How they achieve 3-4x the industry average profit margin while pricing 15-20% below competitors.

Juan also drops a great insight about entrepreneurship: you need courage to jump into solving problems nobody has solved before, but you also need to be a little naive. If you knew everything that was coming, you might never start.