How Emirates Insurance Uses Snowflake AI to Cut Claims Time 30-40%

Emirates Insurance has served the UAE market for more than four decades, building its reputation on precise underwriting and strong broker relationships. As the insurer set a goal to double revenue while maintaining profitability, its leadership recognized that human expertise alone could no longer scale efficiently. Manual data pipelines, siloed systems, and limited visibility into broker and customer behavior were slowing down every team.

Before adopting Snowflake, the data infrastructure at Emirates Insurance relied on legacy on-premises systems that required significant manual effort just to produce basic insights. Analysts had to build APIs by hand to connect core systems, reconciliation took days, and the lack of trust in data freshness forced business teams into inefficient workarounds. There was no enterprise-wide view of how brokers or customers were interacting with the company’s policies.

Working with Snowflake partner In516ht, Emirates Insurance rebuilt its data foundation on Snowflake’s AI Data Cloud, running on Azure within UAE-hosted servers to meet strict data sovereignty requirements. The platform integrates with Qlik for analytics, dbt for transformations, and Dagster for orchestration. AI-powered optical character recognition now handles police incident reports, identity verification, and vehicle license plate reading—tasks that previously required days of back-and-forth between teams.

The results were immediate and measurable. Over a three-month window, the automation layer eliminated 380 hours of manual work. Motor claims registration accelerated by 30–40%, enabling the company to meet service level agreements faster and improve its responsiveness to customers and brokers. Underwriters gained unified portfolio visibility to assess localized risk from weather events—enabling better pricing and reduced exposure.

EmiratesInsurance is now building on this foundation with an internal chatbot that helps underwriters query policy details in natural language, and an automated quote intake tool designed to deliver broker quotes instantly. The insurer views Snowflake not just as a data platform but as the engine for a broader AI-driven transformation that will define its next decade of growth.