One API. Every model. Intelligent orchestration.
Building the models, tools, and operating system that power modern insurance. Meet Theo—one API, ten intelligent engines, automatic routing.
Building the orchestration models that power insurance.
The Open Insurance research lab
We research and ship AI models purpose-built for insurance—from intent classification and multi-model routing to claims orchestration and policy understanding. Every product we build runs on the same model layer, and Theo puts it all behind a single API.
Our research spans
Decades of insurance domain expertise distilled into purpose-built AI.
10
Intelligent Engines
powering Theo's orchestration API
<1ms
Fast-Path Routing
intent classification at the edge
3×
Failover Depth
multi-provider redundancy per engine
1
API Key
to access every model and capability
Our products
Our research, shipped.
Every product runs on the same orchestration layer—from the enterprise OS to free creative tools and the Theo API that powers them all.
Open Insurance AI · HiTheo
One API key. Ten engines.
Theo classifies intent, routes to the best engine, handles failover, and streams the response — all from a single SDK.
10
Engines
<1ms
Fast-Path
3×
Failover
Prompt
"Explain quantum computing simply"
Sub-200ms chat, classification, translation
Deep reasoning, structured planning, analysis
128K output, production-quality code generation
Photorealistic and artistic image generation
5–15s video clips from text or image
Multi-step web research with citations
Unfiltered humor and creative writing
const theo = new Theo({ apiKey: "..." });
const res = await theo.complete({
prompt: "your prompt here",
mode: "auto"
});
One model layer.
Every workflow.
It only takes one orchestration API to power the whole stack.
7
Theo engines
Fast, Think, Code, Image, Video, Research, Roast
<1ms
intent classification
regex fast-path before the model even fires
100%
transparent routing
every decision logged and auditable
Insurance needs its own models.
General-purpose LLMs hallucinate on policy language, miss regulatory nuance, and can't ground answers in real carrier data. Purpose-built orchestration solves this.
Multi-model is the only path.
No single model excels at everything. Theo routes each request to the right engine—lightweight for chat, deep reasoning for analysis, specialized for code and images.
One API changes everything.
When routing, failover, billing, memory, and audit live in one orchestration layer, teams ship faster—and every product benefits from the same model improvements.
Designed for builders.
Open to the industry.
Open models,
open research.
Connected,
not locked in.
Built for builders,
not gatekeepers.
Open Insurance is built on open research, open models, and open APIs— designed for developers and teams to build with AI without friction.
Explore our researchSee Theo in action
Watch Theo orchestrate a real workflow.
One prompt. Multiple models. Automatic routing.
Prompt
Careers
Since our inception, we've been committed to using our creativity and resources to shape a better future for all. That means creating positive impact—for our business, our people, and our community.
We are united by a strong set of values that drive us in all parts of our work. We put people first, we pursue excellence in all we do, we embrace a growth mindset, and we are dedicated to applying truth in action.
View open positions