Juan Garcia, Co-Founder of Tuio

InsurTechTalk Episode 147AI, Claims Automation, and the Future of Insurance | Juan (Tuio) on Building an AI-Native InsurerIn this episode of InsurTechTalk, we sit down with Juan, co-founder of Tuio, a fast-growing Spanish insurtech that is rethinking personal insurance using AI, automation, and behavioral data.Tuio launched in 2021 to serve a segment that traditional insurers struggle with: digitally native customers who expect self-service insurance, transparent pricing, and fast claims resolution. Instead of building another digital wrapper around legacy systems, Tuio designed a platform that uses AI agents to optimize the two biggest drivers of insurance profitability: marketing and claims.Juan explains how their AI system—nicknamed “Watson”—analyzes massive claims datasets, reviews videos and documents submitted by customers, and recommends the next best action for adjusters. Rather than replacing humans, the system creates a human-in-the-loop model where adjusters supervise AI decisions and focus on the most valuable part of the job: helping customers.We also discuss:• Why most AI projects in insurance focus on the wrong cost centers• How Tuio uses AI to improve underwriting, marketing efficiency, and claims handling• Why automation alone doesn’t improve profitability• How digital self-service generates richer underwriting data• The regulatory challenges of AI in insurance pricing• The opportunities for insurtech startups across Spain and Southern EuropeTuio currently serves 100,000+ customers, writes €15M in premiums, and is growing 10% month-over-month following a €15M Series A round led by MassMutual Ventures.If you want to understand how AI is moving from pilot projects to real P&L impact in insurance, this conversation is for you.Guest: Juan Garcia — Co-Founder, TuioHost: Gilad ShaiSubscribe for more conversations with founders, investors, and operators shaping the future of insurance, insurtech, and financial infrastructure.#Insurtech #AI #InsuranceInnovation #Startups #ClaimsAutomation #Fintech