Insurance native
Products begin with the realities of underwriting, actuarial, filing, and operational work.
Independent product studio
Products for
consequential work.
Independent in Michigan · Est. 2021
Focused software for insurance workflows, applied AI, and thoughtfully built digital products.
Explore our workSource → Structure → Review
01Source
Collect structured and unstructured evidence.
02Structure
Organize information into a reviewable system.
03Review
Keep judgment visible and accountable.
Evidence firstHuman review by design
01 — Our workFull portfolio
FlowRefer
AvailablePublic business research for workers’ compensation.
SerffSurf
Public betaWorkers’ compensation intelligence from public SERFF filings across 11 non-NCCI states.
RateFilingAI
In developmentSource-grounded extraction and analysis for insurance rate filings.
Shiple
Horizon LabsA daily fleet puzzle and live multiplayer game.
Organized evidenceHZN / 01
Market intelligence
Regulatory filings
HorizonWorking papersSource · Structure · Review
Complex information, made ready for accountable review.
Source grounded
Material outputs should lead back to records, documents, and visible evidence.
Human accountable
Software can improve the work without obscuring who remains responsible for the decision.
02 — Point of view
New technology should make consequential work clearer.
Important decisions deserve more than a plausible answer. They need context, sources, visible uncertainty, and a professional who remains accountable.
Horizon builds around that standard—combining insurance context, technical range, and careful product design without pretending software can replace expert judgment.
03 — Selective engagements
When the right product begins with a conversation.
Workflow diagnostic
Identify a bounded insurance workflow, its evidence requirements, and the right measure of value.
Prototype or pilot
Build a working, source-grounded tool before committing to a platform-scale investment.
Analytical advisory
Selective actuarial, underwriting, filing, and decision-support work informed by senior operating experience.
Focused work for teams with a real workflow, an accountable sponsor, and an appetite for honest measurement.
Discuss a problemHorizon Solutions
Built for clarity.
Designed for the long view.
Independent in Michigan since 2021. Informed by more than 15 years of insurance, actuarial, analytical, and operating experience.
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