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Raindrop is the AI-powered platform that transforms complex insurance documents
into structured, actionable data, empowering professionals across the industry
to work with confidence and speed.
Powered by our proprietary Insurance Ontology, our platform gives brokers, carriers, and technology partners the clarity they need to move faster, advise better, and build smarter.
From global insurers to specialist brokers and their networks, the insurance professionals who understand PDS complexity best have chosen Raindrop as their clarity platform.
Standardise
One Consistent View Across Every Policy You Work With.
Our Standardise feature, powered by the Insurance Ontology, automatically restructures every policy document - regardless of how it was originally written - into a consistent, clean, and instantly navigable format.
We call the individual units Droplets: small, structured blocks of policy information grouped by scope - coverage, exclusions, conditions, extensions, definitions, and claims.
Neptune AI
Neptune is different. Fundamentally different.
Neptune is Raindrop's AI assistant - and it operates under a strict and deliberate constraint: it only draws answers from the PDS documents you have uploaded to your personalised platform. No external data. No internet searches. No hallucinations. No speculation. No advice.
When a client asks "Am I covered for a cyber attack that starts with a phishing email?", Neptune does not guess. It finds the relevant clause in your previously uploaded policy, surfaces the exact wording, and presents it in plain English - with the source visible and verifiable.
You get the answer.
You get the reference.
You get the confidence.
Upload PDS
Bring Your Own PDS
Product Disclosure Statements are written by different insurers, in different styles, with different structures - and yet brokers are expected to compare them accurately and advise clients with confidence. That inconsistency costs time, creates errors, and introduces risk.
Raindrop eliminates it entirely.
Meet the Intelligence Behind the Clarity.
Most AI tools read your documents. Raindrop understands them.
At the heart of everything Raindrop does is our Insurance Ontology - a proprietary, structured knowledge graph built by insurance experts over years of deep domain research. Think of it as the brain of the platform: a comprehensive map of every insurance concept, clause type, coverage category, exclusion pattern, and definitional relationship that exists across the industry.
This is not a generic AI model trained on the open internet. The Insurance Ontology is Raindrop's intellectual property - a purpose-built intelligence layer that knows the difference between a sub-limit and an aggregate limit, understands how a cyber policy's definition of "computer system" changes the scope of cover, and can instantly recognise when two policies use different words to describe the same risk.
The result? An AI that does not guess. An AI that does not hallucinate. An AI that gives you answers you can stand behind.
Every answer Neptune gives is drawn exclusively from your uploaded PDS documents:
No external data, no speculation, no legal risk.
For Brokers
The Ontology maps your policy wordings, unlocking portfolio analysis, product innovation, and bespoke AI builds to enhance your offering.
For Insurance Carriers
License the Ontology via white-label API and add insurance wording expertise to your platform in a single integration.
For Tech Integration
Clarity Is a Competitive Advantage.
Start Yours Today.
Whether you are a broker reclaiming hours from policy documents, a carrier unlocking the intelligence in your wordings, a technology company adding insurance expertise to your platform - Raindrop is where your journey starts.
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