About
Ando Kivilaid — AI systems builder
Ando Kivilaid is an AI systems builder based in Tallinn, Estonia, with twenty-five years of experience founding and scaling technology companies across insurance, warranty, and hospitality. He co-founded Insly in 2013 — now Northern Europe's largest insurance software platform, processing over €1 billion in gross premiums through more than 4,000 brokers — and earlier built IIZI Insurance into the Baltics' largest broker with 31% market share in Estonia. Since 2023 he has led Insly's AI transformation as Head of AI Strategy & Implementation, shipping production systems for underwriting automation (99.4% extraction accuracy), dynamic pricing (sub-100ms API), and intelligent document pipelines that save €500k+ annually. He also builds open tooling such as the Eesti Data MCP Server (v0.3.0, 77 tools), connecting AI assistants to Estonian public data. Ando works with teams that want production AI — from strategy through deployment — not slide decks.
This page expands the homepage biography with verifiable career milestones, editorial standards, and links to case studies with measured production outcomes. Ando co-founded Insly (2013), IIZI Insurance, and Warranty Insurance; led Insly's AI transformation as Head of AI Strategy & Implementation (2023–2025); and ships open tooling such as the Eesti Data MCP Server. Contact: ando@kivilaid.ee.
Last updated: July 10, 2026
Editorial standards
Case study metrics on this site cite sample sizes, measurement periods, and methodology notes in each table. Figures reflect specific client contexts at Insly and related platforms — they are not guarantees for other engagements. Original analysis and commentary are published under CC BY 4.0 unless noted. Aggregated news and curated YouTube videos are third-party content with attribution.
About
Builder, not advisor.
Ando Kivilaid is an AI systems builder based in Tallinn, Estonia, with twenty-five years of experience founding and scaling technology companies across insurance, warranty, and hospitality. He co-founded Insly in 2013 — now Northern Europe's largest insurance software platform, processing over €1 billion in gross premiums through more than 4,000 brokers — and earlier built IIZI Insurance into the Baltics' largest broker with 31% market share in Estonia. Since 2023 he has led Insly's AI transformation as Head of AI Strategy & Implementation, shipping production systems for underwriting automation (99.4% extraction accuracy), dynamic pricing (sub-100ms API), and intelligent document pipelines that save €500k+ annually. He also builds open tooling such as the Eesti Data MCP Server (v0.3.0, 77 tools), connecting AI assistants to Estonian public data. Ando works with teams that want production AI — from strategy through deployment — not slide decks.
I've spent 25 years building companies — from the largest insurance broker in the Baltics to a Michelin-starred restaurant. I co-founded Insly, now processing over €1B in premiums across Europe.
Three years ago, I went all-in on AI. Since then, I've built production AI systems for insurance underwriting (99.4% extraction accuracy, €500k+ saved per year), intelligent form automation, conversational agents, and AI-powered pricing engines.
I make teams 10x more effective with AI.
Track Record
What I've built.
Insly
Co-founded the insurance technology platform that became Northern Europe's largest. €1B+ in gross premiums. 4,000+ brokers.
Insly — AI
Led the AI transformation at Insly. Built underwriting automation, AI-powered pricing engines, and intelligent form systems across the platform.
IIZI Insurance
Co-founded what became the largest insurance broker in the Baltics. 31% market share in Estonia. One of the first digital insurance brokers in the world.
Warranty Insurance
Built from scratch into the largest warranty insurance MGA in Estonia and the Baltic region. Second-largest insurance intermediary in Estonia.
180° by Matthias Diether
Co-founded a fine dining restaurant. It earned a Michelin star — now two. Because building isn't limited to software.