# Projects

Production AI systems for insurance, public data, underwriting, and pricing.

## Eesti Data MCP Server

A live bridge between AI assistants and Estonian public data — weather, companies, parliament, electricity, transport, and more. No account or API key needed.

[Read more](https://kivilaid.ee/projects/mcp-servers)

## Insly AI: Underwriting Automation Pipeline

As Head of AI Strategy at Insly, Ando Kivilaid designed and deployed an intelligent document processing pipeline that extracts commercial policy data from unstructured PDFs with 99.4% validated accuracy. The system automates 90% of manual submission triage, cutting average review time from 45 minutes to 90 seconds and saving over €500,000 in annual processing costs across the platform.

[Read more](https://kivilaid.ee/projects/underwriting-automation)

## Insly AI: Dynamic Pricing Engine

Ando Kivilaid built Insly's dynamic pricing engine — a sub-100ms microservice layer that combines machine-learning loss predictions with classical actuarial rating grids. The system increased auto-binding rates from 22% to 68% while keeping loss ratios bounded, and let insurers deploy new risk-adjusted algorithms in days instead of months.

[Read more](https://kivilaid.ee/projects/pricing-engine)