293 models ranked for insurance and risk management. Scored with bonuses for reasoning (risk assessment), large context (policy documents), JSON mode (structured claims), vision (damage assessment), and function calling.
| # | Model | Score |
|---|---|---|
| 1 | GPT-5.4 ProOpenAI | 91 |
| 2 | GPT-5.2 ProOpenAI | 90 |
| 3 | GPT-5 ProOpenAI | 90 |
| 4 | o3 ProOpenAI | 82 |
| 5 | Claude Opus 4.1Anthropic | 81 |
| 6 | o1-proOpenAI | 77 |
| 7 | o3 Deep ResearchOpenAI | 74 |
| 8 | Claude Opus 4.6Anthropic | 71 |
| 9 | Claude Opus 4Anthropic | 76 |
| 10 | Claude Opus 4.5Anthropic | 70 |
| 11 | GPT-5.4OpenAI | 70 |
| 12 | Claude Sonnet 4.5Anthropic | 69 |
| 13 | Qwen3 VL 30B A3B ThinkingAlibaba | 69 |
| 14 | Qwen3 VL 235B A22B ThinkingAlibaba | 69 |
| 15 | GPT-5.2OpenAI | 68 |
| 16 | Gemini 3.1 Pro Preview Custom ToolsGoogle | 68 |
| 17 | Gemini 3.1 Pro PreviewGoogle | 68 |
| 18 | Gemini 3 Pro PreviewGoogle | 68 |
| 19 | Claude Sonnet 4.6Anthropic | 68 |
| 20 | GPT-5.1OpenAI | 67 |
| 21 | GPT-5.3-CodexOpenAI | 67 |
| 22 | GPT-5.2-CodexOpenAI | 67 |
| 23 | GPT-5OpenAI | 67 |
| 24 | Gemini 3 Flash PreviewGoogle | 66 |
| 25 | o4 Mini Deep ResearchOpenAI | 66 |
| 26 | GPT-5.1-Codex-MaxOpenAI | 66 |
| 27 | Gemini 3.1 Flash Lite PreviewGoogle | 66 |
| 28 | Gemini 2.5 ProGoogle | 66 |
| 29 | Gemini 2.5 Flash Lite Preview 09-2025Google | 65 |
| 30 | GPT-5 MiniOpenAI | 65 |
Automate claims intake, document extraction, and settlement calculations. Vision models assess damage from photos while JSON mode produces structured claim reports.
Evaluate risk profiles, analyze actuarial data, and price policies. Reasoning models weigh multiple risk factors and explain underwriting decisions.
Identify suspicious patterns in claims, flag inconsistencies, and cross-reference data. Large context processes full claim histories for pattern recognition.
Summarize policy documents, compare coverage options, and explain terms. Large context handles full policy contracts for comprehensive analysis.