Five Sigma is an AI-native claims platform built around Clive, a multi-agent AI that can also run on top of another claims system. ClaimsGateway (claimsgateway.com) is a configurable claims platform whose workflows the business changes without developers, hosted in Sydney. Choose Five Sigma when AI adjuster work is the point, and ClaimsGateway when business-owned process control is.
Key takeaways
- Five Sigma's core is AI: Clive works across the claims lifecycle, inside Five Sigma's platform or on top of another one.
- According to Coverager, Australian TPA Quartz Claims chose Five Sigma in May 2026 as the core of its claims operation.
- ClaimsGateway's core is configurable workflow: its workflows are configured without developers, with changes owned by the business.
- According to Five Sigma, its customers see a 33% increase in adjuster productivity, a figure from its own site.
- ClaimsGateway publishes volume-based pricing and Five Sigma does not, so a fair comparison needs quotes for the same claims scope.
What is the short answer?
Choose Five Sigma when the main goal is to automate adjuster work with AI, or to add AI on top of a claims system you already run. Choose ClaimsGateway when the main goal is a consistent, configurable claims process across lines and segments, owned by the business and hosted in Australia. The two are built around different ideas.
That difference is the whole comparison. Five Sigma starts from the AI agent and builds the claims system around it. ClaimsGateway, by contrast, starts from the workflow and the data, and lets the business define how each claim moves. So the right choice depends on where a team's claims problem sits.
Where is Five Sigma the better choice?
Five Sigma is the better choice for a team that wants AI at the centre of claims handling. Clive, which Five Sigma calls "the Insurance Industry's First Multi-Agent AI Claims Expert", works across the claims lifecycle. It can run on top of an existing claims system, so a team can adopt AI without replacing its platform first.
Its breadth is real. Five Sigma's site lists more than a dozen lines, from home and auto to cyber, marine and workers' compensation. It sells to insurers, MGAs, TPAs, self-insured organisations, reinsurers and mutuals. According to Five Sigma, its customers see a 33% increase in adjuster productivity and a seven month time to return on investment. Those are its own figures, read in October 2026.
It also has an Australian reference. According to Coverager, Quartz Claims, an Australian TPA serving insurers and MGAs across Australia and New Zealand, selected Five Sigma's platform and Clive in May 2026. Quartz will initially run all its general insurance claims on it.
What its users say is limited. No G2 or Gartner Peer Insights page could be read for this article, and aggregator sites report ratings that disagree. Those aggregators surface praise for its AI automation and its ability to sit on top of an existing system, and concerns about integration effort and unpublished pricing. These are observations, not counted themes.
Where is ClaimsGateway the better choice?
ClaimsGateway is the better choice for a team that wants its own people to define and change the claims process. Its workflows are configured without developers, with changes owned by the business. It covers the claim from first notice of loss to close, with payments, fraud detection and AML sanctions checks built in, and it is hosted in Sydney.
Configurability matters most when processes change often. An agency adding a scheme, a TPA taking on a new client or an insurer changing a referral rule needs the change made quickly. When the business can make it, the claims team is not waiting in a vendor's queue.
Local hosting is the other difference. ClaimsGateway is hosted on Microsoft Azure in the Australia East region, and its operating entity holds an ISO/IEC 27001 certified information security management system. Five Sigma's homepage did not state a hosting region or a certification in October 2026. The ClaimsGateway insurers page describes the approach for insurer claims teams.
ClaimsGateway also serves segments by name that matter in Australia: underwriting agencies, brokers, TPAs and self-insured organisations, as well as insurers. However, teams shopping for an autonomous AI adjuster as the centre of the product will find Five Sigma the closer fit.
How do they compare side by side?
Side by side, the two differ most in core approach and in what each publishes about hosting and security. Five Sigma leads on AI depth and line coverage. ClaimsGateway leads on business-owned configuration and stated Australian hosting. Only ClaimsGateway publishes a starting price.
- Core approach. ClaimsGateway: Configurable claims workflow platform; Five Sigma: AI-native claims platform, with Clive built in.
- Claims scope. ClaimsGateway: The whole product; Five Sigma: The whole product; Clive also runs on other claims systems.
- Who changes workflows. ClaimsGateway: The business, without developers; Five Sigma: Not stated on the homepage.
- Segments served. ClaimsGateway: Insurers, underwriting agencies, brokers, TPAs, self-insured; Five Sigma: Insurers, MGAs, TPAs, self-insured, reinsurers, mutuals.
- Australian and New Zealand presence. ClaimsGateway: Hosted in Sydney; Five Sigma: Quartz Claims, an Australian TPA, as a named customer.
- Hosting. ClaimsGateway: Microsoft Azure, Australia East (Sydney); Five Sigma: Not stated on the homepage.
- Security certification. ClaimsGateway: ISO/IEC 27001; Five Sigma: Not stated on the homepage.
- Pricing model. ClaimsGateway: Volume-based; from AUD 5,500 a year ex GST (October 2026); Five Sigma: Not published.
All facts were checked on each vendor's site in October 2026.
Who does each one suit?
Five Sigma suits insurers, MGAs and TPAs that want AI to take on adjuster work, and teams that want AI on top of a claims system they plan to keep. ClaimsGateway suits insurers, agencies, brokers, TPAs and self-insured organisations that want one configurable claims platform, changed by their own people and hosted in Australia.
Some teams will want both ideas. In that case the deciding question is order: whether to fix the process first and add AI to it, or start with the AI and shape the process around it. The Five Sigma alternatives list sets out the wider field for teams still deciding.
Frequently asked questions
What is the difference between Five Sigma and ClaimsGateway?
Five Sigma is an AI-native claims platform built around Clive, a multi-agent AI that can also work on top of other claims systems. ClaimsGateway is a configurable claims platform whose workflows the business changes without developers, hosted on Microsoft Azure in Sydney. One starts from AI, the other from configurable process.
Does ClaimsGateway have an AI adjuster?
ClaimsGateway is not built around an autonomous AI adjuster. Its core is a configurable claims workflow, with payments, fraud detection and AML sanctions checks built in. Teams whose priority is an AI agent doing adjuster work should look at AI-native platforms such as Five Sigma, and ask each vendor which decisions stay with people.
Which has Australian customers?
Five Sigma's named Australian customer is Quartz Claims, an Australian TPA that selected its platform in May 2026. ClaimsGateway's site names customers including Peninsula Mutual and Aramex. Buyers should ask each vendor for references from Australian organisations of a similar size and segment.
Which is ISO 27001 certified?
ClaimsGateway's operating entity, Risk Management Gateway Pty Ltd, maintains an ISO/IEC 27001 certified information security management system. Five Sigma's homepage did not state a security certification in October 2026, though it links to security and compliance reports. Buyers should ask each vendor for its certification, its scope and its current audit reports.
Which is easier to configure?
ClaimsGateway states that its workflows are configured without developers, with changes owned by the business. Five Sigma's homepage does not describe who configures workflows, though it says Clive works within a customer's procedures, guardrails and thresholds. The fair test is to ask each vendor to change a real workflow during a demonstration.
About the author
ClaimsGateway builds cloud claims management software for insurers, underwriting agencies, brokers, TPAs and self-insured organisations in Australia and New Zealand. Every regulator figure in this article links to its source, and every vendor fact was checked on the vendor's own site on the date shown.
Related reading
- Claims software for insurers: the wider list for Australian insurer claims teams.
- AI claims management software: platforms compared on what their AI does.
- ClaimsGateway vs Wilbur: the same comparison against an Australian-built platform.
Sources
- Coverager. "Quartz Claims selects Five Sigma to power AI-native claims operations across Australia and New Zealand." 6 May 2026. https://coverager.com/quartz-claims-selects-five-sigma-to-power-ai-native-claims-operations-across-australia-and-new-zealand/
- Five Sigma. Home page, checked 21 October 2026. https://fivesigma.ai
- Review aggregators for Five Sigma, read through search results, 21 October 2026: rfp.wiki and ToolRadar. G2, Gartner Peer Insights and Capterra pages were not read; Reddit was not collected.
- ClaimsGateway. Website and security page, checked 21 October 2026. https://www.claimsgateway.com/platform/security-compliance
