Build, Buy, or Partner?

Assessment Tool

A 5-minute self-assessment for AI initiatives in regulated workflows.

~5 minutes · honest answers only · no sign-in

Building got cheap. Getting it right didn’t.

In the AI era you can build almost anything, but speed doesn’t guarantee you’re building the right thing, the right way. Use this check to pressure-test where one initiative really stands before you commit to build, buy, or partner.

How to use this

Pick one initiative and answer honestly

1

Pick one initiative you’re weighing: a claims step, an underwriting workflow, a servicing capability.

2

For each question, drag the slider to where you honestly land. Left leans Build, right leans Buy, the middle is Blend / Partner.

3

At the end, see what your pattern suggests and find the better questions to ask next.

The 10 questions

Where do you land?

Read each row like a slider. The further left you sit, the more it points to Build; the further right, the more it points to Buy. Land in the middle and you’re in Blend / Partner territory, where most regulated AI initiatives end up.

1. Business importance
This could set us apartThis is standard / expected
2. How unique is this for us?
It’s shaped by how we work and our dataIt’s mostly the same as everyone else
3. How much tailoring do we need?
We need it to fit our way of working“Out of the box” is fine
4. How clear is the process today?
We can explain the steps clearlyThe steps are still unclear / changing
5. Readiness of data & operations
Data is reliable and the process is stableData is messy and the process varies a lot
6. Team capacity
We have time and skills to buildWe’re stretched—we need help to deliver
7. Time & budget pressure
We can take the time to build it rightWe need results fast and cost-effective
8. Risk, security & compliance needs
It must match our internal requirements closelyVendor standards are enough
9. Ownership & priority
Clear owner and top priorityNo clear owner / not urgent
10. How long will this matter?
Long-term capability we’ll keep improvingShort-term need that will likely change

Notice the shape of your answers.

Just a few honest ticks in the green middle like fuzzy workflows, limited capacity, high stakes, security that has to be right from day one; and you’re already in partner territory.

What your answers are telling you

Patterns, not verdicts

Read the direction your ticks lean. Your live read above highlights the closest pattern.

Mostly left

Leaning Build

A core differentiator built on your own data, control, and clarity.

Watch out for: protecting focus; baking in security and validating you built the right thing.
Clustered in the middle · most teams

Blend / Partner

Fuzzy workflows, limited capacity, high stakes, security that has to be right from day one.

Watch out for: defining success, integration, and shared accountability up front.
Mostly right

Leaning Buy

Commodity, standard workflows where standard vendor compliance suffices.

Watch out for: losing flexibility and owning the integration.

The honest answer is rarely all-build or all-buy.

Most teams need a blend and someone who can help them decide what to build, what to buy, and how to get it right from day one. You need a partner who can help you make the right decision. We can help you explore what’s best for you.

Get your personalized read

Walk us through your initiative

Book a free 35–45 minute working session. Within 48 hours we’ll send back a custom diagnostic: where you stand on build / buy / partner, the risks to watch, and a recommended next step.

Free working session

A 35–45 min session + a custom build / buy / partner
diagnostic within 48 hours.

Book a free session
Why GBH

We help you build the right thing, fast

From the Insurtech Insights 2026 stage

As builders and strategic partners, we help insurers and insurtechs ship the right thing with security and compliance from day one. GBH shared the “Build, Buy, or Partner? Making the Right Innovation Bet” panel with leaders from Hippo, NFP, Liberty Mutual Ventures, and Selective Insurance.