Not another point solution. A platform that automates your entire operations stack — from first notice of loss to renewal, with embedded compliance and a human always in the loop.
Built for the systems insurance already runs on
Carriers, MGAs, and brokers run on a sprawl of point tools and offshore teams. The work is high-volume, deeply regulated, and almost entirely manual — exactly the shape of work agents should do.
Cover Wave ships purpose-built agents across the full insurance lifecycle. They share memory, policies, and audit trails — so a decision in claims is informed by the underwriting that wrote it.
Triage FNOL across email, phone, and forms. Set reserves, run fraud signals, draft correspondence, and route the edge cases to a human adjuster — every step logged.
Ingest broker submissions, normalize loss runs, enrich with third-party data, and produce a quote-ready file with rationale. The agent drafts; the underwriter decides.
Onboard agents and brokers, manage appointments, monitor CE and licensing, and answer the long tail of producer questions across email and Slack — at agency-of-record scale.
Every action is policy-checked before it ships. State-by-state filing rules, NAIC market conduct, unfair-claims acts — encoded as guardrails the agents must pass through.
Every insurance AI startup is a single function. Every horizontal agent platform is a generic toolbox. Cover Wave is the only platform built across the lifecycle, with insurance encoded at the model layer.
| Point solutions | Horizontal agent platforms | Cover Wave | |
|---|---|---|---|
| Approach | Single function (claims OR UW) e.g. Liberate · Pace · FurtherAI | Generic agent builder, BYO domain e.g. Sierra · Decagon · Crew | Insurance-native platform across the full lifecycle claims · UW · distribution · compliance |
| Insurance depth | ● Deep, but in one workflow | ○ None — generalist | ● Encoded: ACORD, NAIC, state rules |
| Lifecycle coverage | ○ One stage | ○ Whatever you build | ● FNOL → renewal, one graph |
| Embedded compliance | ○ Bolt-on | ○ Not opinionated | ● Guardrails by default |
| Human-in-loop | ● Per workflow | ○ DIY | ● First-class, with adjuster UX |
| Buyer fit | Function head (VP Claims) | Eng / RevOps | COO / CIO — operations as a whole |
If you're a carrier, MGA, or broker rethinking the mid-office, we'd like to build with you.