Product

One platform. Four agents. The full insurance lifecycle.

Coverwave is a deeply opinionated platform for insurance operations. Each agent ships with prebuilt domain knowledge, integrations, and compliance guardrails — and they share a common memory layer so work flows across the lifecycle.

01 — Claims

Triage every FNOL.
Reserve in seconds.

From email, phone, photo or ACORD form: extract the file, set the reserve, run fraud checks, and draft the acknowledgement. Adjusters spend their day on the 5% of files that need a human, not the 95% that don't.

FNOL Intake
Multi-channel — email, phone, broker portal, ACORD PDFs. 47 fields, <2s.
Reserve & Severity
Severity model + carrier rules. Reserves posted to PAS with audit trail.
Fraud & SIU
Cross-claim graph + external signals. Edge cases routed to SIU.
Subrogation discovery
Identify recoverable files before they age out of statute.
cw / claim · #2026-04-1187 ● live
ClaimantYamada, K.
PolicyHO3-44-019812
Loss typeWater · escape
Reserve set$14,200
Severity3 / 5
Fraud signallow (0.07)
Subrogationpossible — plumber
Routed toA. Chen · adjuster
SLA23h 14m
cw / submission · 2026-Q2-04129 drafting
01Clearance check · GL · Carmichael Mfg✓ pass
02Loss runs normalized · 5y · 18 claims✓ pass
03SIC enrichment · 3589 · property exposure✓ pass
04Sanctions / OFAC screen✓ pass
05Quote letter draft · pricing tier Bdrafting…
06UW reviewqueued
02 — Underwriting

Submission to bind,
without the file shuffle.

Brokers send messy submissions. The agent reads everything, fills your schema, enriches with the third-party data your appetite needs, and assembles a ready-to-decide file with rationale.

Submission triage
Clearance, completeness, appetite-match in under a minute.
Loss-run normalization
PDFs, scans, broker spreadsheets → one canonical schema.
Exposure enrichment
SIC, geo, hazards, prior policies — pulled and cited.
Quote letter drafting
Drafted in your voice with rationale you can audit.
03 — Distribution

A concierge for every producer.

Onboard agents in days, not months. Answer the long tail of broker questions across email and Slack with full context on appointments, commissions, and policy admin. Your distribution team stops being a help desk.

Producer onboarding
License verification (NIPR), W-9, appointments — automated end to end.
Commission reconciliation
Statements ↔ ledger ↔ producer agreement. Disputes in one click.
Broker concierge
"Did my endorsement bind?" answered with sources, in 4 seconds.
Appointment lifecycle
CE tracking, terminations, state filings — out of inbox, into a system.
cw / producer · #broker-channel 9:42 am
M. Ortega · Sterling & Co. broker
Did the endorsement on policy WC-771203 bind yet? Client is asking whether their new vehicle is covered for tomorrow's delivery.
Coverwave · concierge
Yes — endorsement #4 bound at 8:31a today, effective 12:01a tomorrow. Vehicle 2024 Ford Transit (VIN ending 8H21) added with comp/coll. Cert can issue from your portal now.
→ source: PAS endorsement #4 · binder.pdf
M. Ortega
Perfect. Send the cert to fleet@blueline.co please.
Coverwave · concierge
Sent. Cert ID 2026-44C-019. Tracked in your portal under WC-771203.
cw / policy-check · pre-send ● 6 / 6 pass
CA unfair claims §790.03 · ack within 15dCA-790.03
PII redacted in outbound messagePII-RDX
NAIC market conduct · denial languageNAIC-MC
Appraisal rights disclosedDISC-APR
Fairness monitor · adverse-action parityFAIR-AA
Audit log signed & timestampedLOG-SIG
04 — Compliance

Guardrails the agents
can't drive past.

Insurance is one of the most regulated industries on earth. Every Coverwave agent ships behind a policy engine that encodes state-by-state rules, NAIC market conduct, and your own internal playbooks. Nothing ships until it passes.

State filing rule engine
All 50 states + DC, versioned, with effective dates.
Market-conduct audit trail
Every agent action signed and timestamped. Examiner-ready.
PII & PHI handling
In-flight redaction, encryption, SOC 2 / HIPAA controls.
Bias & fairness monitors
Continuous, with carrier-defined fairness metrics.
How it works

From your existing systems
to agentic operations.

Coverwave sits on top of the systems you already run. We connect, learn your playbooks, deploy guardrailed agents, and put a human at every checkpoint that matters.

01

Connect

Read-only connectors to your PAS, CRM, doc store, email, phone, and BI in under a week.

02

Learn

Ingest your playbooks, prior decisions, and forms library. The agent's memory mirrors yours.

03

Deploy

Start with one workflow in shadow mode. Compare agent output against your team. Promote to live.

04

Operate

Humans approve the edge cases. Coverwave handles the rest, signed and audited end to end.

Integrations

Plays well with the systems insurance runs on.

Guidewire
PAS · ClaimCenter
Duck Creek
PAS
Salesforce FSC
CRM
Origami Risk
RMIS
Snowflake
Warehouse
ACORD
Forms
NIPR
Licensing
Twilio
Voice · SMS
Security & compliance

Built for the regulated reality of insurance.

Encryption end to end. Tenant isolation by default. Fine-grained permissions, signed audit logs, and a policy engine you can read. Pen-tested, SOC 2 Type II audited, and HIPAA-aligned.

SOC 2 Type IIContinuous controls audit
HIPAA-alignedPHI handling, BAA-ready
SSO & SCIMOkta, Entra, Google
Tenant isolationVPC + per-tenant KMS keys
Signed audit logExaminer-ready, immutable
Model isolationNo training on tenant data

See Coverwave on your data.

Bring a single workflow. We'll show you what your operations look like at agent speed.

Book a working session