Independent P&C insurance runs on legacy systems and manual service work. COVU is the operating layer that finally runs it, built by operators, proven on the agencies we ran ourselves.
Request a conversationMarket-size and fragmentation figures to be sourced from a citable industry report before external use.
Three layers, plus the AI and tooling that run across them. Each is a wedge into a fragmented market, and a source of advantage that compounds as it scales.
Makes the book usable across every AMS: consolidates records, resolves duplicate accounts, and feeds everything from one trusted source.
The wedge into a fragmented market. Once COVU is the connective layer across systems that were never built to talk to each other, it becomes the trusted source of record for service, earned without lock-in and harder to displace as more books and carriers connect.
Explore Connect →Decomposes service into tasks, routes them by license and skill, and measures what each one costs.
Turns invisible, tribal-knowledge work into structured, measurable data. That foundation is what everything else compounds on: pricing, automation, and margin all improve as the task base grows. It is the layer that makes the operation legible enough to run like a business.
Explore OS →On-demand capacity to do the work: U.S. licensed agents, vetted capacity, and VERO AI, all routed and governed through OS.
Capacity that scales without agencies hiring. As AI absorbs more routine work, human effort moves to higher-value tasks and the economics improve with volume, turning service from a fixed headcount cost into flexible, revenue-aligned supply.
Explore the Service Network →COVU's AI, working inside Connect, OS, and the Service Network. It triages, drafts, and executes service work on a standardized foundation.
The compounding advantage. Because the work is structured first, AI compounds here instead of plateauing the way bolted-on pilots do. Every task the stack runs makes it better, on top of operating data that is not available to anyone building from the outside. This is where the long-term margin story lives.
Explore VERO →Captures task-efficiency data as agents work in the browser, and lets them send work to COVU from inside the AMS or email.
Extends the operating data COVU can see and act on into the tools agencies already live in. It lowers the friction of adoption and widens the data advantage with every action it observes, reaching agencies long before they migrate anything.
Explore BEX →COVU does not replace the AMS. It runs the operating model on top of it.
Connect, OS, the Service Network, and VERO, in one operating picture.
Two-way AMS integration and a read-only buyer API. No lock-in.
An audit trail on every action.
A deep base of operating data and a task-based, AI-native architecture.
Funding and round details added once they are in the Proof Tracker.
