Product · The Stack
The stack behind a modern P&C service operation.
A set of modules that clean up your data, pull in more of it, add capacity on demand, and give your team AI tools that turn good agents into your best ones — all without changing your AMS.
Built on 500,000+ P&C transactions, across 50 states.
Track one request through the whole stack.
Like package tracking — but for insurance work. Every stop is a different part of COVU doing its job.
Features
Everything inside the stack.
Grouped by layer. Jump to any layer from the index. VERO and BEX run across more than one layer.
Connect
Data plane 6 featuresSource Ingestion
8 AMS integrations, plus carrier feeds, email, and phone.
Identity Resolution
A golden record per account and policy, deduped and matched across systems.
Policy Journal
An immutable, replayable record of every policy change.
Conflict Resolution
Deterministic rules settle disagreements across AMSs.
Data Services
Clean-up, onboarding, book transfer, multi-AMS consolidation.
Multi-agency IVANS Connection
Direct carrier-to-agency data feed via IVANS. Policies and endorsements flow in without manual entry.
OS
Control plane 12 featuresInbound Capture
Every request and call captured as structured work.
AI Triage
Classifies inbound, routes to the right playbook, filters noise.
Work Decomposition
Breaks each request into ordered tasks. A COI runs as 6.
Smart Assignment
Routes each task by license, skill, eligibility, capacity, and cost.
Playbooks & SOP Enforcement
Standardize workflows and enforce them across entities.
A/B Workflow Testing Soon
Run two versions of an SOP side by side. Keep the winner.
Operations Simulator Soon
Simulate any date from historic data. Plan resourcing and forecast.
COI Generator
Generate certificates of insurance in a few clicks.
Live Ops & Dashboards
Manager view, cost-per-task, throughput, queue depth.
Live Visibility & Monitor
Real-time view of who’s working what, where queues build, and where work stalls.
Bulk Actions & Routing
Reassign, reprioritize, or reroute multiple tasks at once, without one-by-one triage.
Unified Communications
Phone, email, and web captured and surfaced as workable tasks, all in one place.
Service Network
Supply layer 4 featuresU.S. Licensed Agents
Regulated work handled by licensed agents, licensed in all 50 states.
Vetted Capacity
Routine, non-licensed work done at lower cost. QA on every handoff.
On-Demand Capacity
Pay for work, not a seat. Capacity when you need it, without a hire to carry.
License-aware Routing + QA
The right work to the right resource, with an audit trail on every handoff.
VERO
More than one layer 3 featuresData Triage & Cleanup
Triages and cleans data as it flows into Connect, so every record stays usable.
Task Drafting & Completion
Drafts and completes service tasks inside OS, following your playbooks and SOPs.
AI Supply Execution
Executes work as a supply type in the Service Network, routed and governed through OS.
BEX Browser Extension
More than one layer 8 featuresSmart Copy-Paste
Pushes data from OS into carrier forms with no re-keying, across your AMS and carrier portals.
Password Manager
A built-in vault that securely stores and auto-fills each user’s logins for the carrier sites and portals they work in.
Workflow Analytics
Captures analytics on staff behavior and workflow efficiency as agents work in the browser.
Send to Service Network
Sends requests to the Service Network from any tab, right inside the AMS or email.
Reverse Fill
Pulls carrier and PDF data back into COVU OS automatically — so capture is as fast as entry, with no manual re-keying.
Ask Vero
Appetite and coverage answers right in the side panel, on any carrier tab — no switching windows to check who writes what.
Self-Learning Coverage
Field mappings and coverage get smarter the more your team works — every session trains BEX to fill more accurately.
Smart Label Matching
Fills by reading on-screen labels, so it works even on carrier forms it has never seen before.
Proof · Across the agencies we operate
The numbers behind a
quieter, faster floor.
Of inbound filtered as noise
Staff only see the work that actually needs a person.
Tasks a week, AI-routed
Sorted and assigned with no manual triage.
Faster handle time
Median 3.8 minutes per task once the routine is routed out.
Why it's different
Control you can act on.
On top of your AMS
Not a rip-and-replace. It runs over what you already use.
One connected system
A set of modules that share one record and pass work between each other — not point tools bolted together.
Measured and auditable
Every action, human or AI, logged with cost, time, and reason. No black box.
Easy to try
Modular by design. Start with one piece, prove it out, then add the rest — no big commitment up front.
Solutions
Start where it hurts.
Four ways into the same stack. Pick the one that matches the problem in front of you.
Extra Servicing Capacity
Add licensed and vetted capacity on demand, without adding headcount.
Explore
Operational Visibility & Control
Live dashboards, cost per task, and monitoring across every entity.
Explore
Free Up Your Best People
Route routine work to the network so experts do expert work.
Explore
AI Enablement
Put Vero AI to work inside governed, license-aware workflows.
Explore÷ FAQ
Questions operators ask.
How COVU fits with your AMS, your team, and your compliance, answered straight.
Still have questions?
Our team can walk you through how COVU runs on top of your stack, without data or workflow risk.
Book a demoConnect is the data plane, OS is the control plane, and the Service Network is the supply layer. Vero AI works across the stack, and BEX is an in-browser extension that helps with day-to-day browser-based work.
No. The products are designed as modules, so you can pick and choose based on your agency's needs.
Connect makes AMS data usable, OS turns requests into routed tasks, and the Service Network plus Vero helps complete the work. For browser-based AMS workflows, BEX can help inside the browser.
COVU coordinates them through one task-based operating model with license-aware routing, controls, measurement, and audit trails.