Insurance is broken for the people who need it most.
Most businesses don't go out of their way to buy insurance. Instead, it's something they have to do to win contracts with customers, sign leases with a landlord, or even just to run their business.
This makes insurance both critically important, and a pain in the ass.
Today, small businesses buying insurance go through a process designed for enterprises. Long applications. Weeks waiting for quotes. Policy language they don't understand. When they need proof of insurance, they're stuck waiting for their broker. When they need to file a claim, they're on their own.
Few, if any companies have an in-house insurance expert. Instead, this critical job falls on someone who never signed up for it.
A contractor bidding on a city job shouldn't have to become an insurance expert. A restaurant owner renewing their lease shouldn't spend weeks navigating policy language.
These are moments where insurance should just work, and right now it doesn't.
This doesn't have to be the case anymore.
AI agents are already executing complex tasks autonomously across industries, but insurance requires context, safeguards, and systems that don't exist yet.
Our belief is that by building this missing layer, AI can make insurance simple and autonomous for businesses.
Our first product, Claire, is an AI-native system-of-record for commercial insurance. Claire does the basics, like helping businesses keep track of their policies and understand their coverages.
But Claire can also take action in a way that dramatically reduces the work involved for businesses to compare, buy, manage, and renew their insurance.
Imagine:
Your company needs proof of property insurance to sign a lease. Instead of emailing your broker and waiting for days, Claire can automatically find the right policy, generate a certificate, and deliver it in minutes.
Or, your company's general liability policy is up for renewal in 60 days. Instead of procrastinating, Claire can proactively flag the upcoming renewal, compare changes in risk over the past year, and draft an email asking your broker for renewal options.
Claire also handles the ongoing noise: answering due diligence questions from customers, fielding "am I covered for blank?" questions, and much more. All of this happens via the channels where businesses already do their daily work: email, SMS, and chat.
What really makes the experience magical is multiplayer mode.1 Claire holds context across your entire organization, and connects the dots between people who would otherwise never talk to each other about insurance.
Today, your sales team might file a coverage request over email, your HR team asks a separate question in Slack, and your broker answers each one in isolation. No one benefits from the other's context. Claire changes that: she knows that the new general liability policy your sales team needs for a client contract also has to satisfy HR's requirements for the new office lease. She routes the right questions to the right people, reconciles competing needs, and delivers a single, better outcome. The more teams that work through Claire, the more context she carries, and the more valuable she becomes to everyone.
We're launching Claire by partnering with insurance brokers across the US and Canada.
Even a small commercial broker can manage 500 accounts. Servicing these accounts is where most of their time goes. It's also work that doesn't often generate new revenue.
Claire gives brokers the ability to provide personalized service to all of their clients without adding headcount. Every client gets what feels like a dedicated insurance expert working 24/7 on their team. Every broker gets to provide better service, retain clients, and free up their team to sell.
If you want to see what Claire can do for your clients, or if you want to recommend Claire to your insurance broker, email us at hello@claritylabs.inc or book a demo here.
This is just the start.
— Adyan & Terry