A tech-enabled specialty insurance brokerage for startups and AI-native companies
By a procurement team, an investor's diligence list, or a customer's counsel. We build programs that hold up when it happens.
The problem
A customer sent an MSA with an insurance exhibit. An investor's term sheet asked for D&O. A landlord wanted a certificate before handing over the keys.
So the policy has one job. Satisfy somebody else.
That is where it usually breaks. You buy something that looks right, feel good about it, then sit in your customer's vendor risk queue while a stranger decides whether your certificate is good enough.
Three weeks later you find out it was not.
Buying the policy was never the hard part. Getting it through the review is where deals stall.
What “cleared” means
Open your customer contract and find the insurance clause. It may specify a carrier rating, policy limits and endorsements, as well as the insurer's status in your state.
We start with those requirements.
We check the proposed insurer and terms against the requirements you provide. If something needs carrier confirmation or a discussion with your counsel, we explain it before you bind.
An AI product can change the questions a carrier asks. Exclusions, definitions and endorsements can also change at renewal, even when the policy name stays the same.
We read those.
Send us your current policies and the insurance requirements. We provide an initial written contract check within one business day after receiving the necessary information, with potential gaps, questions to clarify and next steps. Carrier quotes and changes may take longer.
We compare the insurance requirements with your policies. Accuracy warranties, uptime promises and indemnities need particular attention: insurance may not cover every contractual obligation. Your counsel should advise on the contract itself.
Here is what tech-enabled means at a specialty brokerage, and what it does not mean. It does not mean software making your underwriting decisions. Coverage judgment is the specialist's job, and it is the part you are actually paying for.
It means a clearer way to organize the work:
Certificate requirements checked against the policy, including additional insured, waiver of subrogation and primary and non-contributory wording where needed.
Documents organized for the team reviewing them, so missing information and follow-up questions are easier to identify.
Renewal conversations that include your next contract, so changes in your company and its requirements are part of the coverage discussion.
The machine handles the paper. The people handle the coverage.
The approach
Why us
Different businesses. The same need for clarity.
A contractor needs the right insurance documents before work begins. A startup can face a similar hurdle when a customer sends a vendor questionnaire or an insurance exhibit.
The details matter before the work starts.
Charlie Hughes was an early team member at Embroker, working in growth, distribution, strategy and insurance product development. He brings that startup insurance experience to the team behind StartupInsurance.ai.
Through ContractorNerd Insurance Services, LLC, we bring an independent agency's perspective to the contracts, operations and deadlines that shape a company's insurance needs.
The aim is straightforward: use technology to simplify the process, and keep the judgment about policy wording and coverage with people.
Coverage
General Liability · Tech E&O and Professional Liability · Cyber · Directors and Officers · Employment Practices Liability · Fiduciary and Crime · Workers' Compensation · Media Liability · Umbrella and Excess
We look at how your AI product works, the obligations in your contracts, and the wording offered by carriers. There is no universal AI policy: definitions, exclusions and the facts of a claim determine what may be covered.
Does Tech E&O cover AI output errors? →Products Liability · Inland Marine · Tools and Equipment · Commercial Auto · Builders Risk · Surety · Property
Building robots or hardware, or working on-site? Tell us about the physical exposure so we can check market appetite and the coverage options for your business.
Guides
Straight talk
A wrong output, missed accuracy threshold or unexpected agent action may raise different coverage questions. A policy name alone cannot tell you whether those events are insured.
We run the check, and if your program holds up we say so in writing and you owe us nothing. We would rather be the broker who told you the truth.
A straightforward policy may be available through an online platform. Compare the terms, requirements and total cost—not just the lowest price. A more complex contract may call for more hands-on help.
The free contract check
Get an initial written review within one business day after we receive the necessary information: potential coverage gaps, questions to clarify, and the next steps to explore. Carrier quotes and policy changes may take longer.
Free. Yours to keep, whatever you decide.
