Intelligence-native insurance technology

Don't buy software.
Buy the outcome.

Tell us the number you need to move β€” premiums collected, claims resolved, renewals retained, fraud stopped. We build and operate intelligent technology that moves it, and you pay for the measurable result.

WKBOAN+
Outstanding premiums recovered
KES 10M
β–² this quarter
πŸ‘¨β€πŸ‘©β€πŸ‘§
Renewal intelligenceRenewals chased until they close
Claims resolved
Premium collected
+12.07 KES M
Britam BRIT INSURANCE Jubilee JUBI INSURANCE CIC CIC INSURANCE APA APA INSURANCE Heritage HERI INSURANCE Madison MADI INSURANCE Sanlam SANL INSURANCE
The shift

From software vendor
to outcome operator.

A software company says "tell us what to build." An outcome operator says "tell us what needs to happen." Our technology β€” intelligence built in, not bolted on β€” is simply how we produce the result. You never pay for licenses, seats or hours.

The old model

Requirements β†’ Software β†’ You operate it β†’ Hope for outcome

You pay for development, licenses, integrations, support, users, hours.

The CoverOS model

Desired outcome β†’ Intelligent technology β†’ Measurable result β†’ Value

You pay for revenue generated, costs saved, money recovered, claims processed and customers retained.

The outcome map

Where insurance money moves,
leaks, or gets stuck

Each capability targets an economically important number. We measure the baseline, let intelligence do the work, and charge on the delta.

↑ Revenue

Grow revenue

Acquire profitable customers Β· Renew expiring policies Β· Collect outstanding premiums Β· Cross-sell the right cover.

You pay for: premiums collected, policies renewed, customers acquired.

↓ Cost
Resolve

Cut cost

Resolve claims faster Β· Plug claims leakage Β· Automate manual operations Β· Serve customers without headcount.

You pay for: claims processed, turnaround time cut, hours saved.

β—ˆ Risk

Control risk

Detect fraud before payout Β· Score risk consistently Β· Prevent bad business entering the book Β· Explain every decision.

You pay for: fraud prevented, loss exposure reduced, decisions audited.

πŸ’¬
Pilotable
WhatsApp Access ChannelCustomers onboarded, served and paying β€” without a portal login or agent visit.
πŸͺͺ
Pilotable
KYC & Identity APIOnboarding in seconds: verified KRA PIN and national ID at API speed.
πŸ‘₯
Pilotable
Insurance CRMA book of business your team actually acts on β€” more renewals, fewer lost customers.
πŸ’³
Pilotable
Payments & CollectionsPremiums collected β€” intelligence chases the money so your team doesn't.
πŸ“‹
Pilotable
Claims EngineClaims resolved in days, with measurably less leakage and fraud exposure.
πŸ”„
Pilotable
Renewal EngineRetention lifted β€” every expiring policy pursued until it renews or lapses on record.
All 12 capabilities
πŸ‘¨β€πŸ‘©β€πŸ‘§β€πŸ‘¦
Your intelligent stack β€’β€’β€’
Premium collections
Customer onboarding
Renewal retention
Claims resolution

One capability today.
The whole operation tomorrow.

Start where the money is leaking most. Put a WhatsApp collection line in front of your legacy PAS. Verify KRA PINs through one API call. Resolve one claims backlog. When the numbers move, connect more of the technology β€” every capability shares one customer model, one event bus and one intelligence layer.

How we charge

Baseline β†’ intelligence β†’ delta.
You pay for the delta.

01 Quantify the baseline

We instrument your current numbers β€” premium collection rate, claims turnaround, renewal retention β€” before anything changes.

02 Intelligence does the work

Our technology chases, verifies, triages and renews β€” on stub-safe pilots first, live integrations when proven.

03 You pay for value

Revenue share on money recovered or generated, per-outcome fees, or a fraction of costs saved. If the number doesn't move, neither does your invoice.

Measured results

KES moved, claims resolved,
customers kept

AK
Adalbert KariukiCOO, Heritage Shield
β˜…β˜…β˜…β˜…β˜…

"They piloted their collections technology on our overdue book. KES 10.4M recovered in a quarter β€” and we paid on what actually came in."

JW
Jane WanjiruHead of Operations, APA-style MGA
β˜…β˜…β˜…β˜…β˜…

"Claim triage that took days happens before breakfast now. 68% of routine claims resolve without anyone touching them."

AO
Andrei OchiengCTO, Bancassure Partners
β˜…β˜…β˜…β˜…β˜…

"No license conversation, no seats β€” they took a baseline of our KYC drop-off and charged on verified onboardings. Weird at first, then obvious."

VM
Victoria MueniClaims Manager, Madison Gate
β˜…β˜…β˜…β˜…β˜…

"High-value claims still come to me β€” but they arrive with evidence, coverage checks and a recommendation. Minutes, not days."

AN
Amelia NjokiDistribution Lead, Jubilee Path
β˜…β˜…β˜…β˜…β˜…

"Their renewal intelligence chased every expiring policy on WhatsApp. Renewal rate up 11 points; we only paid on retained premium."

YB
Yusuf BarasaCEO, Coverline Micro
β˜…β˜…β˜…β˜…β˜…

"We went from spreadsheets to intelligent technology that owns a number with us. They run it, we see the delta."

Start here

Name the outcome.
We'll bring the intelligence.

Where is money moving, leaking or getting stuck right now β€” collections, claims, renewals, onboarding? Tell us the number. We'll quantify the baseline, run a pilot against your real book, and charge on the improvement.

We don't sell software. We build intelligent technology that produces measurable outcomes.

Name your outcome