Every channel, one agent
Voice, chat, WhatsApp and email run through one agent, one policy and one audit trail. A customer gets the same Cozmo on voice, chat, WhatsApp or email.
Y
Backed by Y Combinator
The AI workforce for property & casualty.
Cozmo agents answer every call, read the documents, apply your rules and update the system of record. One workforce for property carriers, third-party administrators and the restoration contractors who show up in the field.
Hi, I... there's water coming through my ceiling. I think we have a leak upstairs.
Oh, I'm so sorry. We're going to take care of you. Are you safe right now?
CRM updated0:06
Yeah, I'm okay. I have no idea what to do.
You're doing great. A crew is already on the way. They'll be there in about 45 minutes.
Crew dispatched0:12
Okay, thank you. Do I need to call my insurance?
I'll take care of the carrier side. The crew will document the damage when they arrive.
Should I move things out of the way?
Anything you can safely. The crew will help with the rest when they get there.
Live in production
Running real claims today for leading carriers, TPAs and restoration companies across the P&C space.
0
Production calls handled
0
Customer interactions handled
0
Languages spoken natively
0
Average voice latency
First call to settlement
One workforce for the whole property & casualty loop.
Conversations, documents and decisions each live in a different system, and the real work still gets done by hand inside core platforms. Cozmo runs all of it in one place, from the first call to the settled payment, so nothing gets dropped between the handoffs.
01
Intake
First notice
Answers the call, captures the loss, logs photos and documents at the first moment of record.
02
Dispatch
Route & assign
Triages the case, routes to the right team or contractor and dispatches the crew in minutes.
03
Field
Mitigate & repair
Tracks the work in the field, follows up on documents and keeps every party in the loop.
04
Estimate
Scope & price
Builds carrier-ready estimates, applies the rules and prepares the case for adjudication.
05
Settle
Pay & reconcile
Drives the case to resolution with billing handled and a full audit trail on every action.
The claims desk
One console for every open claim.
Cozmo runs the intake, and your team works from a live worklist organized around the one thing that needs a person next.
Claims Ops
Claims
Every open FNOL, organized around what the operation needs to act on now.
Open claims
16
Not yet accepted or closed
Needs a person
6
Missing info, no provider, or escalated
Accepted
2
Placed in the job system
Carriers
8
Represented in this worklist
| Claim | Loss | Carrier | Location | Status | SLA |
|---|---|---|---|---|---|
| A. Rivera 00104-71927 | Water · Windstorm | National Mutual | — | Awaiting info | Paused |
| J. & M. Carter 50000-70881 | Water · Water assignment | Pacific Casualty | Atlanta, GA | Awaiting acceptance | Overdue |
| D. Bennett 50499-91234 | Water · Emergency mitigation | Summit Insurance | Marietta, GA | Awaiting acceptance | Overdue |
| S. Okafor 20260-71223 | Fire · Kitchen fire and smoke | Cornerstone Mutual | Madison, WI | Awaiting acceptance | Overdue |
Who we serve
Built for everyone in the chain.
The same agents, audit trail and structured state serve every side. What changes is the outcome each one is paid to hit.
For carriers
Take cost out of every claim without touching your core systems.
A softer market means cost has to come out now. Cozmo runs the claim end to end and works with the telephony, CRM and core platforms you already run. No rip and replace, live in days.
- ✓ Every first notice answered, logged and dispatched in production, day or night.
- ✓ Policy and country rules enforced continuously, so decisions stay consistent and explainable.
- ✓ Clean, structured loss data on every claim, captured automatically and written back to your system of record.
- ✓ Outcome-based pricing. You pay when a claim resolves, so a call that goes nowhere costs you nothing.
Claims operations Live
70%
Lower cost per successful resolution
3 wks
Pilot to production deployment
100%
Of actions captured with an audit trail
24/7
First notice answered in any language
For third party administrators
Handle more claims per adjuster, without adding headcount.
Cozmo takes the repetitive work off your team. Intake, follow ups, document chasing and estimate prep run on their own, and your adjusters pick up the cases that need judgment with full context in hand.
- ✓ Intake and triage handled the moment a loss comes in, across voice, chat, WhatsApp and email.
- ✓ Document follow ups chased automatically until the file is complete.
- ✓ Carrier-ready estimates prepared and packaged for adjudication.
- ✓ Every handoff to a person arrives with the full case attached.
Case throughput Live
Loss reported auto-intake
Triaged & routed 12s
Documents chased hands-free
Estimate prepared carrier-ready
Adjuster handoff full context
For contractors & restoration
Never miss a job, and hand the carrier paperwork it can pay on.
When a property owner calls at 2am, the agent picks up, books the crew and starts the file. It documents the loss in the caller's own language and turns the field work into a carrier-ready package, so you win more jobs and get paid faster.
- ✓ Every inbound call answered live, so the job never goes to whoever picked up first.
- ✓ Crews dispatched and work authorizations signed on the spot, by text.
- ✓ Direct dispatch into Encircle, Dash, Albiware and ServiceTitan.
- ✓ Built for multi-location restoration operators, from the first call to the carrier filing.
Field intake Live
0
Missed calls, day or night
45 min
Average crew on-site response
24/7
Answered, weekends and surges
110+
Languages your customers can call in
Why teams choose Cozmo
What we do differently.
Built for teams who measure success in resolved cases.
No rip and replace
Cozmo works with your telephony, CRM and core platforms. Carrier-grade SIP, native connectors, live in days. Your stack stays exactly where it is.
Your team, amplified
Agents handle the cases that need human judgment. Cozmo handles everything else and passes each case over with the full history attached.
End to end in one system
Opens the case, reads the documents, applies the policy and updates your system. One agent owns the outcome, from the first call to the last.
Outcome-based pricing
You pay when a case resolves. If it does not close there is no charge, so our incentives line up with yours.
Your loss data, structured
Every claim captures the photos, the scope and the settled amount in one structured record, so you finally have complete loss data, and the next claim has better information to work from.
The platform
One operating system for voice, chat and documents.
Local telephony
80+
Local numbers, anywhere they pick up
Carrier-grade SIP with in-country numbers across 80+ countries on six continents. Customers see a familiar local code, your team gets one unified call layer with the same recording and audit trail everywhere.
Multilingual
110+
Fluent in your customer's language
Production calls in 110+ languages today. Native quality across Spanish, Arabic, Hindi, Portuguese and the regional dialects other voice AI skipped, so a caller can switch languages mid-sentence and the agent keeps up.
Analytics
50+
Every conversation, measured
The deepest analytics layer for voice, chat and email agents. Cozmo scores every conversation, surfaces what is working and shows where to invest next, with full API access.
The operator's view
Today's operation in one view.
Volume, what is in queue and what needs a person right now, with the deep analytics layer underneath every conversation.
Claims Ops
Overview
Today's operation, and what needs a person right now.
Total losses
22
Across every channel
Placed
2
9% of all losses
In queue
16
Working across the desk
Needs a person
6
15 at risk
Calls in progress
3
Provider dispatch calls
Losses by peril
Share of losses by damage type
Water 9 · 41%
Fire 9 · 41%
Unspecified 4 · 18%
Intake by channel
How new losses are arriving
Assignments 15 · 68%
Email 7 · 32%
APE · Agent Protocol Engine
The control layer behind every AI employee.
APE coordinates agents, enforces policy, maintains shared state and makes sure every action is governed, explainable and auditable. It is what lets Cozmo run real workflows in insurance, from a live call through to the system update.
Company-level knowledge
Agents work inside a shared, structured company state, running in parallel toward one consistent, governed outcome.
Industry-specific logic
Country rules, sector standards and company policy are built into the system state and enforced continuously as interactions evolve.
Deterministic guardrails
Decisions are structured, explainable and reproducible by design, with no reliance on prompt wording or post-processing.
Common questions
What teams ask before they deploy.
Yes. We will call you with the agent during the demo and let you decide for yourself. If you can spot the AI in the first ninety seconds, we will not deploy.
It does the work. Cozmo answers the call, reads the documents, applies your policy, dispatches the crew, sends the authorization, files the first notice of loss with the carrier and tracks it to settlement. Your team handles the parts that need human judgment.
No. Cozmo works with the telephony, CRM and core platforms you already run. Carrier-grade SIP, native connectors, no rip and replace, live in days.
Yes. For restoration operators, Cozmo answers every call, qualifies the loss, dispatches the crew, sends the work authorization and files the FNOL with the carrier, with direct integrations into Encircle, Dash, Albiware and ServiceTitan. See the restoration workflow →
Those are configured during onboarding: required fields per program, escalation rules and portal format. FNOLs are filed in the carrier-required format, with Xactimate and Symbility scope language where it applies.
The call routes to a human you specify, with the full conversation handed over, whether that is your on-call team, your dispatcher or your existing answering service. The agent never invents a price or a scope.
Setup takes days. We ramp in stages against your own call volume so you are never fully cut over at once. Restoration teams go live in about seven business days.
You pay when a case resolves, so our incentives line up with yours. For restoration, pricing is a flat monthly fee based on your call volume, with no setup fees or per-minute charges.
See Cozmo handle a real operation.
We will open a live workflow and show you what happens to the voice call, the documents, the decision and the system update.