We build AI employees that run claims.
Most claims still move by hand, one email and one phone call at a time. Cozmo builds AI employees that run the work from the first call to the final settlement, so the people in claims can spend their time where judgment matters.
A claim passes through a dozen hands before it closes.
Someone answers the call, someone reads the policy and the loss report, someone applies the rules, someone dispatches a crew, someone builds the estimate, someone files the FNOL with the carrier, someone settles. Every handoff adds delay and cost, and the loss data that should make the next claim faster gets lost in the gaps. Carriers, TPAs and restoration firms all feel it, and most of the tools sold to them automate one step and leave the rest untouched.
We took a different route. Cozmo builds AI employees that own the outcome and work inside the systems your team already uses. They answer the call, read the documents, apply the rules, dispatch, estimate, file with the carrier and settle. Every action runs through APE, our Agent Protocol Engine, which holds each step to deterministic guardrails and keeps a regulatory audit trail. The AI does the work and captures the loss data as structured records, so every claim after it has cleaner data to draw on.
One workforce, from the first call to the settled loss.
Cozmo runs the P&C claims chain end to end across carriers, TPAs and restoration contractors, the same AI workforce tuned to each.
Answer the call
The AI takes the first notice of loss over the phone in more than 110 languages, at 850ms voice latency, so nobody waits on hold at the worst moment.
Read, reason and act
It reads the policy and the loss report, applies your rules, dispatches, estimates and files with the carrier, all governed by APE so every decision is checked and logged.
Settle and learn
It closes the loss and captures the data underneath every claim, so each settlement leaves cleaner data behind for the next claim.
A small team from insurance, engineering and applied AI.
We build in the open with our customers.
See an AI employee run a real claim.
Bring us a claim type your team handles today and we will show you Cozmo working it, from the first call to settlement.