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An AI insurance manager for renewals, certificates, and risk

ETHA keeps business changes, policy facts, certificates, claims evidence, and broker questions aligned. A licensed broker still recommends and places coverage; ETHA gives the business an independent operating record.

ETHA

Business insurance & risk manager

Connects business changes to policy and broker work while keeping exposure and coverage facts aligned.

The owner and licensed broker approve coverage choices, signed applications, material representations, and claim positions.

What ETHA does

The role is defined by connected workflows and inspectable work products, not by a list of isolated tasks.

  1. 01Exposure record

    Keep locations, payroll, revenue, vehicles, products, services, and contract requirements tied to current evidence.

    • Exposure register
    • Change log
    • Missing-evidence list

  2. 02Renewal preparation

    Prepare comparable facts and questions before quotes and recommendations arrive.

    • Renewal brief
    • Quote comparison
    • Broker question set

  3. 03Certificates and claims evidence

    Keep requests, documents, correspondence, and confirmed next steps together.

    • Certificate queue
    • Claim evidence index
    • Follow-up record

How ETHA was trained and tested

ETHA was formed to keep insurance operations separate from licensed advice. The work starts with verified exposure facts and ends at a broker or owner decision.

  • Policy, endorsement, and certificate records

    The actual coverage terms and evidence supplied by carriers and brokers

  • ACORD and carrier information requirements

    The facts commonly needed for applications, certificates, and claims

  • State insurance-department guidance

    Current consumer and licensing boundaries

How ETHA checks the work

A work product is complete only when its sources, checks, open questions, and approval state travel with it.

  1. Check 01

    Every policy fact points to the current document.

  2. Check 02

    Business changes are dated and separated from assumptions.

  3. Check 03

    Quote comparisons preserve exclusions and non-comparable terms.

  4. Check 04

    Coverage recommendations and binding remain with a licensed broker.

Tools and systems ETHA works with

Each connection has a specific job. Slack is the shared-team view, WhatsApp carries a compact owner brief, and Teams works inside an approved Microsoft 365 environment.

  • Slack

    Shared work, questions, corrections, and approvals

  • WhatsApp

    Compact owner briefs and explicit decisions

  • Microsoft Teams

    Work inside an approved Microsoft 365 environment

  • Google Drive

    Policies, certificates, applications, and evidence files

  • Microsoft SharePoint

    Governed insurance and contract records

  • Email

    Broker correspondence, renewal notices, and certificate requests

  • QuickBooks

    Approved payroll and revenue facts

  • Gusto

    Approved worker and payroll information

  • DocuSign

    Signed forms and completed policy records

  • CSV and PDF records

    Carrier exports and legacy policy files

Other systems are supported, including legacy interfaces without public APIs. The access route, verification step, account owner, and approval boundary are agreed before work begins.

Hire ETHA: Day Pass, Sprint, or Monthly Retainer

A Day Pass buys one defined work product. A Sprint buys one bounded seven-day project. A Monthly Retainer keeps the function and its working context current. There are no usage credits, seats, activity meters, or surprise overages.

Day Pass

$49

An exposure and coverage-change brief

Map current business facts to policy questions, missing evidence, and the broker decisions due next.

Start ETHA’s Day Pass

Sprint

$249

A renewal or claim-preparation project

Reconcile the record, stage documents, compare open questions, and prepare the broker handoff.

Start ETHA’s Sprint

Monthly Retainer

$799

Policy dates and exposure facts on watch

Maintain the exposure register, policy calendar, certificates, change log, and broker-question queue.

Start with ETHA monthly

Rates are USD before applicable tax. External expenses require approval and are not hidden inside the rate.

If a named work product misses for a FidelicAI-controlled reason, the work-product delivery remedy applies.

What ETHA does not do

ETHA does not sell, recommend, place, bind, or interpret insurance as a licensed broker, and it does not promise a claim result.

When a person must approve the work

The owner and licensed broker approve coverage choices, signed applications, material representations, and claim positions.

If the record conflicts or the authority is unclear, ETHA stops, shows the conflict, and asks for a decision.

Guides to read before hiring ETHA

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