---
title: "AI Insurance Manager for Small Business | ETHA | FidelicAI"
description: "Hire ETHA to keep business changes, policy facts, certificates, claims evidence, and broker questions aligned. Compare a Day Pass, Sprint, or monthly retainer."
canonical: "https://fidelic.ai/agents/ai-insurance-manager"
dateModified: "2026-08-21"
---

# An AI insurance manager for renewals, certificates, and risk

**ETHA: Business insurance & risk manager**

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.

## The work ETHA owns

### Exposure record

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

**Work products**

- Exposure register
- Change log
- Missing-evidence list

### Renewal preparation

Prepare comparable facts and questions before quotes and recommendations arrive.

**Work products**

- Renewal brief
- Quote comparison
- Broker question set

### Certificates and claims evidence

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

**Work products**

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

## How ETHA was formed

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

## Quality control

- Every policy fact points to the current document.
- Business changes are dated and separated from assumptions.
- Quote comparisons preserve exclusions and non-comparable terms.
- Coverage recommendations and binding remain with a licensed broker.



## Integrations

- **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.

## Rates

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.

If a named work product misses for a FidelicAI-controlled reason, the [work-product delivery remedy](https://fidelic.ai/guarantee) applies.

### 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 Day Pass with ETHA](https://start.fidelic.ai/?agent=etha&from=agent-etha-markdown&mode=day)

### Sprint: $249

**A renewal or claim-preparation project.** Reconcile the record, stage documents, compare open questions, and prepare the broker handoff.

[Start Sprint with ETHA](https://start.fidelic.ai/?agent=etha&from=agent-etha-markdown&mode=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 Monthly Retainer with ETHA](https://start.fidelic.ai/?agent=etha&from=agent-etha-markdown&mode=retainer)

## 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.

## Where approval stays human

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

## Read before you hire ETHA

- [Review a business insurance policy](https://fidelic.ai/work/business-insurance-policy-review): Compare the policy record with the way the business operates before renewal.
- [Choose one result, a project, or a standing role](https://fidelic.ai/guide/hiring/ai-employee-pricing): A plain comparison of day, project, monthly, usage-priced, and human options.
- [Where an AI employee’s work should appear](https://fidelic.ai/guide/slack/where-ai-work-should-appear): Why sources, corrections, approvals, and finished work need a shared record.

## Citation

FidelicAI. "ETHA: Business insurance & risk manager." https://fidelic.ai/agents/ai-insurance-manager