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Coming up next · Meet ETHA · Business Insurance & Risk Manager

Insurance keeps pace with the business

Meet ETHA, a business insurance operations employee. ETHA watches for changes in payroll, revenue, vehicles, locations, products, and contracts; keeps the policy record current; and prepares the evidence and questions a licensed broker needs.

First useful file
A current exposure and coverage-change brief with broker questions
Planned first delivery
Same day after policies and business facts connect
Best for
Owners whose insurance was bought once and no longer matches the business operating today

Professional tier · In formation. See how the tiers work.

The workflows ETHA owns

One employee carries the work from the first fact through the next decision. The files below belong together because they use the same business record and improve one another.

  1. 01

    Exposure register

    Keeps the operating facts that may affect insurance in one dated business-change record.

    • Business-change log
    • Property and vehicle schedule
    • Employee and payroll change list
    • Cyber-exposure note

    Monthly review and whenever the business changes

  2. 02

    Coverage record

    Reconciles the policy documents to current entities, locations, property, people, and contractual needs.

    • Policy inventory
    • Limits and exclusions table
    • Named-insured check
    • Certificate register

    Monthly check with a full pre-renewal review

  3. 03

    Renewal and quote preparation

    Gives the broker or insurer one current factual packet and gives the owner a comparable decision view.

    • Renewal brief
    • Broker question list
    • Comparable quote table
    • Open coverage-question list

    At renewal and after a material business change

  4. 04

    Contract insurance

    Tracks customer insurance requirements through certificate and endorsement requests.

    • Requirement matrix
    • Certificate request packet
    • Endorsement follow-up log
    • Delivery confirmation

    Per customer contract and certificate renewal

  5. 05

    Claims preparation

    Keeps the incident facts, communications, documents, and insurer requests in a traceable claim record.

    • Incident timeline
    • Evidence index
    • Claim-document packet
    • Open-request log

    At an incident and through claim closure

Illustrative work product

A file you can inspect before ETHA ships

This is not customer work. It is the first-file test: a concrete packet that shows the facts, open decisions, boundaries, and next action the employee must carry.

  • The illustrative work sample is not customer work.
  • Policy advice, sale, placement, binding, and claim decisions remain outside the role.
  • Policy and exposure checks use current documents and owner-approved facts, not assumed coverage.

ETHA-01 · formation file

A current exposure and coverage-change brief with broker questions

Illustrative

Illustrative sample · not customer work

Pre-renewal exposure and broker brief

Illustrative file for a seven-person product studio renewing a business-owner policy, workers’ compensation, cyber coverage, and hired-and-non-owned auto coverage. The brief records facts and questions. It does not recommend limits, interpret exclusions, or rank a policy as adequate.

Business changes since the prior application

Headcount increased from four to seven. Two employees now work from states not listed in the prior application. Revenue increased, one customer now requires a higher liability limit, the studio began storing limited customer account data, and employees use personal vehicles for occasional client visits. No owned vehicle or new office has been reported.

Records reconciled

The legal entity and mailing address agree across three policies. The cyber application still describes four employees and does not reflect the current customer-data process. The certificate register contains six active customer requests; two expire before the policy renewal date. One contract asks for an endorsement not found in the delivered certificate packet.

  • Owner: confirm payroll by work state and the first date each employee worked there.
  • Broker: explain whether the added states require policy changes or separate placements.
  • Broker: explain the available response to the customer’s higher-limit and endorsement request.
  • Security owner: confirm the current data types, access controls, backups, and incident contact.

Quote comparison frame

Quotes will be normalized by policy period, premium, deductible or retention, stated limit, key endorsements, exclusions called out by the broker, payment schedule, and open conditions. ETHA will not convert those fields into a coverage score. The owner and licensed producer decide which differences matter.

Ready state

The renewal packet is not ready to submit. Five owner or adviser facts remain open. Once confirmed, ETHA will prepare the factual application record, show every changed answer beside the prior answer, and wait for owner approval before anything goes to a broker or insurer.

ETHA next to the tool and human paths

ERGO NEXT quotes, sells, and services small-business policies online. ETHA does not sell insurance. ETHA keeps the exposure record, policy record, broker questions, certificates, and claim evidence current across carriers. A licensed broker remains the person who recommends and places coverage.

What ETHA, ERGO NEXT, and a Licensed broker each do.
ResponsibilityETHAERGO NEXTLicensed broker
Quote and bind a policyNoYesYes
Maintain one exposure register across policiesYesLimitedYes
Flag business changes before renewalYesLimitedYes
Prepare comparable quote and broker questionsYesLimitedYes
Assemble certificates and claim evidenceYesYesYes
Make a licensed coverage recommendationNoLimitedYes

Tool column checked against the official ERGO NEXT product page on August 6, 2026. Features vary by plan. “Limited” means the option covers part of the row or still needs someone to operate it.

What forms ETHA

These are the primary sources that establish the work, current requirements, and professional boundaries. The live employee will check current sources again when the work begins.

The first month with ETHA

By day 30, every current policy and certificate is tied to a current exposure record, owner, renewal date, and open question.

  1. 01 · Day 1

    I build the policy, certificate, claim, renewal, and business-exposure inventory.

  2. 02 · Week 1

    I reconcile policy facts to the current business and route the first broker and owner questions.

  3. 03 · Month 1

    I maintain the exposure register, certificate queue, renewal plan, and dated decision record.

Works with your existing systems

  • Slack
  • Google Drive
  • Microsoft SharePoint
  • Policy portals
  • Certificate portals
  • Calendar

What ETHA does not do

I do not act as an insurance producer, broker, adjuster, or insurer.

I do not tell the owner that a limit, exclusion, endorsement, or policy is sufficient.

I do not sign an application, bind coverage, accept a quote, or submit a claim without approval.

I do not decide fault, coverage, claim value, or whether an insurer should pay.

The line that does not move

I will not sell, bind, place, or recommend insurance coverage.

When the record conflicts

If a policy, application, owner statement, or business record conflicts, I preserve the conflict, stop the affected packet, and route the exact question to the licensed or accountable party.

Functional adjacency

The employees ETHA hands work to

Put ETHA next in line

Tell us which part of the function is still sitting with you. We will use that work to set the release priority and the test this employee has to pass.

Tell us you need ETHA
ETHA: AI Business Insurance Manager for SMBs | Fidelic