COVU
www.covu.com Book a Call →

The Operating Stack for P&C Agencies.

A stack that gives you visibility and control over your largest cost center, the foundation to actually use AI, and on-demand support for any service request. Without replacing your AMS.

Book a Live Demo → See How It Works
Built for Owners & Principals Ops & Service Leaders Finance
Operating Record

Years of running real agencies.

50+
Agencies operated
$200M+
Premium managed
8
AMS integrations
50
States licensed
How It Works

Capabilities that run the work.

You have a CRM for sales. You have never had one for service. This is that system, whatever size your agency is today.

Explore →
01 · Inbound Pipeline

Every request, triaged, structured, and routed.

Before it hits your team's queue.

Inbound
@Email
☎Phone
IIVANS
⊞Forms
V
VERO AI triages
Routed
VERO AIauto
Licensedreview
Networkservicing
Customer Managerhigh-value
/// Inbound Pipeline · End-to-end

Inbound never lands on the queue as raw work.

Every email, call, IVANS message, and form gets read, classified, structured into a typed task with SLA and dependencies, and routed to the cheapest qualified actor with the right license and skill. Your team only sees tasks that need them.

/// Auto-closed
70%+

of agency inbound is spam or out-of-scope. Triage classifies, structures the reason for closure, and logs it. Your team's queue stays focused on customer work.

/// Example · One inbound, end-to-end

A COI request, in seconds.

17:52 · Email from Acme Industrial classified as COI request, urgency: today.

17:52 · Task SVC-65008 created with type, SLA (4h), and policy reference.

17:53 · Routed to VERO for draft prep, then Jamie K. (Licensed CSR) for review.

/// Channels triaged

One pipeline, every channel.

  • Email · O365 / Gmail
  • Phone · AI telephony
  • IVANS · carrier feeds
  • Carrier portals
  • AMS · 8 systems live
Explore →
02 · Operational Visibility

See every task. Every agent.

Queue depth, per-agent activity, bottlenecks. Live.

Maria G.
CALLS · 3h 12m EMAIL · 1h 50m AMS ·
Jamie K.
CALLS · 2h 24m RENEWAL · 2h 16m COI ·
Devon P.
CALLS EMAIL ENDORSEMENT · 2h IDLE · 1h 36m
Calls Email / Renewal AMS / Other Idle
/// Where the day actually went

AMS shows tickets "in progress." COVU shows where the time went.

A first-month finding on every deployment. Detailed time tracking per agent and transaction. The system uses this to balance load, find bottlenecks, and reassign work in real time.

/// Peak concurrent
38/54

Logged-in agents at peak hour. 22 idle, on AMS-only, or unavailable. Surfaced live, not in next quarter's report.

/// Bottleneck heatmap

Find the choke points, by hour and by lane.

Live density of stuck tasks by hour and workflow stage. Surfaces bottlenecks before they hit SLA.

  • Unassigned routing · 1,247 stuck
  • SLA-at-risk triage · 2,890 stuck
  • Endorsements review · 412 stuck
  • Renewal outreach · 1,824 stuck
/// Agent profiles

Every agent rated for the work.

The system knows what each agent can handle: AI, licensed, unlicensed, external. Routing decisions are made against the live profile.

V
VERO AI
COI Appetite Renewal prep
412/h Throughput
62% load
MG
Maria G. Licensed CSR
Carrier sub Endorsements Bind
38 Today
91% load
DK
Devon K. Unlicensed
Doc collect Data fixes App prep
24 Today
48% load
Explore →
03 · One Record

One account. Every channel.

Customer data across every channel, consolidated into one interface.

@Email
☎Phone
IIVANS
AAMS
→
One Account Acme Industrial All channels resolved Audit-logged
/// One stream · resolved

Same customer. One record.

Identity resolved. The same customer does not show up five different ways across your stack. Phone transcripts, email triage, AMS edits, AI actions, all logged against the same account.

/// AMS integrations
8

Applied Epic, AMS360, NowCerts, Sagitta, QQCatalyst, EZLynx, and more. Book data in the AMS. Work data on COVU. No rip-and-replace.

/// One audit log

All channels. One log.

Phone transcripts, email triage, AMS edits, AI actions. Actor, timestamp, reason on every line. Regulator-survivable, every state, every line.

Explore →
04 · VERO · AI across the stack

AI that plays by the same rules as your staff.

Embedded in Connect, in OS, and across the Service Network. License-gated, audit-logged.

V
VEROAI Operations Advisor
Live
Why was Acme escalated this morning?
Carrier appetite check at confidence 0.62. Ambiguous class code on prior policy. Routed to Maria G., senior CSR.
/// VERO · same task, different clock

VERO compresses prep work to seconds.

COI drafting · CSR 8 min → VERO 12 sec · 40× faster

Loss-run pull · CSR 5 min → VERO 8 sec · 38× faster

Carrier appetite (4 carriers) · CSR 12 min → VERO 45 sec · 16× faster

/// Authority matrix

Plays by the same rules.

  • License-gated on every action
  • Confidence-thresholded
  • Audit-logged with reason
  • Escalates on ambiguity
/// Ask VERO · live

Floor questions, answered in seconds.

Escalation context, workflow drill-downs, what's blocking a renewal. VERO answers from the live queue, not a model trained six months ago on someone else's data.

Explore →
05 · SOPs Enforced

SOPs become visible, enforceable, controllable.

Set the rule once. Enforced on every account.

1Loss runs requestedDone
2Carrier appetite checkDone
3Application preparedNow
4Carrier submissionLocked
5Bind & sign-offLocked
/// SOPs as code

The procedure runs the CSR, not the other way around.

Each step lives in the queue with its own type, SLA, dependencies, and required actor license. Step 4 won't open until step 3 is closed with the right evidence. No memory-by-tribal-knowledge. No skipped steps.

/// Set the rule once

Every account.

Push a procedure change at the portfolio level. Every entity's queue updates. No multi-quarter rollout. No per-office training cycle.

/// What the queue enforces
  • Required license to take a step
  • SLA on every task with auto-escalation
  • Dependencies between steps
  • Evidence to close (document, transcript, audit note)
  • Reason logged on every action by every actor

Outsource any service. Pay per service.

Stop putting top-value people on tasks they shouldn't be doing. Send specific services to COVU's Service Network (licensed and unlicensed operators) through the same queue. You're charged per service transaction, no headcount commitment.

Talk to Us →
APPLIED Agle Freight LLC · Policies
New Service Request Draft
COI request ▾
Acme Industrial
HSS-9300071164 · Business Auto
Need COI listing client as additional insured by EOD.
AMS Integrations Live
Applied Epic AMS360 EZLynx NowCerts Sagitta QQCatalyst + 2 more
The COVU Stack

Four modules. One operating stack.

Connect, OS, and the Service Network, plus VERO woven across all three.

01Data plane

Connect

Consolidates your book across AMSs. Cleans up data after acquisitions. Identity resolution and one trusted record feeding everything else. 8 AMS integrations live.

02Control plane

OS

Decomposes service work into tasks. Routes by license and skill. Measures cost, time, and quality on every action. Sits above your AMS, not in place of it.

03Supply layer

Service Network

COVU's network of operators, licensed and unlicensed humans, AI agents, and partner capacity, that embeds with your team. Your staff is the default; the Network is additional capacity, routed through OS.

★Across all three

VERO

The AI brand we use across the stack. License-gated, confidence-thresholded, audit-logged on every action. Not a separate product. It's how AI shows up across Connect, OS, and the Service Network.

Embedded in Connect Embedded in OS Available in the Service Network
For Finance · Cost of Service

Know the cost of every task.

Service is your largest cost line. COVU prices every task on the floor and surfaces what is burning margin. Figures shown below are illustrative.

Every action priced.

Blended cost per service across the agency, tracked over time. Trending down as VERO absorbs routine work.

$2.60 from $4.20 ↓ 38% · 12 mo
12 months agoToday

See the work that's burning margin.

Surface what to fix first. Re-route, re-skill, or send to VERO.

Carrier appetite checks $8.40
Endorsement processing $6.20
Renewal application prep $4.90
COI generation $2.10
Status-chase emails $1.65

See which clients are profitable.

Service cost per client, side-by-side with revenue. Decide what to keep, fix, or fire.

Acme Industrial$48k rev+34%
Bayfield Holdings$72k rev+28%
Northstar Logistics$31k rev+6%
Hartman Group$18k rev-12%
Coastal Builders$22k rev-19%
Scaling or Acquiring? · Multi-Entity Operators

One operating stack. Every entity in the portfolio.

Running multiple offices or integrating acquisitions? COVU runs every entity on the same playbook, the same queue, and the same audit. If you are a single agency, feel free to skip ahead.

1

Integration velocity, weeks not quarters.

Acquired books adopt the playbook, the queue, the audit, and the AI controls, in weeks rather than quarters.

2

Push a procedure change once.

Every entity's queue updates. No multi-quarter rollout, no per-office training cycle, no waiting for compliance approvals to propagate.

3

One audit log. Whole portfolio.

Actor, timestamp, reason on every action, across every entity. Regulator-survivable, every state, every line.

4

AMS stays the system of record.

Book data in the AMS. Work data on COVU. No rip-and-replace, no migration risk. 8 AMS integrations live across the portfolio.

Portfolio · Adoption
SOP · AMS · AUDIT
Entity ANW region · est. 2018
SOP AMS AUD
Entity BAcquired 2025 Q2
SOP AMS AUD
Entity CAcquired 2026 Q1
SOP AMS AUD
Entity DIn onboarding · week 3
SOP AMS AUD
Get Started

Book a demo. See it live.

See the operating stack run on real workflows. We'll walk you through how the pipeline triages, structures, and routes work, and what your team's queue looks like with COVU in it.

Book a Live Demo → See the Five Mechanisms
FAQ · What Operators Ask

The questions every operator asks.

Will this replace our AMS?+
No. We sit alongside it. Book data stays in your AMS. Work data lives on COVU. Your AMS stays the system of record. 8 AMS integrations live, including AMS360 and Applied Epic.
What about our existing VAs and outsourcers?+
They plug into the same queue alongside your in-house staff, VERO, and COVU's Service Network. The system routes work to them the same way, tracks throughput, quality, and SLA per task. Existing contracts honored, and now you can actually compare provider quality on real numbers.
What does VERO actually do today?+
VERO is the AI woven inside the operating stack. It handles structured lookups, prep work, application drafting, and routine task execution that the authority matrix allows. License-gated, confidence-thresholded, audit-logged on every action.
How is this not another AI bolt-on that fades?+
Most AI products sit next to your AMS and try to act on unstructured email and notes. They plateau because there's no foundation underneath. VERO is one of several workers inside a structured operating stack: every task is typed, every action is license-gated, confidence-thresholded, and audit-logged. When the underlying model gets better, the whole stack absorbs the upgrade. You don't buy another tool.
Can I just pilot one workflow?+
Yes. That's the default. Pick one workflow at one entity. We measure your current performance up front, run the pilot live for 4 to 8 weeks, and review the before / after results with your team at the end.
What kind of customer outcome can you point to?+
S&G Mitchell: same book, same customers. EBITDA went from 17.9% to over 60% in 12 months. The operating model changed. The book did not.