The AI back office for commercial insurance agencies
Kova is the platform your agency runs in place of a traditional AMS. It takes on the back-office busywork — with a human in the loop at every decision — so your account managers spend their days on clients, not administration.
Invite-only. We onboard every agency hands-on.
Pre-renewal audit ready · awaiting your approval to market
ACORD 25 drafted · awaiting your OK to send
Mapped from an email · 2 fields to verify
ACORD 125/126 prepared for Travelers and Zurich
What Kova does
Paste an email or drop a document — Kova maps it to a structured record and you verify before anything is saved. No bulk migration, no re-keying.
Describe a back-office process in plain language — "send renewal letters 90 days out" — and Kova turns it into a deterministic, repeatable automation.
Every renewal followed from pre-renewal audit through bind, so nothing slips and no deadline is missed.
COI requests and ACORD forms pre-filled from your book and generated in seconds — not hours of form-filling.
Clients, policies, submissions, and documents live in Kova — the back office your team works in day to day.
The agent does the work; your team approves at every decision that matters. You are always in control.
How it works
Kova is invite-only. We onboard each agency hands-on so it fits how your team actually works.
No forced bulk migration. Data enters Kova as you touch it — a new client, a renewal, a certificate — and gets structured for reuse.
Automations handle the busywork and prepare the work; your team reviews and approves at each checkpoint.
Account managers stop pushing paper and spend their time winning and retaining business.
Why Kova
AI agents with full context — your client history, carriers, and past decisions inform every action
Deterministic tools for execution — lookups, ACORD generation, and accounting run without AI guesswork
Human-in-the-loop at every decision — the agent works, you approve
Run Kova in place of your AMS — clients, policies, submissions, and documents in one system
We’re onboarding a first group of agencies hands-on. Tell us about your brokerage and we’ll reach out.
Request early access