Clover, by Orbit
An AI insurance coordinator that handles the work that fills your CSR’s day.
Clover handles certificate of insurance requests in seconds, drafts renewal outreach in your producer’s voice, intakes claims first notices around the clock, and refuses the work that crosses the licensing boundary. Built for independent agencies running 1,500 to 3,000 policies on HawkSoft.
30 minute demo on a real HawkSoft book. We show you Clover handling COI requests, drafting renewals, intaking a claim, and refusing the things it should refuse.
The COI problem
Your CSR spends 4 hours a day on certificates. Clover does it in seconds.
A 1,500-policy commercial book generates 10 to 30 certificate of insurance requests every weekday. Each one currently requires a CSR to read the request, find the right policy in HawkSoft, populate the ACORD form, double-check the additional insured language, and send the certificate. Ten to fifteen minutes per request, every time.
Multiply across a year. That is 750 to 2,500 hours of CSR labor consumed by what is, fundamentally, a data lookup task. It is the largest non-revenue, non-billable block of time at a typical small commercial agency. And it is the task most likely to produce a transcription error that becomes an E&O claim.
Clover reads the request, identifies the policy in HawkSoft, populates the ACORD 25 or 28 with the correct data, and queues it for one-click producer approval. The COI volume alone justifies Clover’s monthly retainer before any other capability is counted.
What Clover does
Four jobs. Built for the rhythm of an independent agency.
Clover handles the high-volume, repetitive work that consumes CSR hours. It stays firmly out of anything that requires a license.
Certificate of insurance handling
Reads inbound COI requests. Identifies the certificate holder, additional insured, and any special endorsement language. Populates the ACORD 25 or 28 from policy data in HawkSoft. Queues for one-click producer approval. Logs every certificate issued on the client record.
Client communication
Reads incoming client emails and texts. Drafts personalized responses in the producer's voice. Auto-answers routine FAQ questions (billing, ID cards, coverage confirmations) from the agency's approved library. Acknowledges every after-hours message within minutes.
Renewal outreach pipeline
Reads policy renewal dates from HawkSoft daily. Drafts warm 60 to 90 day touchpoint messages in the producer's voice. Tracks who has responded and who has not. Surfaces at-risk accounts early enough to make a personal call before the renewal date.
Claims first notice intake
Acknowledges claim reports immediately, around the clock. Asks structured intake questions (date of loss, location, injuries, police report number, business interruption). Organizes the responses for producer review. Emergency situations escalate immediately, no draft created.
Plus an open chat for everything else. “Find every COI request from Henderson Contractors this year.” “Pull all commercial renewals in the next 30 days.” “Draft a follow-up for Apex Construction.”
A day with Clover
What it actually looks like.
- Tuesday, 6:47 AM
Before the office opens
Clover has read the seven COI requests that arrived overnight from contractors needing certificates for tomorrow's projects. Six are routine and have ACORD 25 forms drafted, ready for your one-click approval. One has an additional insured request with unfamiliar wording. Clover surfaced it for you to review the language before approving. By 6:55 AM the six routine certificates are out the door.
- Tuesday, 11:23 AM
A claim comes in
A commercial client texts that one of their work vans was rear-ended on the way to a job site. No injuries, but the van is undriveable. Clover acknowledges the message within 90 seconds, asks the structured intake questions (date and time of loss, location, other party information, police report number, photos), and produces a clean intake summary by the time you finish your meeting at 11:30. You review, approve, and the claim goes to the carrier within the hour.
- Tuesday, 4:15 PM
End of day
Three renewal touchpoints went out today on the 60 day cycle, each in your voice. Two clients have already responded. One client from last week's renewal outreach has not responded after seven days. Clover surfaced them on the daily briefing this morning so you flagged the account for a personal call tomorrow. The week's full activity log, including every COI issued, is one click away.
Built for agencies who take licensing seriously
The architecture is the defense.
Selling, soliciting, or negotiating insurance without a license is a regulated act in every state. E&O claims arising from coverage advice are the single largest category of agency liability. Clover is built so the protection is in the product, not in the disclaimer.
Scope escalation, hard-coded.
When a client asks about coverage adequacy, requests a quote, asks for a carrier recommendation, or asks any question that requires a licensed answer, Clover immediately stops. No draft is generated. The producer is notified with the full message and context. This behavior cannot be disabled by agency configuration.
Every COI requires producer approval.
Certificates of insurance are legal documents. Clover never auto-sends them, regardless of the agency's other auto-send settings. Every certificate is reviewed by the producer before it leaves the agency. The 'always requires approval' rule is non-negotiable, and it is a selling point, not a limitation.
Clover never submits to carriers.
Policy change requests, applications, endorsements: Clover collects the information, organizes it, and produces a clean package for producer review. The producer submits to the carrier. Clover does not have credentials to carrier portals, and never will.
Coverage interpretation stays human.
Clover never tells a client whether their coverage is adequate, what their policy covers in a specific scenario, or what they should do at a claim. Those judgments belong to the licensed producer. Clover surfaces the question and waits.
Pricing
Less than a part-time CSR. Available around the clock. Scales with your book.
A full-time licensed CSR runs 5,000 to 7,000 dollars per month fully loaded. A part-time CSR at twenty hours per week runs 2,200 to 3,000. Clover is priced as a part-time CSR that works around the clock, never quits, scales automatically with your book, and gets sharper over time as it learns each producer’s voice.
Setup is a one time fee that covers integrating Clover into your stack (HawkSoft, Gmail or Outlook, Google Drive), tuning Clover to your producers’ voices and your agency’s FAQ library, and onboarding everyone on your team. The monthly retainer covers everything else: hosting, all model API costs, support, ongoing optimization, and continuous improvement.
We walk through the specific numbers for your agency on the demo call. For most commercial-heavy agencies, the COI handling alone justifies the retainer.
Frequently asked
What agencies ask before signing on.
Get started
See Clover working on a real HawkSoft book.
30 minutes. We show you Clover handling real COI requests, drafting client responses, intaking a claim, surfacing renewals, and refusing the things it should refuse. If it is not for you, we will know in fifteen minutes and so will you.
Owner-operators and principals of 2 to 5 person independent insurance agencies in the United States. Currently on HawkSoft, with EZLynx and NowCerts coming.