Clover
AI insurance coordinator for independent agencies. Handles COIs, claims intake, renewal outreach, policy documentation. Always approval-first.
Clover is an AI insurance coordinator for independent agencies running 1,500 to 3,000 policies. It handles COI requests, claims first-notice intake, renewal outreach, and policy change documentation. Coverage advice stays with the producer; carrier handoffs always escalate.
Capabilities
Your insurance coordinator, in code form.
Clover is built around the work an agency CSR actually does: certificate fulfillment, claims first-notice intake, renewal outreach, policy change documentation. Coverage decisions stay with the producer; the architecture refuses to play one.
COI handling
Inbound certificate requests get parsed, mapped to the right policy and additional insured, drafted, and queued for producer approval. Auto-fulfillment is opt-in per insured per holder.
Claims intake
First notice of loss arrives by email; Clover reads it, extracts the structured fields, drafts the carrier handoff, and pings the producer. Nothing waits in an inbox until Tuesday.
Renewal outreach
Sweeps the book for upcoming policy ends, drafts renewal touches in your firm's voice, and tracks responses. Cross-sell triggers and account-rounding suggestions surface to the producer.
Policy change documentation
Endorsements, audits, and policy changes get documented in the AMS as they happen, with the source email attached. The activity record matches the inbox without anyone retyping it.
Carrier-aware behavior
Clover knows the difference between an admitted carrier and an E&S placement, between a binder and a policy, between a submission and a quote. Coverage advice stays with the producer.
Approval workflow
COI sends, claims handoffs, and renewal touches queue for producer approval. Auto-send is per category. Coverage advice is architecturally refused; carrier handoffs always escalate.
Integrations
Every AMS your agency might use.
Customer-managed OAuth keeps every token scoped to your tenant. Clover reads your AMS, calendar, and inbox without Orbit ever holding shared platform credentials.
Cross-product integrations carry no dot.
How it works
How Clover handles your agency’s queue.
- Step 01
Connect HawkSoft, Indio, or your AMS
Customer-managed OAuth. Clover reads policies, insureds, and activity records without Orbit ever holding shared platform credentials.
- Step 02
Configure routine cadences
Renewal sweeps, COI auto-fulfillment per holder, claims escalation rules, and producer-of-record routing each get their own toggle. Auto-handle only what you trust today.
- Step 03
Clover watches client inbox and drafts responses
Inbound emails get classified (COI request, claim, policy change, renewal touch, general inquiry), drafted, and queued. The activity log writes itself in the AMS as work happens.
- Step 04
You approve COI sends and claims intakes
Click approve from the queue. Clover learns from edits and rejections. Coverage advice and carrier handoffs route to a producer, every time, by design.
Get started
Ready to deploy your agency’s first AI insurance coordinator?
Tell us your AMS, your book size, and what your producers spend nights on. We’ll show you what Clover would handle and what the first month would feel like.
Customer-managed OAuth. Per-tenant tokens. Approval-first by default.