US-based insurtech company Covu has launched Covu OS, an AI-native system aimed at restructuring insurance distribution through task-based execution.
The platform is designed as a reconfiguration of operational workflows rather than an additional AI layer applied to existing systems.
Go deeper with GlobalData
Access deeper industry intelligence
Experience unmatched clarity with a single platform that combines unique data, AI, and human expertise.
It forms the foundation of Covu’s broader operating stack, replacing conventional service processes with a task-oriented orchestration framework.
Covu OS converts incoming service requests into defined tasks, which are then directed to suitable execution channels including AI tools, licensed agents or offshore teams.
The routing is determined by factors such as cost, regulatory requirements and task complexity.
The system incorporates policy and carrier data, allowing each task to be structured with clear inputs and outputs and managed through a centralised control layer.
According to the company, the platform targets inefficiencies common in insurance operations.
Covu said it is targeting long-standing operational constraints in the sector, noting that independent agencies often commit 50–70% of resources to service activity while operating at 20–25% earnings before interest, taxes, depreciation and amortisation.
It added that a mid-sized agency with 10,000 policies can process as many as 100,000 service transactions a year, frequently through manual methods such as email and disjointed workflows that are not set up for measurement or optimisation.
Covu OS operates within a wider ecosystem that includes VERO, Connect, Service Engine, Markets and Capital, serving as the core layer coordinating these components.
It provides “real-time visibility” into operational performance, including metrics such as cost per task, escalation rates, resolution time, rework levels, routing efficiency and workload allocation.
Covu founder and CEO Ali Safavi said: “Insurance agencies have been trying to modernise for more than 20 years. The missing piece was never smarter software or better AI. It was an operating layer that actually runs the work. Covu OS is that layer.
“It takes every service request, breaks it into structured tasks, routes each one to the right execution layer and learns from every outcome. The result isn’t incremental efficiency, it is a fundamentally different cost structure and a fundamentally better operation.”
