India's first AI-native insurance broker
The AI platform that runs
insurance broking end to end.
NitiCover turns risk intake, insurer submissions, matching and coverage comparison into one explainable workflow — autonomous where possible, validated by humans where it matters.
Built for brokers and insurers. Individuals: join the waitlist →
Why us
Autonomous where possible. Human where it matters.
The problem
Broking still runs on email, spreadsheets and memory.
Every placement is rebuilt from scratch. Data is unstructured, recommendations are opaque, and renewals leak because nobody has the full history in one place. NitiCover turns that work into one structured, explainable workflow.
The platform
What the AI actually does
Six workflow capabilities, each with a defined human checkpoint before anything binds.
Risk profiling
Extracts and structures business risk from documents and conversations; flags exposures and gaps.
Submission automation
Generates insurer-ready submission dossiers in each insurer's preferred format.
Insurer matching
Maps risk characteristics to suitable insurer and product options.
Coverage analysis
Compares limits, deductibles, exclusions and clauses side by side across quotes.
Workflow agents
Follow-ups, document collection, reminders, status tracking and escalations — handled automatically.
Human validation
Authorised personnel review defined decision points before anything binds. Always.
How we're different
The old way vs. the NitiCover way
Manual broking
- Submissions: Hours per placement spent re-keying client data into insurer-specific formats
- Recommendations: Clients and regulators ask "why this policy?" — and the answer lives in someone's inbox
- Renewals & follow-ups: Follow-ups, document chasing and renewals depend on individual diligence, not a system
- Audit trail: Every placement rebuilt from scratch, with nobody holding the full history in one place
- Accountability: Unstructured data and opaque decisions that are hard to defend
NitiCover
- Submissions: Insurer-ready dossiers generated in each insurer's preferred format, kept in sync as details change
- Recommendations: Every recommendation carries its reasoning, with clause-level comparison of limits, deductibles and exclusions
- Renewals & follow-ups: Workflow agents handle follow-ups, document collection, reminders, renewal alerts and escalations
- Audit trail: Complete decision history — who, what, when, why, source data, modification and approval
- Accountability: Authorised personnel validate defined decision points before anything binds
Explainable by design
Every recommendation carries its reasoning.
From client requirement to final placement, every step is recorded — who, what, when, why, source data, modification and approval — so any question from a client, an insurer or a regulator has an answer.
- 1Client requirement
- 2Risk factors
- 3Coverage requirement
- 4Insurer options & quotations
- 5Coverage / exclusion comparison
- 6Recommendation
- 7Human validation
- 8Final placement
Investors & partners
We're building the workflow layer for Indian insurance.
See a placement run on NitiCover.
A 30-minute walkthrough with a founder, using a risk from your own book.
yash.sarang@niticover.com · +91 99305 07114