For insurers

Your product, run properly.

Elsewhere operates under delegated authority as your distribution and operations layer. You keep the risk, the licence, the capital, final pricing authority, and every claims decision. We encode your rate book and your rules, sell your product through a modern flow, and hand you a clean monthly record of everything that happened.

How Elsewhere runs

  1. You

    A trip, a question, a claim: it starts with a person.

  2. Ellie, sales (AI)

    Answers from the policy wording and prices nothing herself.

  3. Rating engine

    Pure code and data. Same inputs, same premium, every time.

  4. Versioned rate book

    The insurer's price list, dated and never edited.

  5. Policy bound

    Stored with the exact version and factors that priced it.

  6. Cam, claims (AI)

    Takes first notice and makes your file complete.

  7. Deterministic triage

    The rules give a verdict, citing the clauses that drove it.

  8. The insurer decides

    A licensed person makes every money decision.

  9. Bordereau

    The periodic statement, generated from the same ledger.

What Elsewhere operates

  • 01

    Distribution: the whole buying experience, from first visit to bound policy, in the customer's language.

  • 02

    Service: policy questions answered with the clause cited, changes prepared and confirmed before anything happens.

  • 03

    Claims preparation: first notice at any hour, the document checklist upfront, a complete file to your desk. The decision is always yours.

  • 04

    Monthly premium and claims bordereaux to Lloyd's coverholder conventions, with cancellations as explicit adjustment lines.

The controls, from day one

Deterministic rating: every premium is read from your rate book in force on the travel dates. Same inputs, same premium, every time; no model ever produces a price.

Structural confirmation gates: nothing real happens in a conversation without an explicit, logged customer confirmation.

Output guards on every assistant: concrete figures without a tool call behind them do not reach the customer.

Full reconstruction: any premium ever charged can be re-derived live from what was stored at bind, on demand.

The backtest harness: your closed claims replayed through the rules before a single live claim is touched, disagreements traced clause by clause.

What a pilot looks like

Your rate book and policy wording go in through the ingestion pipeline, versioned from the first day. One market goes live with your product, under your licence, on commission terms we agree together. You watch everything through the same live instruments we use ourselves, and the monthly bordereau reconciles to the minor unit.

Talk to us

One conversation is usually enough to see whether this fits your book.

Write to the founders