Liberate

Liberate builds insurance-native reasoning AI agents for property and casualty carriers, MGAs, and large broker groups across sales, servicing, and claims. Its voice AI assistant Nicole handles inbound and outbound calls to sell policies and answer service requests, while a network of reasoning-based agents connects to the insurer's existing systems, gathers context, and generates the responses Nicole delivers, all without human intervention. Rather than answering questions or routing tickets, the agents complete end-to-end workflows: quoting policies, processing claims, servicing policyholders, and updating endorsements, with a specialty in FNOL (first notice of loss) intake across voice, chat, email, SMS, and WhatsApp in any language, 24/7. An internal tool called Supervisor monitors every agent-customer interaction, flags anomalies or off-track responses, and escalates to a human, a control the company credits to the focus of serving one industry and only three use cases. Deployment is consulting-heavy: discovery workshops, custom flows, and integrations over several weeks (Branch's first homeowners FNOL phase went live in eight weeks). Vendor and press reported outcomes include hurricane claim response time dropping from 30 hours to 30 seconds and 75% of a customer's digital FNOL implementation handled with little client involvement. $50M at a $300M valuation; SOC 2 and GDPR compliance per sales collateral.