AI exposure diagnostic
The gaps you can’t see. Covered.
We know your business — now, and as it changes.
We know your insurance policies.
We spot the gaps before there’s a claim that won’t pay out.
You decide whether to fill them.
Founders
Built by insurance people.
50+ years’ combined insurance, MGA and distribution experience.
Leads commercial strategy, proposition and partners. An insurance entrepreneur with deep MGA formation and distribution experience — works AI-natively and has built AI-led onboarding, claims and gap-analysis systems end to end.
Leads operations, finance and delivery. Deep experience across insurance operations, product development and distribution — turning clause-level policy analysis into protection options SMEs can act on.
Enquire
Speak to Robo-Insure.
A direct route for gap-scan, pilot, capacity, distribution and investor conversations.
Step 2 · Connect
Connect what you already have.
Robo-Insure AI reads, never changes.
Read-only. Nothing changes. Switch off any time.
Your policies
Your business systems
Add your own system
Internal tools, industry software — anything.
Step 4 · Your gap heat map
Your gap heat map
The score reflects how much of your AI activity your policies actually respond to. Two things are ruled out altogether, and three your policies simply don’t mention.
Tap any state to see the scenario, the clause behind it and the fix.
Step 4 · Action pack
What to do next
Six things to do, in order. The first three matter before your 14 January 2026 renewal.
Always on
The scan isn’t a one-off. Once you’re set up, Robo-Insure AI keeps watching your systems and your payroll, and tells you when something changes — a new gap to close, or a saving to claim.
Regulated distribution follows in Phase 2
Today the scanner flags and evidences. Placing cover is Phase 2: introductions to regulated specialists, so advice stays with authorised firms. Until then, take this pack to your own broker — every finding cites the clause it came from.
Architecture
How it connects
Three layers: what we read, what we do with it, and what you get back — then round again. Nothing is ever written back into your systems.
Sources — read-only
- Policy documents Schedules, wordings and endorsements, uploaded by you or your broker.
- Microsoft 365 / Google Workspace Which AI tools and copilots are actually in daily use, and on how many seats.
- Website scan Customer-facing chat and AI widgets running on your public pages.
- Accounting (Xero / QuickBooks) Software subscriptions that reveal the rest of the AI stack.
- Payroll & HR (Sage / BrightHR) Headcount, roles and wage roll, so cover that is priced on people matches reality.
- Companies House Registered profile, SIC code and employee count.
Robo-Insure AI scan engine
- Wording parser Reads each policy into clauses, definitions, endorsements and sublimits.
- Exclusion library Tracks market exclusion forms as they change, including the Jan 2026 autonomous-systems wordings.
- AI-footprint mapper Turns signals from your systems into a list of AI activities with context: customer-facing, human-reviewed, decision-making.
- Gap engine Maps every activity against every policy class and labels it covered, partial, silent or excluded.
- Rating monitor Watches headcount and wage roll against how your premiums are rated, and flags when you are paying for a business you no longer are.
Outputs
- Gap heat map Activity by policy class, with the clause behind every finding.
- Action pack Prioritised steps and the exact questions to put to your broker.
- Savings found Where premiums are rated on out-of-date headcount or wage roll, with the figure to take to your broker.
- Continuous monitoring Gap alerts and premium savings as things change, plus a re-scan before every renewal.
Worked example · Professional Indemnity
£2m of PI cover. £0 for anything the AI touched.
One company, one policy, one clause — start to finish. How the scan found a professional indemnity gap that was already there, what the client received, and how it was fixed.
Why now
Air Canada argued its chatbot was “a separate legal entity responsible for its own actions”. The tribunal disagreed — the airline was liable for what its bot said.
Your policy was written before your business started using AI.
The company
What changed since renewal
The discovery
The business changed. The policy didn’t.
The heat map, professional indemnity only
Same rows and same states as the live scanner. Tap any state to see the scenario, the clause behind it and the fix.
The scenario that makes it real
What the client receives
Filling the gap
The outcome
What the business got out of it
Run this scan on your business
About ten minutes, read-only, and you get the same two documents at the end.