About actually.insure
actually.insure is an AI-native commercial insurance platform for US small businesses. It never stops watching the business, and it moves at machine speed when something needs to change.
Keep every small business covered as it changes, not just on the day the policy was bound.
No small business should find out what it isn't covered for after a claim.
The problem we work on
Small businesses change every month. Their coverage doesn't, so gaps open quietly. The work that would catch them is manual, and no one has the time to watch.
The uninsured gap
A bar, a second site, new hires. The faster a business changes, the faster gaps open between what it does and what its policies cover.
The manual work
Questionnaires, email threads, re-typed forms and chased signatures. When every step depends on a person, small accounts get a renewal letter once a year.
One causes the other
The gap isn't negligence. It's what happens when the work is manual, so that is the part we replace.
What actually.insure does
A living risk graph
One map of what your business owns, who it employs, where it operates and what could go wrong, built from public records and the systems you choose to connect, and kept current every day.
A team of AI agents
Specialist agents, each owning one job: intake, coverage review, quotes, policy checks, certificates, renewals and claims. One central brain coordinates them.
A free gap audit to start
We compare how your business runs today with what your policies cover and show you the gaps, low limits and exclusions in plain language.
What makes actually.insure different
It watches between renewals
A new permit, a liquor license, another truck or a jump in payroll shows up in the risk graph when it happens, not twelve months later.
It starts from your business, not a form
We learn how you really operate before reading your policies, so you answer fewer questions and less gets missed.
Minutes, not weeks
Agents read policies, fill insurer forms and compare quotes side by side, including the exclusions and not just the price.
It gets sharper with every client
What we learn across businesses like yours, such as which signals come before a claim, flows back into your risk graph.
Licensed brokers place the coverage
When coverage needs to be bought or changed, an independent licensed broker does it. They're paid the standard commission by the insurer, and we tell you that before you decide.
Who uses actually.insure
✓✓✓✓Other US small businesses
whose exposures change faster than their policies
How actually.insure works
Getting started
Enter your work email and business name. We build your risk graph from public sources, then ask a few quick questions and collect your policies.
What you get
A gap audit that shows what's covered, what's missing and what's set too low. If you want the gaps closed, a licensed partner broker places the coverage.
How we stay in touch
By email. After you sign up, we reply within a few days with what we need from you.
