About the role
About Cozmo
The US P&C industry pays $650 billion in claims a year and loses $120 billion of it to fraud. Most of that fraud happens at the property in the first hours after a loss, while a contractor is on site and before the carrier knows a claim exists.
Cozmo's AI lives on the contractor's phone. When a homeowner calls after a loss, Cozmo handles the intake, logs the job and dispatches the team. When the crew photographs the damage on site, the AI generates a line-item repair estimate from the photos and files the claim directly with the carrier, all within hours. The carrier receives a complete, timestamped, AI-verified record before an adjuster is scheduled and before fraud has been embedded in the estimate. That record has never existed in this industry.
The $46 billion TPA market is currently attacked one way: from the carrier down. Companies ask for a book of claims to manage, build adjuster networks and grind through licensing. Cozmo builds in the opposite direction. We start at the contractor. By the time we enter a carrier conversation, we already hold the verified loss record for every claim in our network. The TPA's core function has been performed in real time by AI, before the carrier opened a file.
We're backed by Y Combinator, with 1 million+ calls in production, Allianz as an early insurance partner, additional insurers live in multiple markets, and two of the top five US restoration franchises onboarding now. Five years from now, every pricing model in P&C runs on data from the contractor's phone. Cozmo is the only company building that dataset at the source.
Right now our pipeline runs on founder sweat. We want it to run on agents.
You'll build the systems that do the top-of-funnel work a sales team usually grinds through by hand: finding the right accounts, enriching them, writing outbound that doesn't read like a template, routing inbound, scoring leads and surfacing the five accounts worth a call today. Anthropic has a role shaped exactly like this. We want our version, owned end to end by one person who can both ship the code and read the deal.
