v2.0 · design-partner cohort

The operational backbone for modern insurance brokerages.

Bob runs your back office across nine pillars — from the first prospect intake through quote, voice, claim, renewal, and the customer’s own portal, all on a platform of AI agents, document intelligence, a typed fact store, and a hash-chained compliance ledger. Every answer cited. Every write hash-chained. Every tenant row-level isolated.

+34%
lead-to-bind conversion
6.4M
voice minutes handled
74s
median claim → first notice
bob.so/app/inbox
Intelligence hub · Tuesday
Today, Bob is watching 14 things.
updated --:--
Four things deserve your morning. A renewal at Claymore is showing premium-shock churn risk. A claim photo arrived from Lila Banh at 02:14. Two webinar leads are still un-routed. The Whitcombe cover note Bob drafted is ready for your review.
//9 calls · 4 emails · 7 thread updates · cited from 11 sources
Renewals · 30d
$214,800+12.4%
At risk
113 new
Claims open
7−2
Voice today
412 min51%
Used by brokerages from 8 to 240 seats
NORTHBRIDGE
HARBOUR&REID
CLAYMORE
ALTSTONE
MERIDIAN
OAKWELL
Built on Supabase RLS · Cloudflare Edge · SOC 2 Type II in progress
The nine pillars

One product. Nine pillars. A journey, on a platform.

Each pillar is independently auditable. None of them ships unless every read it makes is row-level isolated to your brokerage.

01Acquisition & Quote
1 · INTAKE
Pier 12 Hospitality
/intake · 11m ago
hospitality · 14 staff
Auckland CBD · liquor
previous: AA, lapsed
unroutedscore 84
2 · CARRIER MATCH
Liberty NZ94strong
NZI81strong
Vero62possible
5 rules cited · BDM ready
3 · QUOTE DRAFTED
$14,820 / yr
Liberty NZ · property + liability
Strong hospitality liability match — 6% below market for the cover band.
//cited from 3 carriers

The front door of the brokerage, run by Bob.

Public intake, AI qualification, carrier match, drafted quote, customer self-onboards. The broker only steps in for the human moments.

02Voice Twin
Karo (twin)Tim Webb · Whitcombe Civil
OUTBOUND · POL-2025-08831 · --:--:--
K · twin
"Hi Tim — Karo's voice. Quick check-in about the renewal on your fleet policy."
// call_2025-08-12.mp3 · 14:32
04:11
transcribing live

Your broker's voice, on every overflow call.

Cloned voice, cited from the broker's own past calls. Hands off to a human the moment a quote enters the conversation.

03Claim Vision
img_0412.jpg
PlateABC123
Damagerear bumper
Severitymoderate
Odometer84,210 km
FNOLdrafted · ready

Photo to first notice in seventy seconds.

Multimodal intake. Parses bumper damage, plates, odometer, signs of injury. Auto-files the FNOL on the broker's behalf.

04Renewal Intelligence
CUSTOMERRISK
Te Awa HoldingsApr 1892
Whitcombe CivilApr 2271
Northbridge DemoApr 2934
Cuba & MannersMay 0218

Predict churn before the broker logs in.

Risk-scored renewal pipeline 90 days out. Surfaces premium creep, competitor activity, lapsed engagement, and book-wide gap analysis.

05Customer Portal
N
Northbridge
insurance brokers
HomePoliciesClaimsDocuments
LB
Tuesday · 14 May
Hi Lila. Everything’s in order.
Next renewal
Comprehensive · Auto
POL-2026-04812
healthy
RENEWS
04 Sep
PREMIUM
$84.40/mo
EXCESS
$500
Last message · Karo
“All sorted, Lila. The FNOL went in this morning — Liberty will reach out within 48h.”
11:31 · yesterday
Open claim · CLM-2026-1217
Rear-bumper damage
open · 4 days
Message my broker

The portal your customers actually use.

Co-branded customer surface for every brokerage. Your logo, your accent colour, your name — Bob runs the engine.

06AI Agent Workforce
VOICE INTAKE
Voice Twin · Karo
Handling 2 calls — CUS-7180, CUS-4421
PIPELINE + OUTREACH
Renewal Agent
Drafted 4 renewal pre-empts overnight
FNOL + TRIAGE
Claims Agent
FNOL CLM-2026-1217 awaiting broker sign-off
PAYMENTS + REMINDERS
Billing Agent
Queued: 3 dunning calls for 09:00

Bob isn't one AI. It's a workforce you staff.

Twelve named agents on day one — voice, renewal, claims, billing, compliance, more. Each with its own role, knowledge base, and kill switch.

07Document Intelligence
WORDING · NZ-COMP-1.4.pdf · 84p
§3.2 — The insurer will cover any driver aged 25 or over who, with the named insured’s permission, drives the vehicle described in the schedule, subject to the excess of $500 per claim. Excludes commercial use…
// 2 facts extractedfact:driver-age@v74 · fact:excess@v18

Wording in. Coverage facts out.

Policy wordings, certificates, endorsements parsed into structured facts. Search by coverage instead of by document name.

08Semantic Fact Store
FACT · POL-2026-04812
Coverage: comprehensive · Excess: $500 · Driver: ≥25
SOURCES
call_2026-03-14_lila.mp3
wording_NZ-COMP-1.4.pdf §3.2
fact:driver-age@v74

Every answer Bob gives, with a source.

Knowledge-grade graph of customers, policies, wordings and prior conversations. Citation chip on every assertion.

09Compliance Ledger
AUDIT · #74,238,910● hash chain ok
08:14:02read · customers.tenants[7138]0xa14f
08:14:02prompt · gpt-5 · 2.1k tok0x8e22
08:14:03write · facts.driver_age@v750x40bc
08:14:05cite · wording_NZ-COMP-1.4.pdf0xff19

Row-level RLS. Tamper-evident audit. FMA-aware.

Every read, every write, every prompt — hash-chained. Compliance officers query the ledger directly. No black-box AI.

A day in the brokerage

Tuesday, in the operations room of a 40-broker agency.

08:00Morning brief
INBOX · 14 ITEMSAI-TRIAGED 4 OF 14
Te Awa Holdings · renewal at risk
24 days · $14,200
92
Lila Banh · claim photo arrived
02:14 NZST · img_0412
new
2 webinar leads un-routed
from Tue 16:00 deck
Whitcombe cover note · ready
drafted by Bob 03:08
review

Walk in, and the day is already triaged.

Bob ran the brokerage overnight. Four renewals at risk this week, two claims awaiting photos, $84,200 of premium expected to close today. Each item links back to the underlying customer, the source call, the source email.

11:30Claim intake
Lila Banh · POL-2026-04812
SMS · +64 21 ··· 0418 · 11:31:04
moderaterear bumperplate ABC123
Draft FNOL ready.Single-vehicle, moderate, no apparent injury. Filed under Liberty — Auto / Comprehensive. Awaiting your sign-off.
//Vision · 1.4s · cited img_0412.jpg

A photo arrives. A first notice files itself.

Lila texts a photo of a bumper. Within 74 seconds Bob has lifted the plate, classified the damage, drafted a first notice of loss, and queued it for the broker's sign-off — with every cited frame attached.

16:45Renewal call
Karo (twin)Tim Webb · Whitcombe Civil
OUTBOUND · POL-2025-08831 · --:--:--
K · twin
"Hi Tim — Karo's voice. Quick check-in about the renewal on your fleet policy."
// call_2025-08-12.mp3 · 14:32
04:11
transcribing live

Your voice. Their renewal. Your final word.

The voice twin opens the renewal conversation. The moment premium enters the dialogue, Bob hands the call to the broker mid-sentence. Every word transcribed, cited, retrievable.

The network

Bob handles operational work for fourteen brokerages, all day, every day.

Voice minutes routed today
84,120
FNOLs auto-filed today
412
Renewals saved this quarter
1,847
Doc facts extracted today
22,941
live · counters update every 1.8 seconds · published from the audit ledger
Try it cold

A sample brokerage, seeded with 12 weeks of fictional activity.

No demo call. No sales engineer. Open the sandbox, run a renewal, ask Bob a question, inspect the audit trail.

bob.so/app · sandbox
live
Inbox
Customers
Policies
Claims
Leads
Knowledge
Vault
Inbox · Tuesday
Te Awa Holdings · renewal at risk11m
Lila Banh · claim photo24m
Whitcombe Civil · cover note review2h
Cuba & Manners · webhook 4045h
Bob
Te Awa’s renewal is 24 days out. Premium is up 14% on last year; competitor MAS has been in their inbox.
//cited from 4 sources
Sandbox resets every 24h. Your inputs never train Bob.
Pricing

By the seat. By the voice minute. No surprises.

Brokerages buy on seats and on voice. Both axes are visible on every invoice. Annual contracts get 14% off — ask in the demo.

Starter
$79seat / month
Recommended
Growth
$189seat / month
Enterprise
Talkwith founders
Seats
1–10 seats
10–60 seats
60+ seats
Document vault
10GB
100GB
Unlimited
Support
Email · 24h
Shared Slack · 4h
Dedicated · 1h
Public intake form
Active leads / month
50
500
Unlimited
Carrier match engine
Voice minutes / seat
200 min / seat
800 min / seat
Unlimited
Voice twins
1
4
Unlimited
Claim Vision · FNOL drafting
Renewal intelligence + gap analysis
Co-branded customer portal
Default AI agents
8
12
12 + custom
Custom AI agents
3
Unlimited
Document intelligence (418 carriers)
Semantic fact store
Compliance ledger · RLS
Style memory
Multi-tenant brand theming
SSO · SAML
Dedicated tenant
FMA-aware audit retention
13 months
13 months
7 years

The next twenty insurance brokerages will not be built on spreadsheets.

We’re onboarding ten design-partner brokerages this quarter. If your book is between 1,000 and 12,000 policies, we should talk.

b/
bob
AI-first insurance CRM. Bob runs the operational layer — voice, vision, documents, renewals, claims, compliance — so brokers can do the broking.
© 2026 Bob — AI-first insurance CRMThinkspace · 30 Pollen Street · Grey Lynn · Auckland