Rosella, a US-based AI-native commercial insurance brokerage, has raised US$3.7 million in pre-seed funding led by Peak XV Partners and Intact Private Capital.
The company aims to streamline core insurance workflows and improve service for small and mid-market businesses by automating operational tasks while keeping brokers focused on client relationships, risk assessment, and sales.
The US commercial insurance brokerage market, valued at US$215 billion, remains complex.
Many processes, including submissions, policy comparison, and servicing, rely on manual effort across fragmented systems, slowing response times and creating uneven service across clients.
Rosella targets three main challenges: repetitive submissions across multiple carriers, the complexity of commercial policies, and variable service levels by account size.
Risk complexity is also rising.
Nuclear verdicts exceeded US$31 billion in 2024, and the excess and surplus market has expanded as standard carriers retreat from higher-risk categories.
“Software as a product is stalling. Services are booming,”
said Sean Stuart, co-founder.
“The next US$100 billion company will not sell software licenses. It will sell a service powered by software, built specifically for the people doing the work.”
Rosella’s platform includes AI document intelligence to compare policies and flag coverage gaps, a multi-portal submission agent that automates submissions across over 100 carrier portals, and AI-assisted phone support for live calls.
Certificates of insurance that once took 30 minutes can now be generated in under two minutes.
“The holy grail is not chatbots,”
Stuart said.
“It is browser agents that can navigate a hundred carrier portals, each one different, each one changing daily.”
Featured image credit: Edited by Fintech News Switzerland, based on image by siegostuan via Freepik
