What Liberate Innovations does

Liberate Innovations Inc. is a Palo Alto, California-based SaaS company that builds insurance-native AI agents and workflow automation for the US property-and-casualty insurance industry. Founded in 2023, the company sells a low-code cloud platform branded as the "System of Action for Insurance" that automates end-to-end sales, servicing, and claims workflows across voice, email, SMS, and digital channels. Core AI modules include Liberate Voice AI (conversational agents resolving roughly 80% of incoming calls without human transfer, with 1-second speed-to-answer and support for English, French, Spanish plus 100+ languages), Liberate Email AI and Liberate SMS AI, Liberate Digital FNOL/Digital Intake, the Operator AI multilingual FNOL agent, and a Generative AI multilingual FNOL plugin built on a proprietary insurance domain model layered with OpenAI. The platform integrates with carriers' policy administration systems, claims management systems, rating engines, and CRMs via pre-built connectors to Snapsheet, Zywave/TurboRater, Insuresoft Diamond, HawkSoft, Eberl Claims Service, Covenir, and Vanguard Claims Administration, and is certified for SOC 2, HIPAA, PCI DSS, GDPR, and CCPA.

Liberate generates revenue through SaaS subscriptions sold on a quote-based annual contract to P&C carriers, agencies, brokers, MGAs, and TPAs, supplemented by implementation and integration services that customize AI scripts and tune agents to each carrier's core systems and brand guidelines; pricing is not publicly disclosed and is accessed via a "Request a demo" funnel. Its primary customer segments are P&C insurance carriers and US agencies/brokers (Main Street to Top 100), with secondary segments in MGAs/TPAs and non-standard auto providers. The company has raised approximately $72 million across a $7M seed (Eclipse, Jan 2023), a $15M round (Redpoint, May 2024), and a $50M Series B (Battery Ventures-led, Oct 2025), and had 51-100 employees as of the latest disclosure. Distribution combines direct enterprise sales, a dedicated agency/broker sales motion led by a newly appointed SVP of Sales, and channel partnerships that extend reach into 15,000+ downstream firms via Zywave and 160+ via Snapsheet; by March 2026, the company reported more than $100 billion in premium volume processed through its platform.

Name

Liberate Innovations

Legal name

Liberate Innovations, Inc.

Website

https://liberateinc.com

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

101–250 employees

Short description

Liberate Innovations is a Palo Alto-based SaaS company that builds insurance-native AI agents and low-code workflow automation for US P&C carriers, agencies, brokers, and MGAs, automating voice, email, SMS, and digital FNOL across the sales, servicing, and claims lifecycle.

Ownership category

akta.pro rank

Product category

Insurtech / Insurance AI Software

NAICS

Software Publishers (5132), Computer Systems Design Services (541512)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Document, Workflow & Policy Servicing Automation (RPA/No-Code) (FSAGAGAK)

akta.pro secondary industry

Customer Engagement, CRM & Agent/Broker Enablement Platforms (FSAGAGAD)

Keywords

• Insurance AI platform
• Claims automation software
• P&C insurance software
• Voice AI agents
• Underwriting workflow automation

Headquarters

HQ city

San Francisco

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. SaaS Subscriptions: SaaS platform offered as a subscription to P&C insurers, agencies, brokers, and MGAs. Pricing is processed through a third-party payment system with fees exclusive of taxes and billed in U.S. dollars. Terms of Service permit either party to terminate at any time, indicating a recurring revenue model.
2. Implementation & Integration Services: Deployment services that customize scripts, integrate with carrier-specific policy administration and claims management systems, and tune AI agents to brand guidelines. Deployments typically occur in weeks with almost no integration overhead, suggesting professional services revenue alongside subscriptions.

Pricing tiers

Go-to-market motion4 records

Distribution channels8 records

Marketing channels7 records

Core offering

Liberate Innovations sells a SaaS platform — branded as the "System of Action for Insurance" — that uses insurance-native AI agents (Voice AI, Email AI, SMS AI, and Digital Intake) to automate sales, servicing, and claims workflows for U.S. P&C insurance carriers, agencies, brokers, MGAs, and TPAs. The platform is a low-code cloud environment with pre-built FNOL templates for auto, home, commercial, and workers' compensation lines, multilingual capabilities across 100+ languages, plug-and-play integrations with core insurance systems, and enterprise-grade compliance (SOC 2, HIPAA, PCI DSS, GDPR). Deployment is sold on an annual subscription basis with implementation and integration services that compress go-live to weeks.

Product overview

Liberate Innovations offers a unified AI-powered "System of Action for Insurance" platform for P&C insurers, agencies, and brokers. The architecture is a core low-code/no-code SaaS platform (Liberate SaaS Platform) extended by a suite of channel-specific AI modules — Liberate Voice AI, Liberate Email AI, Liberate SMS AI, and Liberate Digital FNOL / Digital Intake — that share underlying agentic, workflow orchestration, and reporting infrastructure. On top of this core, Liberate ships specialized AI capabilities including Operator AI for Claims FNOL (autonomous multilingual claim intake agent), the Generative AI-Powered Multilingual FNOL Plugin (built on a proprietary insurance domain model layered with OpenAI), and a roadmap of Reasoning AI Agents for Insurance. Adjacent co-developed offerings include IntellAgent (with Covenir) for AI-human hybrid call center FNOL. The platform supports enterprise-grade integrations with partners such as Eberl, Snapsheet, Zywave, Insuresoft, HawkSoft, and Vanguard, and is deployed against certified infrastructure compliant with SOC 2, HIPAA, PCI DSS, GDPR, and CCPA.

Differentiator

Problem solved

Functional benefit

Brands

• System of Action for Insurance: Liberate's branded insurance-native AI platform that automates sales, service, and claims workflows end-to-end, processing insurance workflows as a 'system of action.'
• Operator AI for FNOL

Products and services

• Liberate System of Action for Insurance Core AI-powered SaaS platform that automates end-to-end insurance sales, servicing, and claims workflows, integrating with carriers' core systems and orchestrating an ecosystem of solutions providers; reported to process $100B+ in premiums with 10%+ revenue lift and 25%+ operating cost reduction for customers.
• Liberate Voice AI Insurance-native conversational voice AI that answers every incoming call 24/7 in English, Spanish, and 100+ languages, performs FNOL intake, handles claims status, quotes, and servicing, and escalates to a human agent via warm transfer when needed; reports an 80% resolution rate without human agent interaction and a 1-second speed-to-answer.
• Liberate Email AI AI module that automatically processes and responds to inbound policyholder emails, collecting quote information, receiving FNOLs, and servicing customer requests in an empathetic, humanlike manner.
• Liberate SMS AI AI module that engages policyholders over SMS for quote collection, FNOL intake, claim status updates, and customer service, with 24/7 multilingual support and zero hold times.
• Liberate Digital FNOL (Digital Intake) Low-code digital self-service FNOL and claim intake solution for property, auto, home, small-business commercial, and workers' compensation lines, with reflexive forms, Google Maps integration, pre-fills, third-party data integration, and logic-tree customization for different loss types.
• Operator AI for Claims FNOL The insurance industry's first multilingual, multi-scenario, empathetic, 24/7 generative AI-driven claim intake agent; verifies claimant responses against insurer core systems, dynamically responds, and interacts in the policyholder's preferred channel (web or SMS).
• Generative AI-Powered Multilingual FNOL Plugin Plugin that layers Liberate's proprietary insurance domain model with OpenAI to provide speech-to-structured-data capture, real-time native-language-to-English translation, and AI-generated claims summaries; can be implemented in less than 30 days.
• IntellAgent AI-Human hybrid call center solution co-developed with Covenir for empathetic FNOL and claims management, designed to make AI claims management accessible to small and midsized insurers without heavy technology projects.
• Liberate Underwriting Workflow Automation Cloud-based low-code/no-code platform that orchestrates underwriting workflows, automating data collection, risk analysis, and submission intake/triage across connected core systems and insurance solution providers.

Named customers13 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability14 records

Feature8 records

Partnerships

Eight partnerships are on record, tiered core and flagship.

• Eberl Claims ServicecoreTechnology or Integration · 23 March 2026Eberl and Liberate launched an integration connecting FNOL intake with managed repair workflows, enabling property insurance carriers to assign credentialed emergency service providers earlier in the claims lifecycle. The integration automates service provider assignments when policyholders opt in during FNOL, reducing delays and improving policyholder experience while maintaining carrier operational oversight. System is now live and available to carriers.
• HawkSoftcoreStrategic or Co-development Partner · 20 November 2025Liberate and HawkSoft announced a partnership to develop insurance-native voice AI automation. The collaboration targets independent insurance agencies using HawkSoft's agency management system.
• ZywaveflagshipTechnology or Integration · 10 July 2025Liberate and Zywave announced a strategic partnership to enable Voice AI comparative quoting. Zywave's TurboRater customers can leverage Liberate's Voice AI to provide personal insurance quotes in all 50 states, 24/7, in English, Spanish and more than 100 other languages. Zywave serves more than 15,000 insurers, MGAs, agencies, and brokerages.
• SnapsheetflagshipTechnology or Integration · 7 May 2025Liberate and Snapsheet announced a strategic partnership and pre-built integration enabling insurance carriers to deploy Liberate's conversational voice AI into Snapsheet's claims workflows, delivering fully automated FNOL, claim status updates, and document requests 24/7. Snapsheet's 160+ customers can go live in as little as 4 weeks. Branch Insurance, a long-time Snapsheet customer, has already achieved 65% Voice AI + Digital FNOL adoption and 70% cost savings via the integration.
• CovenircoreStrategic or Co-development Partner · 1 January 2025Liberate and Covenir announced the launch of IntellAgent, an AI-human hybrid call center solution designed for empathetic FNOL and claims management, making AI claims management accessible to small and midsized insurers without the risks of heavy technology projects.
• InsuresoftcoreTechnology or Integration · 1 January 2023Insuresoft and Liberate finalized a pre-integration between Liberate's digital FNOL solution and the Insuresoft Diamond policy administration system. Insuresoft clients (e.g., Allied Trust Insurance) leveraged the pre-integration to go live with digital FNOL in just six weeks.
• Vanguard Claims AdministrationcoreStrategic or Co-development Partner · 1 January 2023Liberate and Vanguard Claims Administration partnered to build a cutting-edge Digital Third-Party Administrator (TPA) solution designed to usher in the next generation of claims management, increasing efficiency, accuracy and the turn time of claim outcomes for clients.
• OpenAI, L.L.C.coreTechnology or IntegrationOpenAI is referenced as a third-party service provider to which Liberate may share User Content for processing, and whose models Liberate has layered with its proprietary insurance domain model to build specialized generative AI features (e.g., the multilingual FNOL plugin).

Scale indicators11 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Hi Marley: Hi Marley is a conversational AI platform purpose-built for the P&C insurance industry, providing messaging-based customer engagement for claims, service, and underwriting. It is the closest direct peer to Liberate's Voice AI, SMS AI, and Email AI offerings, competing for the same carrier and agency customers with a similar AI-native, insurance-vertical focus.
• Shift Technology: Shift Technology applies AI to insurance claims, fraud detection, and underwriting across P&C, life, and health lines. It directly overlaps with Liberate on AI-driven claims automation and fraud/anomaly detection in P&C, serving similar global carrier customers with comparable LLM and ML technology.
• Tractable: Tractable uses computer vision and AI to accelerate property and auto insurance claims (visual FNOL, damage assessment). It competes with Liberate on AI-driven claims automation in P&C, with overlapping use cases in auto and home FNOL, although it specializes in visual AI rather than voice/email/SMS.

Broad incumbents

• Snapsheet: Snapsheet is a claims management technology and TPA serving P&C carriers with digital claims workflows. It is both a Liberate partner (pre-built integration) and a broad incumbent in the same space, with an overlapping customer base and complementary rather than directly competing product surface.
• CCC Intelligent Solutions: CCC Intelligent Solutions is a large, established SaaS platform for the P&C insurance economy (auto, property, casualty), providing claims, repair, and telematics solutions. It serves many of the same large carriers Liberate targets and is a broad incumbent in the P&C claims automation space.
• Guidewire Software: Guidewire is a leading core insurance platform (policy, billing, claims) used by P&C insurers globally. It is the dominant incumbent in the systems Liberate integrates with, and it is actively embedding AI capabilities into its own platform, making it both a partner and a competitive threat to Liberate's automation layer.
• Duck Creek Technologies: Duck Creek provides a SaaS core insurance suite (policy, billing, claims) for P&C insurers. It is an incumbent competitor to Liberate's workflow automation and orchestration, increasingly embedding AI capabilities into its platform and serving many of the same mid-market and enterprise carriers.
• Mitchell International: Mitchell International provides P&C claims, repair, and pharmacy solutions to insurers. It is a broad incumbent with overlapping claims automation capabilities and a deep carrier customer base, making it a competitor for the same digital FNOL and claims AI use cases Liberate targets.

Emerging players

• OneInc: OneInc provides digital payment, communications, and AI-enabled engagement solutions for the insurance industry. It overlaps with Liberate on customer communications and insurance workflow automation, serving many of the same carrier and agency customers.
• Socotra: Socotra is a cloud-native core insurance platform (policy, billing, claims) targeting modern P&L and P&C insurers. It is an emerging competitor in the broader P&C insurance technology stack, with partial overlap in workflow orchestration and emerging AI capabilities.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat7 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/LiberateInc

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds3 records

Investors5 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Liberate Innovations