
Multimodal AI Employees That See, Speak, Think and Do for Enterprises
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.
What you'll actually do
The two founders are running founder-led sales across GCC and the US, recruiting, fundraising prep, product calls and customer escalations on the same day. You will own whatever needs owning that week. The work is real and the scope rotates.
A normal week might include running point on a Series A data room while the founders are in customer meetings, sitting in on a pipeline call and turning it into a follow-up sequence the next morning, building the financial model because the CFO function does not exist yet, drafting board updates and customer-facing one-pagers, cleaning up CRM hygiene because no one else will, running the hiring funnel for three open roles at once, flying to Orlando for a trade show on 24 hours' notice, and telling a founder when something they want to do is the wrong call.
Most of this work is unglamorous. The job is to remove friction from the founders' calendar and to operate at a level where they trust you to make calls without checking in.
By day 30, you will have taken full ownership of our weekly investor updates and reorganized our sales CRM for the Series A push. That means the founders stop drafting investor mails, the pipeline is clean enough that we can pull a credible MRR walk and ARR forecast on demand, and every active deal has a clear next step and owner. If you've done that, we've made the right hire.
You're early or mid-career and want a seat next to two founders building a company that matters. You're comfortable with ambiguity, you write well, you think in spreadsheets and you can hold ten threads at once without dropping any. You move fast and you finish things.
You want the reps that come from working inside a company where decisions get made in hours and shipped the same week.
Specific traits we care about:
Direct exposure to the two founders and every customer, investor and product decision. Cash compensation that's market for your geography, meaningful equity and a front-row seat to the Series A and what we build after.
Cozmo AI is building the foundational infrastructure for real-time, low-latency voice automation for enterprises.
We enable Fortune 500 and leading insurers to deploy AI Employees that can speak, think, and act across revenue-critical workflows. In one global deployment, our voice-native AI employees managed all inbound and outbound policy calls with zero wait time and full compliance.
The verified AI performance not only improved service speed but also surfaced new, qualified leads creating what we call the “efficiency loop,” where AI handles repeatable tasks while humans capture higher-value opportunities.
Each interaction is governed and auditable through our Agent Protocol Engine (APE™), which provides a transparent trail showing what the AI did, why it did it, and what business outcome it achieved. In industries like insurance, where trust and traceability matter more than speed, verified outcomes have become the new competitive edge. Cozmo AI also supports with foundational voice and agentic infrastructure built for regulated, multilingual markets: • Arabic + English first agents with Gulf dialect understanding. 97+ other languages supported • Sub-1.5 second latency across telephony. • Compliance-ready for local sovereignty laws. • APE Memory Engine for contextual, traceable reasoning. • Forward-Deployed Implementation Pods that integrate AI employees directly into live operations.
Backed by YCombinator, Dubai Future District Fund and other global VCs we have headquarters in San Francisco and EMEA HQ in Dubai.