
End-to-end AI agents for property claims, from loss report to estimate
Cozmo is the AI operating system for property claims. When a pipe bursts in someone's home at 2am, our agents answer the call, capture the loss, enter the claim into Xactimate and Cotality, dispatch the right contractor against SLA, chase acceptances before breach and draft the carrier-ready estimate from field photos. We run both halves of a claims operation: everything the customer touches and everything that happens behind the desk.
Our customers are restoration franchisors, TPAs and adjusting firms whose boards have told them to become AI-native and who have no way to do it themselves. Our anchor is one of the largest restoration franchisors in the US.
You will be the person who takes a signed contract and turns it into an AI agent running a live claims operation. You own the build from kickoff to go-live: scoping the customer's intake and dispatch workflows, designing agent behavior, writing evals and guardrails, wiring integrations into Xactimate, Cotality, Zendesk and phone systems, testing against real loss calls, then sitting in the war room on launch day watching the first claims flow through.
This is the founding hire for the function. You will work directly with both the founders.
We are a small team racing incumbents with hundred times our headcount, and intensity is our only structural advantage, which means it is not a typical 9-5. If that schedule reads as a warning, this is the wrong role for you. If it reads as the environment where you finally get to run at full speed with people doing the same, keep reading.
Competitive salary plus meaningful founding-level equity. We pay for talent and we weight equity heavily because we want owners.
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We respond to every real application within 48 hours.
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.