
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.
A claim is a hostile engineering environment. The data lives in Xactimate files, carrier portals, Zendesk queues, voicemails and photos of wet drywall. The workflows were designed twenty years ago and enforced by franchise agreements. SLAs are measured in minutes and breaches cost real money. Your job is to walk into that environment, reason from first principles about what the system should be, then build agents that run it in production.
You will spend part of your time inside customer operations, part of it writing code that becomes the platform. The distance between "I saw a dispatcher waste an hour on this" and "an agent now does it" should be days, and you own the whole distance.
You report to the CTO and work directly with both founders.
We work almost six days a week, in person in New York, and go-live weeks take the seventh day too. We say this plainly because intensity is our structural advantage against incumbents with a hundred times our headcount, and because the engineers we want read this section and relax. This is the environment where nobody tells you to slow down.
Competitive salary plus founding-level equity, weighted toward equity because we want owners, plus relocation to NYC if required.
No cover letter. Send three things to me:
We respond to every real application within 48 hours. Strong answers to question 2 get an interview regardless of resume.
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.