Real-time deal data and AI-enforced compliance make real estate E&O insurance cheaper, smarter, and direct, turning a legacy line of coverage into a category-defining opportunity.
claiOS is the AI desk for residential real estate. Agents run the whole transaction inside it, so Clai reads every document, drafts every message, and enforces every requirement as the deal happens.
Real estate Errors & Omissions insurance is priced for a world where the carrier can't see the deal. Premiums are set on broad averages, claims arrive after the damage is done, and nearly every claim traces back to a documentation, disclosure, or communication failure.
claiOS sits inside the transaction itself. It enforces compliance, guides every agent communication, and streams real-time, structured deal data, so the exact behaviors that cause E&O claims are prevented before they happen, and the carrier finally sees the risk it's pricing.
A Clai-originated book is structurally lower-risk. Together, Clai and FIG can underwrite it for less, pass the savings to agents, and, by going direct, remove a layer of cost on the way to the end user.
The same playbook reshaping every legacy industry, replace averages and paperwork with real-time data and AI, applied to a market that has barely been touched.
Jonathon Ende, Founder & CEO. Two decades building and scaling products at the intersection of real estate, e-signature, and workflow automation, the exact stack claiOS now reinvents with AI. He has seen first-hand where deals break, where liability hides, and why compliance is the industry's deepest pain point.
Investors who have backed and built category-defining technology and growth companies.
E&O is sold on self-reported applications and crude proxies like prior-year commission income. The carrier never sees how a deal is actually run, so it prices the average agent, not the actual risk.
Disclosure, deadlines, paperwork, communication, not bad luck. Exactly the things software can enforce and prove.
Required disclosures, signatures, and forms are checked in real time. A deal can't progress out of compliance, removing the single largest source of claims at the moment it would occur.
AI reviews every agent message before it sends, flagging misrepresentation and risky promises, and keeping each answer inside compliant bounds.
Every action is timestamped and structured into a live data stream and complete audit trail, enabling precise underwriting, and a strong defense if a claim ever arises.
Better evidence on every file → a measurably lower-risk book FIG can price accordingly.
Individual agent E&O averages roughly $665/year (~$55/mo), with policies commonly ranging $100–$500+. Firm-wide policies scale with revenue, from ~$600–$2,000 for a new brokerage to $15,000–$30,000+ at ~$10M GCI. Pricing is driven largely by commission income, not by how cleanly deals are actually run.
E&O isn't a new product we have to sell, it's a mandatory, recurring cost. We make it cheaper and smarter for a captive base already running deals on claiOS.
We don't need to sign tens of thousands of brokerages. A base of mostly mid-sized shops, anchored by a handful of enterprise signings, gets us to scale fast.
From just ~510 brokerage signings, a focused, achievable enterprise sales motion.
| Year | Agents | GWP |
|---|---|---|
| Year 1 | 25,000 | $16.3M |
| Year 2 | 37,500 | $24.4M |
| Year 3 | 56,250 | $36.6M |
| Year 4 | 84,375 | $54.8M |
| Year 5 | 126,563 | $82.3M |
Because compliance is enforced inside claiOS, not bolted on afterward - Clai-originated deals make fewer of the mistakes that cause E&O claims. A traditional carrier prices uncertainty; we engineer it down at the source, then price the lower risk. No legacy insurer or broker has this behavioral data.
Offered directly through the platform to agents already on claiOS, the product skips the traditional broker / intermediary margin. That saved cost is handed back to the end user as a lower price - a discount competitors selling through legacy channels simply cannot match.
| Brokerage | Annual E&O spend* | Saved at 20% |
|---|---|---|
| 15 agents | $9,750 | $1,950 |
| 30 agents | $19,500 | $3,900 |
| 100 agents | $65,000 | $13,000 |
| 400 agents | $260,000 | $52,000 |
E&O is the wedge. The pattern is the prize: when you own the system of record for a transaction, you can replace averages with real-time risk, compress cost, and improve service at the same time. Insurance is the first of many legacy financial layers attached to every deal.
FIG brings the capital, licensing, and underwriting of a foundational new-era insurer. Clai brings distribution, real-time risk data, and the AI that lowers losses. Neither side can build this alone.
| Clai brings | FIG brings | Together | |
|---|---|---|---|
| Risk | AI-enforced compliance & comms that cut loss frequency | Actuarial & underwriting expertise | A demonstrably lower-risk book, priced on real behavior |
| Data | Real-time, structured deal data & audit trails | Pricing models & reserves | Dynamic, behavior-based premiums |
| Distribution | Captive base of agents already on claiOS | Carrier capacity & paper | Embedded, direct-to-agent coverage |
| End user | Lower-risk profile + direct channel | Lower cost of capital | A cheaper, better product for every agent |
Commercial structure, underwriting roles, capital, and economics, to be defined together in follow-on conversations. This brief frames the opportunity, not the terms.
Clai already owns the transaction. FIG can own the risk. Together we make E&O cheaper for two million agents, and lay the foundation for re-underwriting an entire legacy industry.