The brokerage model has a service problem. We fixed the economics of service.
Omnia is a licensed multi-line insurance brokerage where every agent works with Nia, an always-on operating layer that carries the client relationship year-round.
Email address is a placeholder in this mockup.
Brokerages get paid to place policies. So placing is all they optimize.
A commission starts when a policy is placed, then keeps paying monthly for as long as the policy stays in force. The industry heard the first half. It built itself around placing: the call center, the enrollment push, the seasonal staffing curve.
Service after the sale costs headcount, and its return is invisible: policies that quietly stay in force. Most firms rationally choose silence for eleven months and absorb the lapses.
Churn is not a market condition. It is the model working as designed. A brokerage that could afford year-round service would keep its book, and every monthly commission in it. Affording it is the problem we solved.
One operating layer. Every agent. Every file.
Answers any hour.
Client questions get answered at 2pm and 2am. No hold queue, no staffing curve.
Watches every file.
Life changes, gaps, and plan changes get flagged the day they surface, not at renewal.
Preps every renewal.
Files arrive on the agent's desk already worked. The agent calls with options before deadlines.
Schedules the human.
When a client needs their agent, Nia puts them on the line or books the time. She never gatekeeps.
Advice, pricing, and enrollment stay with licensed humans. That line is compliance. It is also why the system scales.
Service used to cost headcount. Now it scales.
Illustrative placeholders. Real figures, benchmarks, and cohort data shared in diligence.
This machine is not specific to our book.
Nia was built against the messiest book in insurance: subsidy-eligible Marketplace health, where life changes constantly and margins forgive nothing. She already runs auto, gap, dental, vision, and accident lines beside it.
The same mechanics are built to travel: another brokerage's agents, a carrier's member base, the identical playbook. The asset is not our client list. It is the operating layer and the playbook for running it, licensed and running today in states from Michigan to Texas.
What compounds here.
The data. Every question answered, every gap caught, every renewal saved teaches the system what keeps a household covered. That knowledge is cumulative and it does not leave when an agent does.
The brand. Nia is a consumer-facing character who clients meet by name, not a back-office script. Service brands in insurance are rare. Service brands with a face are rarer. Her line is the company in four words: “I handle the remembering.”
The brokerage is licensed. The machine is running. The rest is in the data room.
Detailed metrics, cohort data, and the operating playbook are available in diligence.