Continuous commercial insurance
Insurance that keeps up with your business.
Erni researches your business, reads your policies, and keeps a live picture of your risk — so your coverage changes when your business does, not once a year.
Free · 15 minutes · no policy documents required · you keep the risk map either way
Multi-carrier · Licensed advisors · Built for businesses with 2–20 employees
Business Risk Passport
Bright Digital · Software implementation, 12 people
- Covered
Professional liability
CRM implementation named in policy
- Covered
Third-party & office
Verified against current policy
- Gap
Cyber & privacy
Client-system access, lead data
- Gap
Employers' liability
Not found in documents received
- Changed since renewal
US activity
First enterprise contract detected
Every line traces to a source — a conversation, a document, or a detected change.
Your business changes every month.
Your insurance is reviewed once a year.
Traditional brokers can't afford to keep up. Erni can.
The product
Every business should have a Business Risk Passport.
- ·Continuously updated
- ·Evidence-backed
- ·Portable — it's yours
- ·Shared with licensed experts
- ·Grows with the business
A structured, continuously updated picture of how your business actually operates — what you do, who you serve, what data you hold, where you're exposed. It means never filling out the same questionnaire twice.
Built from
Roadmap — always opt-in
What's inside
The facts
Everything known about your business — and every fact carries its source.
The coverage
Professional liability
Verified · policy p. 8, clause 4.2
Cyber & privacy
No policy found in documents
Each risk area checked against your actual policies — covered, gap, or ambiguous.
The change log
US contract detected → 3 items opened for review
Advisor approved US territory extension
Every change detected, explained, and approved by you before anything happens.
Every business has accounting software. Every business has a CRM. Soon, every business will have a Business Risk Passport.
The business timeline
Watch Erni keep up.
Bright Digital, a digital agency moving fast. Here's how their coverage should have changed in their first year alone — and how Erni structures it at every step.
Illustrative example · limits and prices depend on your business
Coverage structure
Day one · 4 people, first clients- $1M
Professional liability
New
- Included
Office & third-party
New
This is the 15-minute conversation. See it end to end: Watch the full demo →
The process
How Erni understands your business
Erni researches your business.
Before asking a single question, Erni studies your public footprint and drafts your risk profile.
You confirm in one conversation.
A focused interview — Erni only asks what it couldn't learn on its own.
Does that still describe what you do?
That's right — we also implement CRM systems.
✦ Risk Passport updated · activity added
Erni reads your policies.
Upload what you have. Erni maps what's covered, what's not, and what's ambiguous.
Professional liability · p. 8, clause 4.2
CRM implementation not explicitly named
Needs reviewWe place better-matched coverage.
Licensed advisors review every recommendation and place coverage from multiple insurers. You pay nothing extra — insurers pay us commission, like any broker.
Professional liability
ExtendedCyber & privacy
NewBusiness policy
Unchanged✓ Reviewed by a licensed advisor
Already have a broker?
Get a free second opinion: Erni reads your current policies and shows you what's covered, what's not, and what changed since you bought them. Switch only if it's worth it.
Why this didn't exist before
Why now?
Until recently, understanding a business took hours of manual work. So brokers did it once — at renewal.
Today, AI can read policies and contracts, study a company's public footprint, and hold a real conversation about what changed.
That's why continuous insurance is finally possible.
Meet Erni. Your continuous insurance advisor.
Erni researches your business, keeps your Business Risk Passport current, and flags what matters — while licensed professionals review every recommendation and make every call. It's the advisor who never stops paying attention.
AI prepares.
Humans decide.
Every recommendation reviewed by a licensed insurance professional.
You choose what Erni can see. Every data source is opt-in.
Multi-carrier and independent — we work for you, not one insurer.
3 min
to a first risk picture
0
questionnaires filled twice
100%
of recommendations expert-reviewed
$0
beyond your premium — insurers pay us
FAQ
Questions, answered plainly
- What does Erni cost?
- Nothing beyond your premium. Insurers pay Erni commission, like any broker.
- Who is Erni for?
- Digitally-operated businesses with 2–20 employees, currently in Israel. The sweet spot: too complex for an online form, too small for a risk manager — think a 10-person software implementation firm with contractors, client-system access, and sensitive data.
- Is Erni a licensed broker?
- Coverage is placed through licensed insurance professionals. Erni does the research, analysis, and monitoring around them.
- Is my data safe? Do I have to connect my email?
- No. Integrations are optional, opt-in, and per-source. You choose exactly what Erni can see.
- What insurance types does Erni cover?
- Core commercial lines: professional liability, cyber, office and property, employers' liability, and third-party.
- I already have a broker.
- Start with a free second opinion: Erni reads your current policies and shows you the gaps. Switch only if it's worth it.
Find out what you're actually covered for.
Free. 15 minutes. You'll leave with a risk map of your business — whether you buy anything or not.
Just your email and website — Erni researches the rest before you arrive.