Drop your declarations page or answer five questions. In sixty seconds, ARIA names the exclusions hiding in your current policies, shows you what companies your size actually carry, and tells you which of 150+ carriers want to compete for your business. Every gap cited to the policy page. A licensed Risk Strategist signs off before any policy binds. Mid-market and large-enterprise commercial insurance only.
Hi. I'm ARIA, an AI Risk Intelligence Advisor specialized in commercial insurance. To find what's missing in yours, I need four quick answers. What does your business do?
ARIA markets your business to the carriers that actually want to write it, powered by Smart Choice, one of the largest commercial & business insurance platforms in the country.
A finance leader asks what happens to the board in a $10M lawsuit. ARIA reads the policy, names the layer that breaks, prices the fix, and surfaces the carriers in appetite. Cited to the policy page, in under a minute. A licensed Risk Strategist signs off before anything binds. ARIA never places coverage alone.
Illustrative scenario · Analytical insights, not coverage advice. Your advisor signs every bind.
ARIA reads your policies. A dashboard your CFO logs into. A carrier pipeline that shops the whole market in real time. Three surfaces. Built to run together. Yours from the day RiskMind binds your first coverage.
Your ransomware coverage voids on a sanctioned-actor attribution. Estimated uncovered exposure: $5M.
Five steps. No email required to see the first three. No sales call until you ask for one. Every step has a clear time cost, a specific output, and a single person accountable for what happens next. Ryan Gaston signs every placement.
Five fields: company name, industry, annual revenue, employee count, and the coverage you're most worried about. No email required. No account created. Sixty seconds, start to finish.
ARIA returns a coverage adequacy score for your industry and revenue band, the three gaps that hit companies like yours most often, and the typical premium range a peer would expect. All before you've handed over a single piece of information.
If the archetype caught your attention, upload your dec page, ACORD application, or full policy PDF. ARIA reads it line by line and replaces every illustrative number with findings cited to your specific policy pages. Typically in under ten minutes.
Your assigned Risk Strategist, Ryan Gaston, personally reviews ARIA's findings. He confirms the gaps, prioritizes the ones worth acting on, and flags anything that needs a conversation before market. You hear from him inside four business hours.
One submission routes to the 4–7 carriers most likely to compete for your business. You watch the live pipeline. Who has your file, who's indicated, who's quoted, who declined and why. Ryan negotiates the terms and signs the bind. You never sign coverage you didn't approve.
Built on the Smart Choice distribution network. One of the largest commercial insurance platforms in the country. The numbers are the difference between hand-shopping a handful and routing the whole market.
National, regional, wholesale, and specialty markets. All accessible through one submission, powered by the Smart Choice network of 11,150+ active agencies.
ARIA reads the structural exposures differently at $50M than at $500M than at $2B. Three tiers, three coverage architectures, three sets of carriers ARIA brings to the table. Mid-market through complex enterprise. Commercial only. Every policy signed off by a licensed Risk Strategist before it binds.
Multi-state operations, mature finance, real risk budget. The point in a company's arc where the whole carrier market shopping every renewal starts to matter. Where named-advocate accountability becomes a board-level expectation.
Full stack. Umbrella. WC. International.
Board-governed, multi-entity, public-readiness in motion. Side-A DIC, securities-class-action defense, M&A reps, complex international. You need a partner that operates at the level of your finance and legal teams.
Side-A DIC. Reps & Warranties. D&O excess. Crime.
Public boards, global operations, regulatory scrutiny. Captive structures, parametric layers, claims advocates embedded with your finance team. The advisor relationship is at the level of your audit firm and outside counsel.
Captives. Parametric. Side-A. Global coverage.
ARIA matches your industry, revenue band, and coverage mix against every carrier in the network and surfaces the four to seven most likely to compete. Below. a sample of appetite by line.
Each one a specific commitment with a concrete proof point. No marketing adjectives. No vendor-speak. The standard your CFO would apply if they were the one writing this page.
The Snapshot is five fields and returns your coverage adequacy score, top three gaps, and peer premium range. Before you've shared a single contact detail.
ARIA names the exclusion, points to the policy page that contains it, and quotes the language verbatim. You don't take ARIA's word for anything.
One submission routes to every carrier whose appetite matches your industry and revenue band. Primary first, excess and surplus where it makes sense.
Median premium, median limits, 25th–75th percentile ranges by line, by industry, by revenue band. Anonymized data only. Your position is marked.
A licensed Risk Strategist personally reviews ARIA's findings, negotiates the carrier, and signs every placement. ARIA never binds coverage alone.
Four months before every renewal, ARIA re-reads your coverage, surfaces new exposures, and starts marketing to carriers in appetite. Renewals stop being fire drills.
ARIA is trained exclusively on commercial property & casualty: the body of work an underwriter actually reads. No personal coverage, no benefits desk distraction. Specialization is the trust signal.
Every finding ARIA returns is written in the language your CFO, General Counsel, or board would use. No ISO form numbers. No insurance-industry shorthand. The legalese stays in the policy.
Carriers can't pay to be recommended. ARIA ranks on appetite-fit and indicative range. Never on what pays us more. If your current insurance lands better than what ARIA can place, ARIA tells you and we step back.
Insurance is a contract industry that runs on paperwork and relationships. ARIA takes the paperwork. Every form, every exclusion, every market. And turns it into a decision you can make. A licensed Risk Strategist takes the relationship, and signs the bind.
ARIA names what isn't covered, what's under-limited, and where the surprises hide. Cited to the policy page. You see the structural failure modes before they get tested in a lawsuit.
One submission routes to every carrier ARIA matches to your profile. Strong appetite first, then case-by-case. You watch the pipeline live: who has your file, who indicated, who quoted, who declined.
A licensed Risk Strategist reviews ARIA's recommendation, negotiates the carrier, and signs off before anything binds. ARIA never places coverage alone. You always know who to call.
Six specific commitments. Observable, measurable, ours. We believe these six define a well-run commercial coverage. Hold us to all six.
Carriers get room to compete. You get room to choose. The 30-day scramble stops being your problem.
Every coverage, every limit, every retention, every endorsement. Forty pages, eight sections, plain English throughout.
Every exclusion quoted to the page that contains it. Every gap surfaced before a claim tests it. Not a price check.
Median premiums, median limits, percentile ranges by industry and revenue band. Anonymized, sourced, updated continuously.
Not a queue. Not a 1-800 line. One person who knows your business and advocates with the carrier when something goes wrong.
Sixty-page forms answered in sentences your General Counsel doesn't have to translate. Ask ARIA. Ask your strategist. Same answer.
Nothing leaves your browser. No score, no email, no follow-up. Just the same six commitments, to check or not.
Three anonymized client stories ARIA flagged at renewal, before the claim landed. Each one shows the gap ARIA found, the fix ARIA placed, and the dollar amount the coverage paid when it got tested. Real dollars, not marketing adjectives.
Ransomware attack with sanctioned-actor attribution hit a customer-data vendor. Original cyber tower capped at $10M with a war exclusion. We found the gap during the 120-day renewal review, bound a $50M tower with affirmative carve-back, and the attack landed 4 months later. Fully covered.
$40M excess cyber tower + state-sponsored carve-back. $310K annual premium.
Contamination event across three production lots triggered a national recall. Original CGL excluded recall expense entirely. We had moved them to dedicated recall coverage 8 months prior. Retrieval, destruction, replacement, and brand rehabilitation all paid.
Stand-alone product recall policy. $185K annual premium.
Whistleblower triggered SEC enforcement. Standard E&O capped regulatory defense at $2M. Exhausted in 11 weeks. We had restructured the coverage to uncapped regulatory defense at renewal. The 18-month investigation closed with civil penalty only. Firm retained 100% of AUM.
Restructured to uncapped regulatory defense. $140K incremental premium.
Both paths produce the same first read: your coverage adequacy score, the three structural gaps ARIA finds most often at your scale, and the carriers most likely to compete for your business. Pick the path that fits your style today.
Five fields. ARIA returns a first read on your coverage before you've shared a contact detail.
A licensed Risk Strategist on the call. The same first read, walked through by the human who will sign every bind.
Nothing binds until a licensed Risk Strategist signs the placement
ARIA · live across every page
