Consider the certificate of insurance. It is a modest document, yet it can acquire a surprisingly busy social life: a request arrives, someone checks the policy, someone prepares the certificate, someone sends it back. Mulberri’s September 2023 launch announcement described precisely this email-driven routine. The customer wanted proof of cover. The insurance team inherited a small production line.
That little exchange is a useful entrance to Mulberri. The company sells software for the work surrounding commercial insurance: reading submissions, assembling risk information, preparing quotes, managing policies and keeping records straight. Its wager is that expertise becomes more valuable when an expert has fewer clerical errands.
- Mulberri began with business insurance for payroll providers, PEOs and brokers.
- Its current suite has six modules, from submission intake to claims and audit.
- Customers bring their own underwriting rules; people retain decision authority.
- The May 2026 Omnyy partnership puts intake and triage at the center of its UK expansion.
The business was already in the payroll system
Mulberri launched its platform in 2021. Co-founder and CEO Hamesh Chawla came from product and technology leadership in financial services. His early approach, described in an interview shared by the company, was to understand distribution before building the product. Where were the businesses? Who already had their trust?
Payroll and human resources offered an answer. A professional employer organization, or PEO, already helps businesses handle employment administration. Insurance could enter through a relationship that existed, carrying some of the information that existed with it. Mulberri built around PEOs and brokers, rather than asking every small business to begin a fresh relationship from scratch.
Violet Berri made that idea concrete. The joint venture with Vensure Employer Services offered a business insurance marketplace through a PrismHR partnership. In December 2023, Mulberri said its broader ecosystem provided access to more than 250 PEOs, payroll providers and brokers covering roughly 100,000 small and medium enterprises. That was a statement about channel access, not 100,000 paying software customers. The distinction matters: a doorway is an opportunity; it is not a sale.
Then the machinery became the market
The product history shows a widening ambition. In May 2023 came a workers compensation Risk Engine. August brought a cyber insurance MGA. September brought the certificate platform, developed in collaboration with VensureHR and Trion Solutions. These were different answers to a common problem: useful insurance information was expensive to collect, interpret and move.
In April 2024, Mulberri and Acronis announced embedded cyber insurance for Acronis’s US small-business customers. The program described fixed premiums and policy limits of $250,000 or $500,000. The distribution logic was familiar: offer cover inside a service the business already used. Fixed coverages and simplified underwriting narrowed the choices, making the transaction easier to complete.
By his May 2026 appearance on the Insurtech Leadership Podcast, Chawla was discussing the move toward an AI operating system for MGAs. A managing general agent performs delegated insurance functions, often including underwriting on behalf of a carrier. For such a business, the stream of submissions is both its raw material and its administrative burden. Mulberri’s current proposition addresses that burden directly.
The move is visible in the product itself. Today’s suite follows a risk from its arrival through the events that come after a policy is written. A common record is the organizing principle. Information entered at the beginning should remain usable at the end.
Extract · enrich · triage
Rate · evaluate · quote
Service · track · review
Across the workflow: customer rules, recorded changes and human authority.
Six Berris, fewer handoffs
IngestBerri handles the messy entrance: emails, applications, schedules, loss runs and attachments. It structures the material, checks it against the customer’s appetite and supplements missing information with outside data. One revealing detail is its treatment of disagreement. When two documents contain conflicting values, the product description says it presents both. A tidy answer is less useful if tidiness has concealed the conflict.
UWBerri supplies the underwriting workbench. It brings together rating, risk evaluation and quoting around the customer’s own logic. Underwriters can inspect calculations and record reasons for overrides. Authority limits govern when a file must reach a more senior person. The software’s usefulness rests partly on being inspectable.
PASBerri then carries policy administration through issuance, endorsements, renewals, cancellation and billing. CertBerri links certificates to policy data and tracks expiration. ClaimsBerri organizes first notice of loss, reserves, payments and the claim’s progress, with consequential decisions sent for human approval. AuditBerri checks files against configured guidelines and allows failures to trigger a warning, referral or block.
The names are cheerful. The work is methodical. A certificate should agree with the policy; a premium should be explainable; an exception should reach someone authorized to decide it. Those requirements give the suite a more concrete identity than the broad phrase “AI for insurance” ever could.
Omnyy starts at the front door
On May 5, 2026, Mulberri announced a partnership with Omnyy, a London MGA specializing in UK small-business and commercial risks. The planned deployment targeted submission intake, triage and data structuring, connecting to Omnyy’s existing systems. It is an unusually legible example of the company’s pitch: get the file into usable shape before the underwriter starts evaluating it.
“As we scale, maintaining underwriting discipline and operational consistency is critical.”
Katie Stone · Chief Operating Officer, Omnyy
Verve Risk Services and Allegiance Underwriting Group also appear among Mulberri’s underwriting customers. SPARK Underwriters, which serves vehicle repair and service businesses, uses CertBerri. Together these examples show several ways into the platform. One firm starts with submission handling; another starts with certificates. Mulberri offers individual modules as well as the suite.
This places it among vendors selling operational software to insurance professionals. Send offers a commercial and specialty underwriting workbench. Heron automates document-heavy underwriting workflows across finance and insurance. Mulberri emphasizes customer-specific configuration, shared records and integration with systems already in use. Those are buying criteria to examine, rather than proof of an uncontested market position.
The money buys a direction, not a verdict
Mulberri announced a $4 million seed round in July 2022 and a $6.75 million Series A in December 2023. Eos Venture Partners led the latter, with existing investors Hanover Technology Management, MS&AD Ventures and Altamont Capital Partners, participating through portfolio insurance enterprises. The two announcements total $10.75 million.
The commercial model combines a configurable B2B software platform with the company’s embedded insurance activities. For a software buyer, the purchase begins with a sales conversation around the firm’s submissions, rules and systems. The sensible cost question extends beyond the contract: how much work must the team do to configure the rules, validate the output and maintain the connections?
The skipped step is the interesting step
Mulberri’s July 2025 engineering post, written by Pravin Bansal, supplies a useful complication. It describes agentic workflows in which a task may be silently skipped or a handoff misunderstood. The concern is easy to grasp: a chain can continue even when something essential never happened. The post advocates practical boundaries, reviewable outcomes and deterministic systems for work that requires guaranteed execution.
That discussion concerns an engineering failure mode, rather than a documented customer mishap. It also clarifies what a prospective user should test. Can the system show the document behind a value? Does it flag ambiguity? Who approves a payment, a denial or a rule change? Does the record show what actually happened?
The transferable lesson is to begin with one repetitive workflow and a visible result. Test difficult historical files, including missing fields and conflicting attachments. Compare outputs with the decisions experienced staff made. Expand only when the exceptions have an owner. Mulberri’s configuration pages describe several of the ingredients: customer guidelines, confidence review, authority limits and recorded overrides.
This approach needs usable rules, connected data and people willing to review the uncertain cases. It loses its appeal when a buyer expects software to manufacture underwriting judgment from vague instructions, or when a critical workflow cannot tolerate a missed step. The company’s own writing recognizes that boundary. For an insurance team, the attractive outcome is quite ordinary: the certificate gets sent, the file makes sense, and the underwriter has time to think.