The New York company turns insurance procedures into AI agents that finish the job. Its most interesting bet is that cheaper administration can change which risks are worth insuring.
Liberate is a San Francisco-based startup building insurance-native AI agents that automate the industry's most operational, phone-heavy work - quoting policies, filing claims, servicing endorsements - across voice, email, SMS, and digital channels. Its voice assistant, Nicole, handles inbound and outbound calls, while reasoning AI agents plug directly into carriers' core systems to complete end-to-end tasks rather than just answer questions. In October 2025 the company raised a $50M Series B led by Battery Ventures at a $300M valuation, after scaling from 10,000 monthly automations to 1.3 million automated resolutions and processing more than $100B in premium volume.