Cozmo AI Launches P&C Claims Platform and Expands Technical Team in New York

Cozmo AI has launched a claims automation platform for property and casualty (P&C) insurance, targeting restoration networks and third-party administrators (TPAs). In early production deployments, the company reduced property damage estimating times from two days to under 10 minutes and cut estimating costs from up to $200 down to less than $50 per claim, according to reporting by Beinsure and Claims Journal. Now, the Y Combinator-backed seed startup is building out its founding engineering, product, marketing, and sales teams across New York, San Francisco, and global hubs.

Automating the P&C Claims Lifecycle

Founded in 2025, Cozmo AI builds autonomous AI employees that execute end-to-end P&C claims workflows inside existing enterprise software environments. Rather than replacing core claims administration systems, the platform's agents handle operational tasks from first notice of loss (FNOL) through invoice settlement. The software captures initial call details, dispatches field crews, interprets job documentation, constructs carrier-formatted estimates, and handles invoice collections.

Every interaction on the platform is governed through the company's Agent Protocol Engine (APE™). In an interview on the YouTube channel Mainstream, co-founder and CTO Nuha Hashem detailed how the architecture uses supervisor agents to oversee active workflows, log audit trails with reasoning timestamps, and implement deterministic guardrails to prevent agents from operating off-script.

Founder Origins and Real-Time Infrastructure

Nuha Hashem and co-founder and CEO Alok Kumar previously co-founded Ziwa, a Y Combinator-backed neobank for students in the Middle East, as discussed on The Contra Podcast. After running into local fintech licensing bottlenecks, the founders built an internal voice AI support tool for their own operations. When an investor asked to license the software for commercial use, Alok Kumar and Nuha Hashem pivoted to build Cozmo AI, as Alok Kumar explained in a video hosted by Mahmoud Khodor.

The platform delivers sub-1.5-second telephony latency and supports over 97 languages, featuring native understanding of Gulf Arabic dialects alongside English. Speaking with Mahmoud Khodor, Alok Kumar noted that the company engineered a proprietary text-to-speech layer capable of matching human emotional tone and managing complex sales or intake conversations. The system also uses reinforcement learning modules to ingest enterprise data sets and onboard complete AI employees within 24 to 30 minutes.

Hiring Across Engineering, Product, and Sales

To support enterprise go-lives and scale its product infrastructure, Cozmo AI is hiring for five open positions across engineering, product management, sales, and marketing.

On the engineering team, the company is hiring an Applied ML Engineer ($100,000 - $240,000 USD, onsite in New York, NY, US; Bengaluru, KA, IN; or Dubai, AE) to build the claims data platform from scratch and ship tabular estimation models alongside Nuha Hashem. To manage live customer deployments, Cozmo AI is also recruiting a Forward Deployed Engineer ($100,000 - $200,000 USD, onsite in New York, NY, US) to embed directly into customer claims operations, reverse engineer legacy software, and ship agent systems during enterprise go-lives.

For product management, the startup has opened a role for an Agent Product Manager ($100,000 - $140,000 USD, onsite in New York, NY, US) to translate enterprise contracts into production claims agents by defining workflows and embedding with operational teams.

To drive commercial expansion, Cozmo AI is hiring a Founding SDR ($80,000 - $500,000 USD, onsite in New York, NY, US; FL, US; or San Francisco, CA, US) to close deals and run pilots with TPAs and restoration franchisors alongside Alok Kumar. Additionally, the company is recruiting a Founding Growth & Marketing Lead ($100,000 - $200,000 USD, onsite in New York, NY, US) to build marketing agents using Claude, run growth experiments, and oversee GTM schedules.

See all open roles at Cozmo AI