Acolite

What do they actually do

Acolite builds AI teammates for insurance agencies that take on repetitive back‑office work. Today the product automates issuing certificates of insurance (COIs), assembling and sending carrier submissions (including pre‑filling ACORDs and supplements), and cleaning/normalizing Statements of Value (SOVs). It’s live, sold via demos, and can be used by forwarding an email request or triggering tasks from the agency’s management system (AMS) Acolite site YC profile.

In a typical workflow, a CSR or producer forwards an email like “issue COI for Acme Corp” or kicks off a task from the AMS. Acolite reads the request, checks the insured’s policy data, determines what’s required (coverages, holder language), generates the necessary documents or submission package, and either issues the COI or sends the submission. It records status and audit trails back into the AMS Acolite features/workflows.

The product integrates with common AMS tools (e.g., Applied Epic, AMS360) and email (Outlook/Gmail). Where APIs are limited, it uses context‑aware automation to operate inside existing systems so updates stay in the agency’s records. The company is early (YC S25) and onboarding independent agencies in the U.S. and Canada Acolite integrations Catalyit listing YC profile.

Who are their target customer(s)

• Independent insurance agency owner/manager: Needs to grow service capacity without hiring, but COIs, submissions, and SOV cleanup consume staff time and slow the team. Offloading those tasks frees people for revenue work Acolite homepage.
• Customer service representative (CSR): Spends hours issuing certificates from email requests while constantly switching between inbox and AMS. Acolite lets them forward the email or trigger from the AMS to speed issuance and reduce tab‑hopping Acolite how it works.
• Producer/broker preparing carrier submissions: Loses hours assembling submission packages and filling ACORDs, increasing turnaround time and errors. Acolite pre‑fills forms and builds submission packages to cut manual work Acolite features Catalyit listing.
• Operations or compliance manager: Deals with messy SOVs and weak audit trails, making renewals, audits, and handoffs slow and risky. Acolite normalizes SOV data and logs activity back to the AMS for traceability Acolite SOV agents Acolite integrations.
• Agency IT / AMS administrator: Juggles legacy systems and carriers with limited APIs, forcing manual workarounds or brittle RPA. Acolite provides connectors to major AMS products and context‑aware automation where APIs are missing Acolite integrations Catalyit listing.

How would they acquire their first 10, 50, and 100 customers

• First 10: Founder‑led pilots via warm intros: set up AMS/email connectors for 5–10 agencies, train one CSR, and measure time saved and error reduction to produce case studies Acolite integrations YC profile.
• First 50: Turn pilots into paid trials, standardize onboarding for Applied Epic/AMS360 to shorten implementation, and use channel partners to reach cohorts of agencies Acolyte how it works Catalyit listing.
• First 100: Add a self‑serve demo and ROI calculator, spin up SDR outbound to independent agencies, co‑sell with a few partners, run webinars/conferences, and launch a customer referral incentive Acolite demo CTA Acolite features.

What is the rough total addressable market

Top-down context:

Target customers are independent agencies and brokerages in the U.S. and Canada: ~39,000 in the U.S. and ~22,866 in Canada, or about 61,866 firms total Big “I” Agency Universe Study IBISWorld Canada.

Bottom-up calculation:

Multiplying ~61,866 target firms by representative annual spend for COI/submission/SOV automation ($800–$15,000/yr) yields a TAM of roughly $50M–$930M, with a practical mid‑range near $370M at ~$6,000/yr per agency pricing guide.

Assumptions:

• Focus is independent agencies/brokerages in U.S. and Canada using COI, submission, and SOV workflows.
• Average annual spend per agency for automation falls between ~$800 and $15,000, with many around ~$6,000.
• Revenue model is subscription/solution ARR per agency rather than per‑policy or pure usage.

Who are some of their notable competitors

• Certificial: COI issuance and tracking platform with AMS integrations (including Applied Epic), competing directly on automated COI workflows embedded in agency systems Certificial Applied integration.
• Certificate Hero: SaaS focused on speeding COI processing, including AI‑assisted contract/endorsement analysis and bulk certificate workflows—an alternative to manual COI handling Certificate Hero.
• myCOI (and COI tracking vendors): Platforms for certificate collection, verification, and renewal tracking used by companies and brokers; overlaps on automating COI compliance even if emphasis is more on tracking than issuance myCOI.
• Roots.ai: Insurance‑focused AI agents that create COIs, extract ACORD fields, and integrate with AMS—closest to Acolite’s end‑to‑end agent model Roots.ai.
• UiPath (enterprise RPA): General RPA/IDP used by large brokerages and carriers to automate certificates, form fills, and AMS tasks; a build‑your‑own alternative to packaged agents UiPath insurance.