AI & approval

The AI does the work.A licensed human approves it.

Certova runs agents that read incoming mail, classify documents, pull public records, draft replies and package submissions. None of them can write to a policy, a certificate or an account. Every action crosses one approval queue — enforced in the architecture, not in a setting an admin can flip.

The path every change takes
01

Work arrives

An email, a WhatsApp message, a scanned page, a certificate request. The agent receives it with the account’s context — policies, history, open items — already attached.

02

Draft, with citations

The agent drafts the change and cites it. Every field it filled carries where the value came from and when it was fetched — a policy page, a county record, a prior conversation.

03

The checker runs

A second pass verifies the draft: requirements met, entities matched against the state registry, arithmetic re-done. The results are pinned next to the item — met, on file, or flagged.

04

A person reviews

The queue shows the change field by field, old value against new, with what accepting it would touch downstream. Clean items can be approved together; flagged ones cannot.

CertovaBayfront Insurance · Hialeah, FLENES12 waiting · 9 clean · 3 flagged by the checker
Approvals
Endorsement · Costa Verde2h
Add location 4 · 8 fields
Certificate · Mendoza Roofing41m
Additional insured + waiver
Certificate · Coastal Grill1h
Checker: limit exceeds policy
Submission · Bayside Logistics1h
11 markets packaged
Renewal letter · Ferretería del Sur2h
Spanish · 14% increase
FNOL · Palma Real HOA4h
Water damage · 4 photos from WhatsApp
Endorsement processor · Costa Verde Apartments · add location 4

The owner sent a WhatsApp asking to add a fourth building at 1420 W 12 Ave. The agent pulled the parcel, drafted the carrier request and staged eight field changes. Nothing has been written to the policy.

Proposed changes · 8 fields
+location.4.address1420 W 12 Ave, Hialeah FL 33010
+location.4.year_built1974
+location.4.constructionJoisted masonry
+location.4.roof_year2019
+location.4.flood_zoneAE
schedule.total_tiv$6,240,000
+schedule.total_tiv$8,090,000
MIAMI-DADE APPRAISER · 21 AUGPERMIT RF-2019-08814FEMA NFHL · 14 AUGCHECKER PASSED · 0 FLAGS
Every value above shows where it came from.
05

One write event

Approval writes the change, appends the audit entry in the same transaction, and freezes a snapshot of what was issued. This is the only door into the record — and a human holds it.

Boundaries, enforced in code

Three things the agents cannot do.

Train on your data

Client accounts, documents and correspondence never train models — contractually. Model calls go through one internal gateway that strips identifiers before anything leaves.

Send anything on their own

No agent can email, message or file anything outbound by itself. Outbound is an action like any other: drafted, checked, and released by a person.

Take instructions from a document

External text — an email, a scanned contract, a web page — is processed as data, never as instructions. A clever sentence in a PDF cannot steer the agent.

The queue is the product. Watch it.

Security mechanisms