Kayna AI Risk · for SaaS platforms

Agentic.MCP‑native. Add Insurance Risk Management as a module to your platform.

An AI policy analyser that reads your customers’ policies against their platform data and contractual insurance requirements, flags the coverage gaps — and, optionally, embeds the cover that fills them.

MCPOne connection between your agent and live risk intelligence
kayna.io / demo
Clickable demo
Scroll inside the frame to walk through the kayna.js widget across four platforms, then the agent interface.Open full demo
Why it matters

Insurance is bought once. The business never stops changing.

A static policy can’t keep up with a live business. Kayna reads the change as it happens and keeps every customer’s cover aligned with dynamic business activity. The SMB gains a real-time, in-house risk analysis and management tool, running on every account.

The protection gap

Most SMBs are underinsured — and don’t know it.

Cover gets bought once and rarely revisited, while the business hires, signs contracts, crosses revenue bands and opens new sites. The result is a structural gap between what an SMB is actually exposed to and what its policy still covers.

74%
of small businesses worldwide carry some level of underinsurance.
55%
have a protection gap from missing core covers — professional indemnity, public & employers’ liability, property.
~1 in 3
haven’t reviewed their policy in three years, even as the business changed underneath it.
Source: Hiscox Global Protection Gap Report 2025 — 6,250 small-business owners across the UK, US, France, Germany, Spain & Portugal. Brokers advise re-checking cover whenever a business grows 20% in revenue, headcount or operations — exactly the events Kayna watches.
Continuous alignment
Cover that keeps pace with the business — not the renewal calendar.
Early warning
Surfaces the gap before a claim — not after one, when it’s too late.
Built-in expertise
Risk-manager analysis no SMB has in-house, on every account.
Context-specific
Read from live operations, not a static intake form.
In the moment
Acts on the business event itself — not a call at renewal.
Live · recalculated on every change

A live risk profile, on every customer

Severity-tagged findings read against the SMB’s current cover — re-scored the instant something changes on your platform.

CRITICALGL shortfallCRITICALAggregate shortfallHIGHAI missingHIGHScope exclusion
Option AKeep their current broker

SMB takes the report to their existing insurer.

The SMB now walks into renewal armed with hard data — the exact limits, scope and endorsements they need. Their broker handles it; the platform stays neutral.

  • No friction, no switch — just better-informed cover at the SMB’s next touchpoint.
  • Platform still earns goodwill: it surfaced a problem the SMB’s broker hadn’t.
  • If the SMB comes back later, Kayna picks up exactly where the report left off.
Option BBuy through the embedded flowOptional · Phase 2

Optionally, the SMB closes the gap — or buys a new policy — right here.

Entirely optional, and only live once you switch on Phase 2 (embedded insurance). Then it’s one tap inside the platform: pre-filled, side-by-side compare, three confirms. Kayna binds the gap top-up, or places a brand new policy if there’s nothing on file. The platform earns a share on every placement.

  • Gap fill— top up limits, add endorsements, add Additional Insureds.
  • New policy— full quote & bind when the SMB has no cover on the relevant line.
  • Straight-through where possible; broker review only when it genuinely needs a human.
Either way, the platform owns the relationship.The SMB’s data stays where it lives. The risk insight becomes a platform feature. Insurance is one way out, not the only one.
The rollout

Land as a risk layer. Expand into embedded insurance.

Start where the stakes are low — turn data you already hold into live risk intelligence. Switch on insurance when you’re ready, and the gaps you surfaced become revenue opportunities.

Phase 1Live now

Add an insurance risk management module

Simple to ship, high impact for your customers. Turn data you already hold into a live risk layer — no carrier integration, low stakes.

  • Live risk scores for every customer
  • Ranked, explained coverage gaps
  • One MCP connection
Phase 2Expand

Embedded insurance

Plug every gap the module surfaced — quote, bind, and renew through Kayna’s broker panel, all in-product.

  • One-tap quotes from a live panel
  • Bind & COI without leaving your UI
  • Shared revenue on every policy
Phase 1 earns the right to Phase 2. The gaps you surface are the pipeline you monetise.
Trusted by leading carriers, brokers & SaaS platforms
How it works

One MCP connection to live risk intelligence.

Your agent calls Kayna’s risk tools over MCP (Model Context Protocol) — agent to agent. No AI agent yet? The same services render as a drop-in widget, so the risk signal still lands.

Primary · Agent to agent (MCP)
Your platform’s AI calls Kayna’s agent as a tool.
Exactly what MCP was designed for. Connect once, and every insurance-relevant moment in your product can reach Kayna — risk profile changes, contract uploads, new clients, anything.
Connect to Kayna’s MCP endpoint
Platform agent calls Kayna tools as needed
Kayna handles insurance reasoning end-to-end
Secondary · Widget only
kayna.js — for platforms without an AI agent.
One JavaScript tag, embedded in your platform. Pipe SMB events to Kayna and our agent runs the loop end-to-end — detection, remediation, broker hand-off — without any AI plumbing on your side. Same SMB experience, lower lift.
Drop in the kayna.js snippet
Send risk events from your backend
Kayna’s agent drives the experience inside your UI
Your Platform
Coverage update needed
We've spotted a gap in your professional indemnity cover. Review & submit in 90 seconds.
Headcount14 → 22
Cover required£2m
Current cover£1m
Continue application
Phase one, in action

Your agent reads the risk the moment it changes.

01

Detects the gap before the SMB knows about it.

Every change in platform data is evaluated against the SMB's current policy. Material gaps are flagged and severity-tagged — ready to send as a risk report.

Platform view · step 12
02

Surfaces a one-tap remediation in the SMB's own platform.

The widget opens inside the platform the SMB already trusts to run business operations. Pre-filled, side-by-side compare, three quick confirms — that's it.

SMB widget · step 18
03

Binds straight-through. Or hands off to a broker.

Standard cases close in seconds via the broker network. Complex ones route to a human — but the agent owns the case end-to-end. Every outcome is a placed policy.

SMB widget · step 22
Embedded insurance · end-to-end

From gap detected to policy bound.

The agent console walks a complete cover remediation — detecting the gap, building a prefilled application, and binding straight-through via the broker network. Four vertical platforms, one workflow.

kayna.io · agent console
Interactive demo
Press play in the console to walk through the full bind — or click any step on the timeline to scrub.Open fullscreen
For the SMB · zero friction

Pre-filled. Three confirms. Policy bound.

Platform data pre-fills the application before the SMB ever sees it. What’s left is three quick confirms — then a real, bindable quote in seconds.

46 / 52fields auto-filled from platform data
3quick confirms from the SMB
< 2 minstraight-through to bound
1
Application pre-filled from platform data
Revenue, headcount, business type, current limits, use-of-funds — every field Kayna can read from your platform is filled automatically. The SMB sees a near-complete form, not a blank questionnaire.
46 / 52 fields complete
2
Three quick confirms from the SMB
Only what the platform can't know: a revenue attestation, 5-year claims history, and any product-recall history. Each is a single checkbox tap — done in under 30 seconds.
~30 seconds
3
Real, bindable quote returned
Straight-through where the risk fits the programme. Broker review only when underwriting genuinely needs a human. The quote shows carrier, premium, limit and endorsements — nothing to figure out.
Straight-through bind
4
Policy bound. COI issued. Loop closed.
The gap is closed. The certificate is issued to whoever needs it — the retailer, the principal, the property manager. The triggering event is logged as resolved in your platform.
COI issued automatically
SMB view · kayna.js widget
The services

The AI Risk Manager, as tools your agent calls.

One MCP connection exposes risk intelligence as callable tools. Phase 1 reads and monitors; Phase 2 turns the same gaps into placed cover — the transactions your platform shares in.

Phase 1 · Live nowRead & monitor risk
get_risk_profileRead
Live risk score and band for any customer, read straight from your platform data.
list_coverage_gapsRead
Every open gap on an account, ranked by severity and exposure.
evaluate_coverage_gapRead
Compares current cover to requirements and explains why a gap exists.
assess_exposureRead
Quantifies the dollar exposure sitting behind each open gap.
recommend_actionRead
The specific fix to close each gap — in plain language the SMB understands.
monitor_signalsAlways on
Re-scores the moment a triggering event fires — a new site, a headcount change, a new contract.
Phase 2 · ExpandQuote to bind
create_prefillWrite
Builds a pre-filled application from data you already hold — the SMB confirms a few fields.
handoff_to_brokerAct
Orchestrates the broker panel and returns real, bindable quotes from multiple carriers.
bind_policyAct · Revenue
Binds the chosen quote and issues the COI — the transaction your platform shares in.
One MCP endpointhttps://mcp.kayna.io/{partner-id}/mcp
What your platform gets

Start with the risk layer. Add insurance only if you want to.

The risk layer makes your copilot more capable today — that’s the whole product. Embedded insurance is a fully optional second phase that turns the gaps it surfaces into a revenue line.

Phase 1 · Live now

A risk layer that makes your agent more capable

It scores risk, ranks gaps and explains them — so your copilot finishes more jobs. A capability rivals can’t quickly reproduce, and it stands entirely on its own.

Phase 2 · Optional

Turn surfaced gaps into revenue — if and when you want

Switch on embedded insurance to quote and bind in-product. Every bound policy is shared revenue — but it’s never required to get value from Phase 1.

The commercial model

We charge for the risk layer. Embedded insurance turns it into revenue.

Phase 1 · A cost line

You pay for the risk layer

A predictable platform licence plus a small per-customer fee — budgeted like any tool, scaling only as you grow. No renegotiation, no carrier integration.

Phase 2 · A revenue line

The risk layer pays you back

Switch on embedded insurance and Kayna shares fees on every policy the triggers generate — separate from the platform fee, pure upside.

The platform that was paying for risk intelligence is now earning from it.
For brokers & carriers

New distribution, without new technology.

Kayna doesn’t only sit on the platform side. The same agent that detects an SMB’s coverage gap delivers a clean, data-rich opportunity to the brokers and carriers who place the risk — matched to appetite and ready to bind.

Brokers

Service more SMB risk with less manual work — and keep the client relationship.

Decision-ready submissions.Applications arrive structured and pre-filled — not as an email back-and-forth.
In-context demand. Reach SMBs at the moment of need, inside the platforms they already run their business on.
Automated servicing.Kayna’s agent handles detection, pre-fill and chasing; you advise and place where it counts.
Earn on every placement. Straight-through where possible, human review when the risk genuinely needs it.
Carriers & MGAs

A new, data-led channel into commercial SMB risk — matched to your appetite.

Appetite-matched flow. Only see risks that fit, with structured data mapped to your underwriting rules.
Richer submissions. Live platform data enriches every application, cutting triage and adverse selection.
Straight-through bind. Quote and bind in seconds on standard cases via API.
Portfolio at scale.Embedded across multiple verticals and platforms — diversified by sector and geography.
Kayna is the orchestration layer  between carriers, brokers and the SaaS platforms SMBs already use — data-led, low-code, and built around the platform’s customers.
Company

Built by serial insurtech founders.

Kayna is the technology and data orchestration layer between Carriers, Brokers and SaaS platforms — enabling embedded insurance distribution that’s data-led, low-code, and built around the platform’s customers. Founded in 2021 in Cork, Ireland, the company is now track to enable US$1bn in commercial insurance transactions by 2031.

Paul Prendergast
Paul Prendergast
CEO & Co-founder
Serial entrepreneur and former Deloitte Fast 50 winner for fastest-growing technology company in Ireland. Co-founded Blink Parametric with Peter Bermingham in 2016 (acquired by CPP Group in March 2017) delivering the world's first real-time resolution flight cancellation insurance product. Since co-founding Kayna in 2021, Paul has led the business through successful funding rounds, secured strategic partnerships and award-winning global recognition for InsurTech innovation.
LinkedIn
Peter Bermingham
Peter Bermingham
CTO & Co-founder
Peter has 30 years’ experience in the software industry across the fintech sector and within global technology companies. He has partnered with Paul Prendergast for 2+ decades. With an extensive patent portfolio for innovative software design solutions, he is an established thought leader in the design and delivery of transformative technology. His design approach focuses on prevention rather than cure, knowing that quick decisions benefit the value chain by reducing claim and underwriting costs, whilst increasing customer satisfaction.
LinkedIn
Milestones

From Cork to the global insurtech 50.

2021
Kayna founded
Developed inside the Founders Factory Venture Studio in collaboration with Aviva.
2023
Lloyd's Lab alum · InsurTech NY winner · €1m pre-seed
Cohort 9 of the Lloyd's Lab Accelerator. Won the InsurTech NY Carrier/Broker Competition for Global Early-Stage Insurtech. Closed a €1m pre-seed co-led by Delta Partners and MiddleGame Ventures, with Aperture and InsurTech NY.
2024
WTW global partnership announced
Strategic partnership with WTW (Willis Towers Watson · NASDAQ: WTW) to deliver embedded, data-led affinity insurance programs across the US and UK — Affinity Insurance 2.0, set to play a pivotal role in WTW’s commercial and consumer programs.
2025
Signal 50 · TechCrunch Disrupt
Named to Sonr's ‘Signal 50’ list of the top 50 global InsurTechs. Showcased at TechCrunch Disrupt San Francisco as one of 10 high-potential Enterprise Ireland companies.
2026
€1.5m seed · InsurPitchDublin winner · UK & US expansion
Seed round led by Delta Partners with MiddleGame Ventures, Aperture, Leo Capital, Enterprise Ireland and Digital Irish Venture Fund. Won InsurPitchDublin 2026 — earning the opportunity to represent Ireland and Europe at Guidewire Connections in Las Vegas. On track to enable US$1bn in commercial insurance transactions by 2031.
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Kayna news

Latest developments.

Funding, partnerships, recognition — the moments shaping how Kayna is building embedded insurance infrastructure.

Get in touch

Point your agent at Kayna. Pilot one program.

Start with Phase 1 — AI Risk as a service on one program — then expand into embedded insurance when you’re ready. Zero lock-in.

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