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.

MCP One 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 to what they’re actually doing — the risk-manager no SMB has in-house, 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 shortfall CRITICALAggregate shortfall HIGHAI missing HIGHScope 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 the revenue.

Phase 1 Live 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 2 Expand

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 / 52 fields auto-filled from platform data
3 quick confirms from the SMB
< 2 min straight-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 now Read & 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 · Expand Quote 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 endpoint https://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.
The trigger is the change itself

Every business event is a risk signal.

The agent is vertical-agnostic. The events that fire it differ by platform — the outcome is always the same: re-score, surface the gap, recommend the fix.

Legal
New contract with indemnity clause
New jurisdiction or practice area
New client above a revenue threshold
Accountancy
Revenue crossing a pricing band
New payroll employee added
New business activity registered
HR / Payroll
Headcount crossing a threshold
New role type or classification
New work location added
Construction
New project site opened
New subcontractor engaged
Contract value above threshold
Franchise
New franchise location opened
Franchise agreement insurance clause
Franchisor named as additional insured
Property
New property or tenant type
Renovation works commenced
New jurisdiction added
E-commerce
Revenue threshold crossed
New fulfilment location
New product category launched
Marketplaces
New high-GMV seller onboarded
New product category enabled
Cross-border selling switched on
Legal

Every new matter rewrites the firm’s liability.

A fresh engagement, a new indemnity clause, a move into a different practice area or jurisdiction — each shifts a law firm’s professional-indemnity exposure. Most firms only revisit cover once a year, at renewal.

Kayna reads the risk the moment it changes inside the practice-management platform: it parses the engagement’s indemnity terms, checks them against the firm’s PI cover, and surfaces the gap while the matter is still being opened.

Indemnity read from the engagement
Required limits and endorsements pulled straight from the matter’s contract terms — not a once-a-year guess.
PI matched to matter value
Professional-indemnity limits sized to the value and risk of the work actually being taken on.
New jurisdiction & run-off flagged
Cross-border work and departing-partner run-off needs caught before they become uninsured exposure.
Accountancy

Fee income climbs. The PI limit should climb with it.

Accountancy PI is priced off fee income and the mix of services. As a firm crosses a revenue band, adds audit or tax-advisory work, or onboards a larger client, its required cover quietly moves — but the policy doesn’t.

Kayna watches those events on the practice platform and recalculates in real time, flagging when fee growth or a new service line has pushed the firm past its current limit.

Limits indexed to fee income
Cover tracks revenue bands automatically, so a growing firm never drifts under-insured.
New service lines caught
Moving into audit, tax advisory or insolvency work flags the added liability the moment it starts.
Client money & cyber
Higher-risk engagements surface client-money and cyber requirements alongside core PI.
HR & Payroll

Every hire and new location moves the employer’s exposure.

Headcount crossing a threshold, a new role classification, a first employee in another state — each changes an employer’s liability, EPLI and workers’-comp obligations. HR teams rarely connect those dots to insurance.

Kayna sits in the payroll platform and reacts as the workforce changes: it maps new headcount and locations to the right statutory cover and flags where the current program falls short.

EPLI scaled to headcount
Employment-practices limits rise with the team, sized to real workforce risk.
Cover per work location
New states and sites trigger the workers’-comp and employer’s-liability lines each one legally requires.
Classifications checked
New role types and contractor-vs-employee changes are flagged before they create a coverage gap.
Construction

A new project. A new vendor. A new compliance gap.

Every site opened and subcontractor engaged comes with its own insurance requirements — GC vendor packs demanding specific limits, excess layers and additional insureds. Chasing certificates by email is slow and leaky.

Kayna reads the vendor pack the moment a sub is assigned, compares it to their cover, and binds the top-up — delivering the certificate back into the platform with everyone named correctly.

Vendor-pack requirements parsed
GC and owner requirements extracted from the pack — not re-keyed by hand.
Project-bound limits & excess
GL, excess and builder’s-risk cover matched to the specific job and contract value.
Additional insureds handled
GC and project owner added as AI, primary and non-contributory, automatically.
Franchise & franchisor

The franchisor sets the requirement. Kayna makes the network keep it.

Every franchise agreement mandates insurance — minimum limits, the right lines, the franchisor named as additional insured. But a brand can't see, chase, or enforce that across hundreds of independently-owned units. Lapses and under-coverage become the franchisor's exposure.

Kayna sits inside the franchise-management platform and closes the loop the moment a unit is opened: it reads the agreement's insurance schedule, detects the gap, binds compliant cover, and writes proof back — with the franchisor automatically named as additional insured.

Agreement-driven, not guesswork
Coverage requirements read straight from the franchise agreement's insurance schedule — every unit held to the brand standard.
Franchisor protected by default
Brand HQ named as additional insured, primary & non-contributory, on every policy bound through the platform.
Network-wide compliance, live
Every location flips to compliant as cover binds — turning a blind spot into a real-time view across the whole network.
Property

New buildings, tenants and works each carry their own risk.

A property portfolio shifts constantly — a new asset or tenant type, renovation works starting on site, expansion into another jurisdiction. Each changes the property, liability and business-interruption cover needed.

Kayna tracks those changes in the property-management platform and re-checks cover as they happen, flagging under-insurance against rebuild values and works in progress.

Property & BI to rebuild value
Sums insured and business-interruption limits kept in line with current rebuild costs.
Works & renovations covered
Contract-works and liability cover triggered the moment renovation starts on a site.
New jurisdictions flagged
Expansion into a new region surfaces the local cover and endorsements it requires.
E-commerce

Each new product and market opens a new liability line.

An online seller’s risk moves with the catalogue: a revenue threshold crossed, a new fulfilment location, a new product category launched. Each can demand product-liability, cyber or cargo cover the merchant hasn’t bought.

Kayna reacts to those events on the commerce platform, mapping new categories and channels to the cover they require and surfacing the gap before a claim does.

Product liability per category
New product lines trigger the product-liability cover that category actually needs.
Cyber & data cover
Rising order volumes and stored customer data flag cyber and data-breach exposure.
Cargo & new fulfilment
New warehouses and shipping lanes surface cargo and transit cover automatically.
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. On 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.
Backed by
Kayna news

Latest developments.

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

Winner · InsurPitchDublin 2026 Kayna team accepting the InsurPitchDublin 2026 winner's trophy on stage
Award 2026 · Guidewire InsurPitchDublin
Kayna wins InsurPitchDublin 2026 — sponsored by Guidewire.
For the first time in InsurPitch history, two winners. Congratulations to the Kayna team — alongside Miss Moneypenny Technologies — for taking the trophy at this year’s competition.
Event 2026
Selected as Top 5 finalist for InsurPitchDublin 2026.
Five insurtechs, five minutes each, a room full of P&C leaders. Kayna pitching the embedded insurance infrastructure thesis.
Thought piece 2026
The new front door: how AI is rewriting insurance distribution.
By Paul Prendergast, CEO. The AI distribution shift is happening on two fronts simultaneously — and most incumbents are only watching one of them.
Funding Mar 2026
Kayna raises €1.5m to expand in UK and USA.
Seed funding led by Delta Partners, supporting market expansion of Kayna’s data-led insurance distribution infrastructure across the UK and USA.
Partnership 2026
Kayna, Willis & Belfry partner on insurance for security providers.
Security operators access tailored cover directly inside the Belfry platform — timely quotes for coverage gaps, premium savings and reduced audit risk via pay-as-you-go insurance.
Event 2025
Kayna sponsors Vertex: The Vertical Software Conference.
One day in NYC bringing together the founders and operators of the world’s most innovative and recognisable vSaaS platforms.
Event Oct 2025
Kayna at TechCrunch Disrupt 2025 with Enterprise Ireland.
One of 10 high-potential Enterprise Ireland-supported companies showcasing Kayna’s embedded insurance infrastructure to 10,000+ founders, investors and tech leaders in San Francisco.
Recognition Oct 2025
Kayna makes ‘Signal 50’ — top 50 InsurTechs in Sonr’s Beyond Boundaries study.
Recognised for solving critical problems, gaining traction and being set to shape the industry over the next three to five years.
Partnership 2025
Kayna & Willis bring Markel bloodstock solution to Equine MediRecord.
Global leader in equine digital health software now offers an equine mortality insurance solution embedded directly into its vertical SaaS platform.
Webinar 2025
WTW + Kayna webinar: The Embedded Edge.
Unlocking SaaS growth via embedded insurance solutions, with WTW.
Event Jun 2025
Tech Industry Alliance — TechBrew, 26 June 2025.
Looking at the business of tech and the leadership journeys that shape the sector.
Company 2025
Kayna welcomes Minister Troy to Cork HQ as 13 new jobs announced.
Minister of State Robert Troy T.D. and Enterprise Ireland specialists visit Kayna’s headquarters for a meeting on innovation, international growth and government support for Irish tech.
Webinar 2025
Insurtech Insights webinar: closing SME protection gaps.
An expert panel explores the evolving SME landscape and the vital role of insurance in driving resilience and sustained growth.
Event 2025
Insurtech Insights Europe 2025.
Where insurance meets technology. CEO Paul Prendergast joins an expert panel session dedicated to SME insurance.
Event Mar 2025
Open & Embedded Insurance Observatory — London Plenary 2025.
Paul Prendergast joins a 15-strong speaker panel on 18 March, alongside 150+ embedded and affinity insurance experts — carriers, brokers, distributors, insurtechs and VCs.
Event Jan 2025
PIMA 2025 Winter Insights Conference.
Kayna shares the stage with executive leaders and innovators in the Affinity market, 27–30 January in Clearwater Beach, Florida.
Partnership 2025
Kayna & WTW partner with Vibrant on supply-chain cyber compliance.
Kayna and WTW partner with Vibrant, the Easton, Pennsylvania platform managing third-party vendor cybersecurity oversight by tracking insurance coverage across complex supply chains.
Webinar 2025
Kayna + WTW webinar special — USA.
A webinar special on embedded insurance, dedicated to the diverse community of US vertical SaaS platforms serving SMBs.
Webinar 2025
Kayna + WTW webinar special — UK.
A webinar special on embedded insurance, dedicated to UK vertical SaaS platforms serving SMEs.
Event 2024
InsTech.ie — Embedded Insurance: changing insurance for SMEs.
Kayna and WTW in the spotlight at InsTech.ie, on how embedded insurance is changing cover for SMEs.
Recognition Nov 2024
Kayna featured on WTW’s Q3 2024 earnings call.
WTW CEO Carl Hess names Kayna among strategic WTW partnerships during the Q3 2024 earnings conference call.
Event 2024
InsTech.London — Embedded Insurance for SMEs.
Kayna at InsTech.London on ‘More production, less exertion: intelligent underwriting journeys.’
Partnership Sep 2024
WTW partners with Kayna on next-generation Affinity insurance for SMEs.
WTW (NASDAQ: WTW) partners with Kayna to drive next-generation Affinity insurance product solutions for UK and US-based SMEs.
Partnership Apr 2024
Kayna explores options with AEGIS London.
Kayna and AEGIS London explore options to bring embedded insurance infrastructure to vertical SaaS platforms.
Funding Sep 2023
Kayna raises €1 million pre-seed.
Kayna closes a €1 million pre-seed round to build out its embedded insurance infrastructure platform for vertical SaaS.
Recognition Apr 2023
Irish InsurTech Kayna wins Insurtech NY award.
Kayna wins the Insurtech NY award for its embedded insurance infrastructure enabling distribution through vertical SaaS platforms.
Company 2023
Kayna launches its vertical SaaS embedded insurance solution.
Kayna cracks the problem of over- and under-insurance by harnessing SMB data to deliver real-time policy adjustments inside vertical SaaS platforms.
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.

Get in touch