Reconstruct the risk
- Vehicle schedules and ownership
- Driver and trip activity
- Maintenance and loss history
- Coverage states and operating controls
AI-native commercial insurance brokerage
Insurance for independent vehicle-rental businesses.
One source-linked risk file for every vehicle, from the first commercial vehicle through fleet scale.
- Built inside
- A 30-vehicle fleet
- Starting with
- Owner-operated rentals
- Operating model
- AI operators + licensed review
One account, always current
- Connect
- Submit
- Service
- Renew
- Support a loss
01 / The problem
Small-fleet insurance still runs on reconstruction.
A small account can require the same schedules, loss runs, applications, and follow-up as a much larger fleet. Owners rebuild the operation for placement, then rebuild it again after a loss.
Reconstruct the evidence
- Photos, estimates, and invoices
- Trip and responsibility evidence
- Repair status and vehicle downtime
- Emails, portals, and follow-ups
02 / The product
A brokerage that remembers.
Indem becomes the insurance relationship and uses AI agents as its internal operating system. Customers buy coverage placed and serviced, not another dashboard.
- 01
Connect the operation
Bring together vehicles, trips, maintenance, policies, repairs, and historical losses from existing systems.
- 02
Build the risk file
Maintain a source-linked record for every vehicle instead of rebuilding a static application each year.
- 03
Run the brokerage work
Prepare market-specific submissions, track requirements, coordinate policy changes, and start renewals early.
- 04
Preserve evidence for a loss
Carry the trip, condition, maintenance, and repair record into an organized package for qualified claims partners.
Illustrative risk file
Vehicle UW-014Vehicle stateReady
Records18 linked
Open items2
Submission queueCurrent
Vehicle schedule14 records verifiedReady
Loss historyTwo details requestedReview
Market submissionLicensed approval requiredQueued
03 / Continuity
Better evidence before something goes wrong.
Rental vehicles move between platform trips, direct rentals, off-rent activity, maintenance, and repair. Indem preserves those changes so the risk is easier to explain and a future loss does not begin with a blank folder.
Structured intake from records the fleet already has
Persistent carrier, policy, and repair follow-up
Licensed review for regulated actions
04 / Customer outcome
Coverage placed, serviced, and renewed.
The exact program depends on the fleet, state, rental channels, usage, history, and carrier appetite. Indem coordinates available coverage without promising a price or policy before underwriting.
Commercial auto
Liability and physical-damage placement structured around the fleet's actual rental operation.
Account service
Vehicle changes, certificates, evidence requests, and open requirements kept in one workflow.
Renewal preparation
A current risk file replaces the annual scramble to recreate the fleet's operating history.
Loss evidence support
Source-linked records organized for carriers and appropriately licensed claims professionals.
A narrow wedge in a large economy
Start with vehicle rental. Build for transportation.
Transportation services contributed $1.9 trillion to the U.S. economy in 2024. Indem starts where the founders have direct operating access, then earns the right to serve adjacent small commercial fleets.
- 30
- Vehicles in the first design environment
- 9,548
- U.S. passenger-car rental employer establishments
- 6.3%
- Transportation services share of enhanced U.S. GDP
Sources: U.S. Bureau of Transportation Statistics and U.S. Census Bureau.
Initial operating class
Independent vehicle-rental businesses.
From first vehicle to fleet scale.
We begin with owner-operators managing insurance, repairs, and claims without an internal risk team. Adjacent commercial fleets come later.
Owner-led insurance and service work
Cars, SUVs, and light-duty passenger vans
Platform, direct, or mixed rental activity
Digital trip, repair, or maintenance records
Start now
Talk to the founding team. Today.
No form and no ticket queue. Call or text us directly about your rental business, your next renewal, or the insurance work that keeps falling back on you.
We are inviting independent vehicle-rental operators to become design partners.