A founder-operated fleet supplies the first real workflow.
AI-native commercial insurance brokerage
Insurance for independent rental fleets.
One source-linked risk file for every vehicle, so a growing fleet can place and service coverage without starting from zero.
- Built inside
- A 30-vehicle fleet
- Starting with
- 5-100 rental vehicles
- Operating model
- AI operators + licensed review
One account, always current
- Connect
- Submit
- Service
- Renew
- Support a loss
01 / Founder origin
It started with a quote that took weeks.
The problem was not discovered in a market report. It was already sitting inside Fan's fleet.
May 2026
Fan operated 30 rental vehicles and had real trip, maintenance, repair, and damage records. Yet obtaining private-rental coverage through a broker still took weeks.
His short operating history narrowed carrier interest, while the evidence needed to explain the fleet remained fragmented across platforms, spreadsheets, repair shops, policies, and email.
The insight
Insurers were pricing the fleet's underlying risk and the uncertainty surrounding its evidence.
Yudong recognized the same information problem she studies in financial protection: better evidence should help markets distinguish a well-run young operation from a genuinely weak risk. Fan knew how to build the AI operators to keep that evidence current.
Track quote time, missing evidence, terms, and service work.
AI prepares the work; licensed professionals make decisions.
02 / 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 risk
- Vehicle schedules and ownership
- Driver and trip activity
- Maintenance and loss history
- Coverage states and operating controls
Reconstruct the evidence
- Photos, estimates, and invoices
- Trip and responsibility evidence
- Repair status and vehicle downtime
- Emails, portals, and follow-ups
03 / 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
04 / 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
05 / 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 rental fleets. 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 rental fleets.
Five to one hundred vehicles.
Adjacent commercial fleets come later. The first product stays close to the workflow we operate ourselves.
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
Design-fleet partners
Bring us the renewal
that still lives in email.
We are speaking with independent operators managing 5-100 rental vehicles.