Detailed Review of Cozmo AI - AI Agent Software (2026)

What is Cozmo AI?

Cozmo runs the work across the property and casualty chain. AI agents answer every call, document the loss, make policy decisions and update your system of record. Carriers, TPAs and restoration contractors run on one rail. YC-backed. 2M+ production calls. Cozmo agents answer every call, read the documents, apply your rules and update the system of record. One workforce for property carriers, third-party administrators and the restoration contractors who show up in the field. Conversations, documents and decisions each live in a different system, and the real work still gets done by hand inside core platforms. Cozmo runs all of it in one place, from the first call to the settled payment, so nothing gets dropped between the handoffs.