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# Contract with SafeHaven Property Insurance for Homellm
**Contract Date:** May 3, 2025
**Contract Number:** HM-2025-E-0112
**Parties:**
- Insurellm, Inc.
- SafeHaven Property Insurance, Inc.
---
## Terms
1. **Coverage:** Insurellm agrees to provide SafeHaven Property Insurance with enterprise access to the Homellm platform, including white-label capabilities, unlimited policies, dedicated infrastructure, and comprehensive IoT integration for their property insurance operations.
2. **Duration:** This agreement is effective for a period of 36 months from the contract date.
3. **Payment:** SafeHaven Property Insurance shall pay custom Enterprise Tier pricing of $22,000 per month for months 1-12, $24,000 per month for months 13-24, and $26,000 per month for months 25-36, totaling $864,000 over the contract term.
4. **Policy Volume**: Enterprise Tier supports unlimited policies. SafeHaven currently has 45,000 active homeowners policies across 6 states.
5. **Service Level Agreement:** Insurellm guarantees 99.9% platform uptime measured monthly, with 7% monthly credit for each 0.1% below target, maximum 35% monthly credit.
6. **Confidentiality:** Both parties agree to maintain strict confidentiality of proprietary algorithms, property data, pricing models, and business strategies.
7. **Data Security:** Insurellm maintains SOC 2 Type II compliance, ISO 27001 certification, and annual third-party security audits.
---
## Renewal
This agreement includes a 90-day mutual renewal notice period. SafeHaven receives most-favored-customer pricing and priority access to new features including climate risk modeling and IoT innovations.
---
## Features
SafeHaven Property Insurance will receive the complete Homellm Enterprise suite:
1. **Unlimited Policy Administration:** Full support for SafeHaven's 45,000+ policies with scalability to 200,000+ policies as business expands.
2. **White-Label Platform:** Complete branding customization:
- Custom domains (quote.safehavenproperty.com, myhome.safehavenproperty.com)
- Branded mobile apps for iOS and Android with custom UI
- Customized policyholder communications
- Co-branded agent and broker portals
3. **Advanced AI Risk Assessment:** Enterprise-grade property risk analysis:
- Aerial imagery analysis for roof condition, vegetation, and hazards
- Property characteristic assessment (age, construction, square footage)
- Location-based risk scoring (wildfire, flood, hail, wind, earthquake)
- Catastrophe modeling integration (RMS, AIR, CoreLogic)
- Replacement cost estimation with inflation trending
- Neighborhood risk assessment
- Claims history analysis across all carriers
- Credit-based insurance scoring
4. **Dynamic Pricing Model:** Sophisticated pricing engine:
- Real-time rate optimization across 200+ rating variables
- Competitive intelligence and market positioning
- Capacity-based dynamic pricing
- Multi-policy bundling discounts
- Loyalty and tenure credits
- Loss-free discount automation
- Telematics and IoT-based discounts
5. **Instant Claims Processing:** Advanced claims automation:
- AI-driven FNOL with photo/video upload
- Computer vision damage assessment
- Automated repair cost estimation
- Contractor network integration with 2,000+ vendors
- Claims routing and assignment
- Payment automation with multi-party splits
- Fraud detection with pattern analysis
- Subrogation opportunity identification
6. **Predictive Maintenance Alerts:** IoT-powered risk prevention:
- Integration with smart home devices (water leak sensors, smoke detectors, security systems)
- Weather alert system with pre-storm notifications
- Freeze warning and pipe burst prevention
- Roof deterioration monitoring
- HVAC and appliance failure prediction
- Wildfire proximity alerts
- Proactive policyholder communication to prevent losses
7. **Multi-Channel Integration:** Unified platform:
- Agent portal for 1,500+ independent agents
- Direct-to-consumer quoting engine
- Broker portal with co-branding
- Call center integration
- Web and mobile app quoting
- Smart home device connectivity
8. **Customer Portal:** Comprehensive self-service:
- 24/7 policy access and document retrieval
- Coverage modification requests
- Digital insurance cards
- Claims submission and tracking
- Payment processing and billing history
- Smart home device management
- Maintenance reminders and home care tips
- Disaster preparedness resources
9. **IoT Device Integration:** Smart home platform:
- Water leak detection systems (Flo by Moen, Phyn, LeakSmart)
- Smart smoke and CO detectors (Nest Protect, First Alert)
- Security systems (Ring, SimpliSafe, ADT)
- Smart thermostats (Nest, Ecobee)
- Weather stations
- Roof monitoring sensors
- Premium discounts for IoT adoption (up to 20%)
- Real-time alerts and intervention protocols
10. **Complete API Access:** Unlimited API calls:
- Integration with SafeHaven's core systems
- Third-party data providers (CoreLogic, Verisk, LexisNexis)
- Catastrophe modeling systems
- Agent management platforms
- Payment processors
- Document management systems
- Marketing automation
11. **Multi-State Operations:** Comprehensive support:
- State-specific forms and endorsements for all 6 states
- Regulatory compliance monitoring
- Rate and form filing management
- Multi-state licensing tracking
- Catastrophe response protocols by state
12. **Catastrophe Management:** Disaster response tools:
- Pre-CAT modeling and exposure management
- Real-time storm tracking and impact assessment
- CAT claims triage and routing
- Mobile claims team dispatch
- Vendor surge capacity activation
- Policyholder communication campaigns
- Emergency payment processing
---
## Support
Insurellm commits to comprehensive Enterprise-level support for SafeHaven Property Insurance:
1. **Dedicated Success Team:**
- VP-level executive sponsor with quarterly strategic reviews
- Senior Customer Success Manager with bi-weekly check-ins
- Technical Account Manager for system optimization
- Solutions Architect for IoT and innovation projects
- Quarterly executive business reviews with detailed metrics
2. **24/7/365 Premium Support:**
- 20-minute response time for P1 critical issues
- 1-hour response for P2 high-priority issues
- 4-hour response for P3 standard issues
- Dedicated support team familiar with SafeHaven's operations
- Private Slack channel with engineering access
- Emergency CAT response team (15-minute response during disasters)
- Quarterly on-site visits (minimum 4 per year)
3. **Comprehensive Implementation:**
- 8-month phased implementation program
- Dedicated project manager and PMO
- Migration of 45,000 policies from legacy system
- Training for 60+ staff members
- Agent training program for 200+ top-producing agents
- Parallel processing for 90 days
- Go-live support with 6-week on-site presence
4. **Training and Enablement:**
- Comprehensive role-based training programs
- Underwriter certification on AI risk assessment
- Claims adjuster training on computer vision tools
- IoT device training for customer service reps
- Train-the-trainer program for SafeHaven's team
- Annual user conference attendance (5 attendees, all expenses)
- Monthly advanced training webinars
- Unlimited online learning platform access
5. **Custom Development:**
- 1,200 hours annually of custom development
- Dedicated development resources for SafeHaven-specific features
- Priority feature requests with roadmap inclusion
- Beta access to new features 60 days before general release
- Joint innovation projects for smart home and IoT
- Climate risk modeling enhancements
6. **Integration Services:**
- Enterprise integration with SafeHaven's systems:
- Duck Creek policy administration
- Applied Epic agency management
- Guidewire ClaimCenter
- IoT platforms (Nationwide Canopy, Ting, others)
- Catastrophe modeling (RMS RiskLink)
- Payment processors
- Salesforce CRM
- Dedicated integration engineer (40% FTE)
- Quarterly integration health assessments
- Load testing before peak seasons (hurricane, wildfire)
7. **Analytics and Reporting:**
- Custom dashboard development (up to 20 dashboards)
- Real-time operational dashboards for underwriting and claims
- Executive dashboards with drill-down analytics
- Automated reporting suite (daily, weekly, monthly, quarterly)
- Ad-hoc analytics support (25 requests/month)
- Industry benchmarking against top property insurers
- Catastrophe exposure and aggregation reporting
- IoT adoption and loss prevention analytics
8. **IoT and Innovation Support:**
- Quarterly IoT strategy sessions
- New smart home device evaluation and integration
- Pilot programs for emerging technologies
- Consumer education materials for IoT programs
- Marketing campaign support for smart home initiatives
9. **Catastrophe Response:**
- Dedicated CAT support during disaster events
- Pre-CAT system preparation and testing
- Real-time claims surge capacity support
- Post-CAT analysis and lessons learned
- Annual CAT preparedness drills
10. **Continuous Improvement:**
- Quarterly process optimization workshops
- Annual efficiency audits with ROI documentation
- Best practice sharing from insurance industry
- Innovation lab for climate risk, AI, and IoT
- Joint whitepapers and case studies
- Speaking opportunities at industry events
---
**Signatures:**
_________________________________
**Jennifer Rodriguez**
**Title**: Chief Executive Officer
**Insurellm, Inc.**
**Date**: May 3, 2025
_________________________________
**Laura Mitchell**
**Title**: President & Chief Executive Officer
**SafeHaven Property Insurance, Inc.**
**Date**: May 3, 2025
---
This agreement establishes SafeHaven Property Insurance as a leading enterprise partner in property insurance innovation, leveraging Homellm's AI, IoT integration, and catastrophe management capabilities. This contract supersedes all prior agreements.