# 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.