insurance.law
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Supreme OS · Vertical #20

insurance.law

AI commercial insurance broker for UK SMEs, landlords, and contractors. Audit current cover, generate multi-insurer quotes, manage certificates and renewals — at £19/month.

£20bn
UK commercial GWP
1.4m
UK employers (EL compulsory)
£2,500/d
Fine for no EL cover
82%
Stack reuse
£6,800
5-week build
120×
Y1 return multiple
⚖ Regulatory architecture: insurance.law is a technology platform. It does not place insurance and is not FCA-authorised. Every regulated activity — advice, suitability, placement — sits inside Supreme Capital Limited, the FCA Authorised / AR entity. insurance.law charges a technology SaaS fee; Supreme Capital earns commission on policies it places. Read STRATEGY.html § Regulatory architecture before building.
Documents
📊
Strategy
Market thesis · regulatory architecture · GTM · revenue model · exit comparables
🔧
Tech Reuse Blueprint
82% reuse audit · net-new build spec · 5-week plan · API routes · DB schema
📐
Product Spec
User journeys · feature spec · DB schema · 8 API routes
📅
Build Plan
5-week sprint · £6,800 budget · resource plan · risk register
🌐
Landing Page
Customer-facing site · free EL audit lead magnet · 3 pricing tiers
🤖
Claude Project Setup
Project instructions + 7 India team prompts for daily ops
⚙
Runtime Dashboard
Operational view · deployment surface · module health
📦
Developer Pack
Snap modules · n8n · templates · SQL · railway · manifest
Vertical Status
Status
Pre-Launch
Target: Q1 2027
Build Cost
£6,800
5 weeks · 82% reuse
Y1 Revenue Target
£800k
SaaS + commission split
Return Multiple
120×
Y1 revenue ÷ build cost
Exit Zone
£60–140m
Y5–7 · 8–15× ARR
Primary Channel
Zero-CAC
employ.law + form.law + landlord.tax
Snap-Tool Architecture (82% reuse)
supreme capital
FCA AR Foundation
100%
The regulatory entity that places policies and earns commission
employ.law
Worker Engine
80%
Employee count drives EL premium · workplace risk profile
form.law
New-Co Trigger
95%
Company formed → insurance audit prompt at first-employee event
landlord.tax
Landlord Profile
75%
Property portfolio data for landlord cover
pension.law
Renewal Cron
70%
Same pattern as re-enrolment cycle · 30/14/7-day alerts
apex saas
Document Factory
80%
Certificate vault · renewal letters · gap-analysis reports
sole.tax
Sole Trader Profile
60%
Trade type + turnover for PI banding
Session Rules
  1. FCA boundary always. insurance.law does not advise, recommend or place insurance. Supreme Capital does. Any feature drifting toward regulated activity routes through the AR handshake.
  2. "Place cover" is a handshake. The CTA hands the customer to Supreme Capital, which conducts the regulated sale and earns the commission. insurance.law charges the SaaS fee separately.
  3. Audit-first framing. Customer journey starts with auditing existing cover, not selling new cover. Trust precedes premium.
  4. Audit is panel-agnostic. The quote engine is panel-dependent. The audit is not. Never bias audit output toward Supreme Capital's panel preferences.
  5. Certificate vault is the daily-use feature. EL certificate display is legally required; renewals matter monthly. The vault is what brings the customer back.
  6. trained QA reviewer on claims advocacy. Claims are emotional. Pure AI breaks trust. trained QA reviewer reviews every claim communication before send.
  7. Cross-sell on events, not schedule. Hired first employee → EL prompt. Bought first property → landlord prompt. Took on first client → PI prompt.
  8. Multi-renewal calendar is the moat. A customer with three policies up for renewal in different months across multiple insurers is structurally retained.