# Humbrela

> AI risk-intelligence platform for insurance brokers in Switzerland and France. Consolidates every client protection, detects coverage gaps and duplicates, surfaces revenue opportunities — without replacing the broker's CRM.

Humbrela is a B2B SaaS platform serving insurance brokers (courtiers en assurance), MGAs, and independent advisors. It is NOT a CRM. It adds an AI intelligence layer on top of existing broker tools, turning raw protection data into actionable insights for both the broker and their clients.

Humbrela is incorporated in Delaware, USA, and operates primarily in France and Switzerland. All data is hosted in the European Union (AWS eu-west-1, Ireland).

## Products

- **Humbrela Broker Portal** (portail.humbrela.com): Web dashboard for insurance brokers. Aggregates client protection portfolios, shows protection scores, detects coverage gaps and duplicate policies, surfaces cross-sell opportunities, and manages mandate workflows with compliance automation.
- **Humbrela Client App** (iOS / Android / web): Client-facing app where end clients (individuals, families, SMEs, corporates) see all their protections in one place, track their protection score, receive recommendations, and contact their broker directly.
- **ELA** — Humbrela's embedded AI engine. Analyses client protections against risk benchmarks, assigns a continuous protection score, generates personalised gap and duplicate recommendations, and remembers interaction context over time.

## Key Concepts

- **Protection Score**: A dynamic 0–100 indicator measuring the quality of a client's insurance coverage. Factors in policy completeness, coverage overlaps, exclusions, and emerging risks. Updates in real time.
- **Coverage gap detection**: AI identifies missing protections relative to a client's risk profile (e.g. no cyber cover for an SME, no travel cover despite frequent trips).
- **Duplicate detection**: Flags overlapping coverage (e.g. travel insurance covered by both a standalone policy and a credit card benefit) — a common source of unnecessary premium spend.
- **Protection Hub**: The client-facing view that consolidates all protections in one place — policies, card benefits, warranty extensions, embedded cover.
- **Protection Console**: The broker-facing dashboard that aggregates all client portfolios and flags action items.

## Segments supported

- **Individuals** — personal policies, card benefits, travel cover, home, auto
- **Families** — household coverage, dependants, shared document management
- **SMEs / PME** — professional liability, cyber, employee benefits (LPP, LAA, IJAM)
- **Corporates / grandes entreprises** — complex portfolios, role-based access, multi-entity visibility via the B2B web portal

## Compliance

- GDPR compliant (EU data residency, DPA framework for brokers)
- Swiss nFADP / LPD compliant
- Infrastructure: AWS Europe (Ireland, eu-west-1)
- End-to-end encryption at rest (AES-256) and in transit (TLS 1.2+)
- Broker data acts as data controller; Humbrela acts as data processor (Art. 28 GDPR)

## Regulatory context

- France: Brokers registered with ORIAS under the Code des assurances and the DDA (Directive sur la Distribution d'Assurance / IDD)
- Switzerland: Brokers registered with FINMA under the LSA (Loi sur la surveillance des assurances)

## Pages

- [Home — FR/EN](https://humbrela.com/): Main landing page with product overview, use cases, and demo booking
- [Privacy Policy](https://humbrela.com/legal/confidentialite.html): Data processing policy (FR/EN)
- [Terms of Use](https://humbrela.com/legal/cgu.html): Website terms (FR/EN)

## Contact

- General: hello@humbrela.com
- Data protection: mathieu@humbrela.com
- Demo booking: https://humbrela.com (30-minute product walkthrough)
- LinkedIn: https://www.linkedin.com/company/humbrela