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arXiv · 2609.19586

An Insurance Broker for Every Small Business: The Economics of Exceptional Care at Scale

Pierre-Alexandre Kamienny·Parthasarathi Ainampudi·Corentin Hugot·Hemanth Sai Kosari·Robert Martin·Armand Bechy
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Abstract

Small-business owners need expert guidance on their own terms, across schedules, languages, and channels, but low premiums make exceptional, continuous human service uneconomic for much of the market. Combining public evidence, Kinro operational data, and an illustrative five-year service model, we show why traditional brokerage economics leave 35 million U.S. small businesses underserved. An AI-native brokerage can change those economics by performing and coordinating routine work continuously, while licensed professionals govern consequential exceptions and the brokerage remains accountable.

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Pierre-Alexandre Kamienny, Parthasarathi Ainampudi, Corentin Hugot, Hemanth Sai Kosari, Robert Martin, Armand Bechy. 2026-09-21. An Insurance Broker for Every Small Business: The Economics of Exceptional Care at Scale. https://arxiv.org/abs/2609.19586

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