What Fernstone does
Fernstone is an AI-native commercial insurance brokerage for businesses. It combines a software platform with dedicated human advisors to handle policy placement, management, and claims, consolidating certificates, policies, and compliance into one dashboard rather than scattered systems.
Key capabilities
- Certificate of insurance (COI) management for creating and sharing certificates
- Centralized claims handling with human support
- Policy tracking across multiple carriers and locations
- Automated renewal and expiration alerts
- Team collaboration with permission controls and billing management
Who it's for
Fernstone serves growth-focused businesses with scaling operations and changing risk profiles. Its differentiation in AI finance is pairing a dedicated risk advisor who learns a client's operations with a unified platform, while partnering with major carriers such as Tokio Marine, Liberty Mutual, and The Hartford to offer broad coverage and active monitoring against overpaying.