About BNIE (Big Non Insurance Entity)

Insurance is one of the largest recurring purchases most households make, and one of the few where almost nobody can say what they actually bought. The contract is long, written for adjusters, and priced by a party that knows far more about the risk than you do. That asymmetry is the problem BNIE exists to close.

We're not against insurers. Insurance works, and most carriers pay most claims. What we're against is complexity that only ever cuts one way — confusing contracts, quotes that compete on price while quietly cutting protection, and renewals that pass unexamined year after year because reading them is nobody's idea of an evening.

What we believe

• Cheaper isn't better. A quote that saves you $500 by raising your deductible and cutting your liability limit didn't save you anything. The question worth answering is whether a policy is right for you, not whether it's cheap.
• Independence is the whole thing. We don't sell insurance, take commissions, or receive referral fees. If we ever have a reason to prefer one answer over another, we stop being useful.
• Grounded, not guessed. Answers come from your documents and cite their source. If the answer isn't there, we say so.
• Private by default. Your documents are encrypted, isolated to you, and not used to train AI models.
• Carrier-agnostic. Every carrier formats policies differently; we normalize them into one consistent structure so they can be reasoned about at all.

Where we're going

Today BNIE helps you understand a policy you hold and see what deserves your attention. The work ahead is comparing an offer against your current coverage on protection rather than price alone, keeping your coverage matched to your life as it changes, and — further out — helping you understand and respond when a claim decision doesn't look right. Those capabilities aren't built yet, and we'll say so plainly until they are.

How it's built

BNIE runs entirely in the cloud on AWS. Documents live in private, encrypted storage, and questions are answered using a private, isolated instance of a leading language model — never a public API. Retrieval is filtered to your account so the model only ever sees your documents.

BNIE provides information to help you understand your policy. It is not an insurance agency, broker, attorney, or public adjuster, and nothing here is insurance, legal, or financial advice. Always confirm coverage with your carrier or agent.