From a 40-page PDF to knowing where you stand
You already own your policy. BNIE reads it properly, tells you which parts deserve your attention, and keeps every claim it makes tied to the page it came from — so you never have to take our word for it.
Show us what you have
Pick a PDF from your phone or computer — your declarations page, the full policy, or both. Files are checked, encrypted, and stored privately the moment they arrive. No account needed to start.
Auto · Home · Renters · Umbrella · Many commercial forms
BNIE reads it end to end
Every page is processed to identify your carrier, policy number, term dates, coverages, limits, deductibles, exclusions, endorsements, and form numbers — with the page each value came from recorded alongside it.
Typically under a minute for a standard policy
See where you stand
You get a read, not a transcript: what looks solid, what's worth a second look, protections commonly carried that we couldn't find on your document, and where premium and coverage may be out of balance. Insurance terms are translated, with the original wording one tap away.
Looks solid · Worth reviewing · Possible gaps · Cost to discuss
Ask anything, verify everything
Ask questions the way you'd ask a person who knows insurance. Each answer carries citations to the document and page behind it. When your documents don't contain the answer, you're told that instead of being given a guess.
Every answer is checkable in one tap
Make a better move
Leave with something you can act on: a specific list of questions for your agent or carrier, drawn from your own policy rather than a generic checklist, and one tap from your clipboard.
Questions you can take with you
The bigger picture
Understanding is the first rung
Reading policies is how BNIE works. Helping you get insurance that's actually right for you is what it's for. Here's the whole ladder, and where we are on it.
- Available now
Understand
Know what you actually have
Your coverages, limits, deductibles, exclusions, and endorsements, in plain English — each one traceable to the page it came from.
- Available now
Evaluate
See what deserves your attention
Not a data dump. BNIE separates what looks reasonable from what looks thin, unusual, or worth a conversation before you renew.
- Planned
Compare
Judge an offer on more than price
A cheaper quote can quietly cost you a lower limit, a higher deductible, or a coverage you'd miss at claim time. Comparing coverage against price is what we're building next.
- Available now
Act
Walk in knowing what to ask
Specific, answerable questions for your agent or carrier, drawn from your own policy rather than a generic checklist.
- Planned
Protect
Stay right as things change
Renewals, new vehicles, a move, a growing household. Keeping your coverage matched to your life is where this is heading.
- Planned
Fight
Push back when a decision looks wrong
Reading a denial against your own policy language, finding the clauses that apply, and organizing what you need to respond. Planned, and not yet available.
What we don't do
Being clear about the limits
A tool you'd trust with your policy should be honest about what it isn't.
We don't sell insurance
BNIE isn't an agency or a carrier, takes no commissions or referral fees, and has no interest in which policy you hold or whether you switch.
We don't give advice
You get observations and questions to ask. BNIE is not a broker, attorney, public adjuster, or fiduciary, and decisions about your coverage belong with you and a licensed agent.
We don't replace your policy
The document is always the source of truth. If an answer and your policy disagree, the policy governs.
Security
What happens to your document
A policy contains your address, your vehicles, your property, and your claim history. Here's exactly how it's handled — and who we answer to.
Independent of every insurer
We don't sell policies, take commissions, or receive referral fees. Nothing BNIE tells you changes based on which carrier you're with or whether you switch.
Encrypted end to end
Documents are protected with military-grade 256-bit encryption in transit and at rest, and stored privately — never in a public bucket, never browsable.
Isolated to your account
Every file, extracted field, and conversation is scoped to you. Retrieval is filtered by owner before a question ever reaches the model.
Never used for training
Your policy is not training data for any AI model. It's processed to answer your question and nothing else.
Checkable, not just confident
Every figure and answer cites the page behind it. When your documents don't contain the answer, you're told that instead of being given a guess.
Delete anything, anytime
One tap removes a document, the file, and the fields we extracted from it. Full details — including what backups and security logs retain — are in our Privacy Policy.