Every module an insurer or broker needs.
30+ deeply integrated modules cover the full insurance lifecycle — from lead to claim payout — with AI woven through CRM and ticketing.
Core insurance modules
Underwriting
Products, plans, coverages, clauses, formulas, rate tables, medical tariffs, per-product form config.
Quotations
Motor, group medical, life. Multi-option quotes with instant comparison and e-signature.
Policies
Issuance, endorsements, renewals, cancellations with automated finance postings.
Claims
Documents, experts, third-parties, workshops, ex-gratia payments, recoveries and TPA workflows.
Accounting & GL
PCA-aligned chart of accounts, premium invoices, commissions, journal, banks, cheque management, period close.
Reinsurance
Facultative & treaty, cessions, participations, recoveries and monthly statements.
Regulatory & IFRS 17
ICC reporting engine, IBNR chain-ladder, solvency margin, bordereaux submission, LRC/LIC reconciliations.
Assets management
IT assets, furniture and fleet with assignments, maintenance and depreciation.
HR & Lebanese payroll
Employees, contracts, attendance, leave, KPIs, recruitment and a Lebanese payroll engine with NSSF caps, cumulative tax withholding and payslip PDFs.
Processes & procedures
Corporate process library with owners, versions and approval history.
Reports & analytics
Predefined and custom reports across production, reserves and IFRS 17.
Public APIs
Plan quote & policy issuance endpoints with API keys and webhooks.
CRM & communication center
Every customer conversation in one shared inbox, whatever the channel.
Leads & opportunities
Numbered records (LEAD-0001, OPP-0001), pipelines, kanban, activities and conversion tracking.
Omnichannel inbox
WhatsApp Cloud API, SMS, Gmail and Microsoft 365 conversations shared between CRM and ticketing.
Call console
Provider-agnostic dialer with call logging, ready for Twilio or on-prem PBX.
Marketing
Campaigns, segments, cross-sell, referrals, loyalty, surveys and attribution.
Groups & routing
Assign renewals, claims or leads to dedicated CRM groups automatically.
Lead import & call queues
Bulk import, call queues and automated escalation for ageing leads.
AI bot across CRM and ticketing
One AI engine, grounded in your knowledge base — available on managed cloud AI or a local model for offline installs.
Automatic customer replies
Answers WhatsApp, email and portal questions instantly from your approved knowledge base.
Escalation & hand-off
If the answer isn't known, the bot assigns the ticket to the right agent or CRM group.
AI triage
Auto-classifies category, priority, language and sentiment on every incoming ticket.
Agent copilot
Suggested drafts, thread summaries and next-best actions in the ticket sidebar.
Knowledge gap analytics
Clusters unanswered questions and drafts new knowledge base articles.
Offline AI
Point Covra at a local model so on-prem deployments keep the bot running with no external calls.
AI quotation workflow
AI understands the customer; Covra's underwriting engine still owns every premium. AI never calculates a price.
Multimodal intake
Text, Lebanese Arabic, Arabizi, voice notes and photos of a car card or ID are all understood and turned into structured fields.
Form-config aware
Required fields come from each product's own form configuration, so the bot asks exactly what underwriting needs — nothing more.
Priced by the core engine
Extracted data is passed to the existing plan pricing engine under the user's own permissions; AI only presents the result.
Confirmation gates
Low-confidence extractions and car-card readings must be confirmed by a human before a draft quotation is created.
WhatsApp delivery
On confirmation, the official quotation PDF is generated server-side and sent back into the same WhatsApp conversation.
Full AI audit trail
Every intake, extraction, pricing call, document generation and delivery attempt is recorded and tenant-scoped.
Documents, channels & governance
Clearance & conflict checks
Deterministic CLEAR / REVIEW / BLOCKED decisions on leads, opportunities and quotations, with reasons, matched records and audited overrides.
Policy builder
Visual document template designer with conditional logic, reusable blocks and per-product print packs.
Policy packages & vignettes
Linked policies, vignette serial stock, batch printing, replacements and dispatch tracking.
Meta channels
Facebook Messenger and Instagram alongside WhatsApp, each tenant with its own isolated Meta connection.
Internal staff messaging
1:1 and group chats with @mentions and links to any Covra record, next to the customer inbox.
Multi-tenancy
Several insurers or brokerages on one installation, with per-tenant branding, licensing and a platform admin console.
Service desk & automation
Ticketing
Omnichannel tickets with board and list views, comments, attachments and full history.
SLA engine
Business-hours targets, pause/resume, breach escalation and priority policies.
Macros, merge & split
One-click responses, ticket merge/split and agent time tracking.
Workflow rules builder
No-code on-create, on-update and time-based rules with notifications and webhooks.
Multilingual
English, Arabic and French with right-to-left layout and language-aware AI replies.
Audit trail
System-wide change log across CRM, underwriting, finance and settings.
Deployment & governance
On-prem or cloud
Fully offline installation package including the local AI stack.
Module licensing
Roll out only the modules a client buys — start with ticketing, add CRM later.
Roles & permissions
Super admin, client admin and granular role-based access on every module.
Company branding
Configure the insurer or broker's identity, logo and documents in settings.
Ready to see it live?
We'll walk you through CRM, ticketing and the AI bot with your own scenarios.