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Rosella, an AI-native commercial insurance brokerage founded in Sydney, has raised $3.7 million in pre-seed funding led by Peak XV Partners and Intact Private Capital.
The company is targeting the $215 billion US commercial insurance brokerage market, which it argues remains heavily reliant on manual processes across fragmented systems. Rosella is building its own technology stack from the ground up rather than layering AI tools onto existing legacy platforms.
Automating manual bottlenecks
Rosella’s platform automates several core brokerage workflows that have traditionally required significant manual effort.
The company has built a multi-portal submission agent that can submit client information across more than 100 carrier portals, each with different formats and requirements. This addresses what the company describes as one of the largest manual bottlenecks in the industry, where brokers often re-enter the same information across multiple systems.
Certificates of insurance that previously took 30 minutes to produce can now be generated in under two minutes through the platform.
The system also includes AI document intelligence that reads and compares policies across carriers, flags coverage gaps and surfaces exclusions automatically. A real-time AI phone assistant supports sales staff during live client calls, guiding conversations based on the specific client and risk profile.
Sean Stuart, Co-Founder of Rosella, outlined his view of where the opportunity lies.
“Software as a product is stalling. Services are booming,” Stuart noted. “The next $100 billion company will not sell software licenses. It will sell a service powered by software, built specifically for the people doing the work.”
Browser agents over chatbots
Stuart argued that the technical challenge in insurance brokerage is not about building conversational AI but about navigating the fragmented infrastructure that underpins the industry.
“The holy grail is not chatbots,” Stuart explained. “It is browser agents that can navigate a hundred carrier portals, each one different, each one changing daily.”
The platform creates what the company describes as a data flywheel, where every interaction, quote, acceptance and rejection feeds back into the system to improve pricing accuracy and coverage recommendations over time. The goal is to capture institutional knowledge that currently sits locked in PDFs, email threads and the heads of individual brokers.
Targeting underserved mid-market businesses
Rosella is focused on small and mid-market businesses in higher-complexity industries such as construction, manufacturing and logistics. These segments typically require tailored coverage but are less efficiently served by traditional brokerage models due to operational constraints and the tendency for brokers to prioritise larger accounts.
“For the first time, every business in America can get the quality of brokerage service that used to be reserved for Fortune 500 companies,” Stuart stated. “Lower costs mean we can profitably serve the accounts legacy players ignore, and deliver a materially better outcome.”
The company noted that risk complexity in the US market continues to increase. Nuclear verdicts exceeded $31 billion in 2024, and the excess and surplus market has grown as standard carriers pull back from higher-risk categories.
Founding team spans VC, engineering and AI
Rosella was founded by Sean Stuart and Chris Dwyer, who met at university nearly a decade ago.
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Stuart is a former venture capitalist focused on AI and SaaS. Dwyer was a Founding Engineer at Constantinople, where he helped scale the company from zero to more than $300 million in enterprise value. Prior to that, he led AI product development teams at Accenture.
Stuart framed the company’s approach to AI as augmenting rather than replacing human brokers.
“Everyone asks how AI replaces workers,” Stuart observed. “We ask how it makes them extraordinary. Our AI turns a one-year rep into a ten-year veteran.”
Investors
Peak XV Partners, formerly Sequoia Capital India and SEA, led the round alongside Intact Private Capital. Peak XV manages over USD $10 billion in capital across 16 funds and has invested in more than 450 companies. Intact Private Capital is backed by Intact Financial Corporation, a global provider of property and casualty insurance with operations across North America, the UK and Europe.
Rosella operates out of Sydney and Austin, Texas.
Last Updated on April 5, 2026 by Nick Ross
