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What is Efficient Frontier Insurance?
Kalepa combines artificial and human intelligence to rapidly identify the true exposures and hazards of each business and to power insurance products that are underwritten at the Efficient Frontier: where pricing and coverage match the true risks and needs of the business.
It’s a win-win for carriers and insurers.
It’s the way insurance should always work.
Right Coverage
Understand true risk of the business.
Right Price
Policy reflects true risk. Bespoke. Not paying for others’ mistakes.
Right Time
Fast. Hassle free. Now.
How does it work?
Kalepa’s Copilot is a constantly evolving human-AI platform which enables human underwriting talent with proprietary AI technology. Developed in-house, Copilot helps underwriters to quickly evaluate exposures, compare against risk parameters and defined risk appetite and to provide a policy which is tailored to the insured’s needs.
Why did we coin this term?
Because we felt there were no frameworks or concepts out there which fully captured the fundamental issue with commercial insurance.

Our goal for Kalepa is to facilitate an insurance ecosystem which delivers accurate and transparent pricing, coupled with coverage the fully addresses the goals and needs of businesses.

Here at Kalepa, we have integrated human and artificial intelligence to quickly identify true risk, allowing for transparent decisions, faster, and with certainty.
This is how insurance should work.
Let's get started
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© 2022 Kalepa Corporation. All Rights Reserved.
Insurance services provided by Kalepa Insurance Services, LLC, a licensed Property & Casualty (“P&C”) insurance producer in the states where it transacts insurance. Insurance products, on admitted or non-admitted basis, are available only to insureds in such states. All coverages are subject to policy terms, conditions, and exclusions. For advice regarding your particular insurance needs, you should speak with your broker or agent to ensure that you have the appropriate coverages and limits.
© 2022 Kalepa Corporation. All Rights Reserved.
Insurance services provided by Kalepa Insurance Services, LLC, a licensed Property & Casualty (“P&C”) insurance producer in the states where it transacts insurance. Insurance products, on admitted or non-admitted basis, are available only to insureds in such states. All coverages are subject to policy terms, conditions, and exclusions. For advice regarding your particular insurance needs, you should speak with your broker or agent to ensure that you have the appropriate coverages and limits.