An AI agent that re-shops your home & auto insurance and flags a cheaper switch whenever one's worth making — held inside Belay, a safety harness that can never spend, leak, or switch on its own.
Reshopr is the app. Belay is the safety harness it runs inside.
One is the product. The other is the safety frame it runs inside — and the reusable part of the engineering.
An AI agent that re-shops your home & auto insurance — reading your policy, drafting carrier outreach for you to send, comparing replies — and flags a cheaper switch whenever one's worth making.
It does the legwork a good broker would, run continuously, for you.
A fixed harness the AI worker lives inside. It enforces the lines the agent can never cross — never spend, never leak, never switch without a human — no matter how the AI behaves.
Named for the climbing system that lets a climber move freely while catching every fall before it can do harm. Swap the AI brain; the guarantees stay.
AI agents that act — sending email, comparing options, moving money — are arriving faster than the controls to trust them.
Belay separates the worker — the AI doing the shopping — from a fixed harness that enforces safety no matter how the AI behaves. Four pillars, each its own module.
The injected agent implements five methods — plan, act, react_to_checkpoint_failure, respond, decide. Dropping in a different worker needs zero harness changes.
A real AI worker driving the decisions.
Deterministic logic, no model in the loop.
Caution-first defaults under the same rules.
Same harness, different worker, different recommendation — shown in the demo.
Store.has_followup_draft) — whichever fires first, a mismatch or a few quiet business days, is the only follow-up a carrier/line ever gets.await_human_approval. The agent can never switch on its own, whether auto-send (steps 4 & 9) is on or off; your “Approve this switch” click is what actually acts on it. /resume also carries a portal-price confirmation back into the same run.Auto-send (opt-in, per account, off by default): turns steps 4 and 9 — and the silence nudge below — from "drafted, waiting for your click" into "sent the moment it's ready," through POST /account/auto-send. It never touches step 8 (you still confirm a carrier's actual quoted numbers yourself — free text can't be trusted outright) or step 12 (a switch is never automatic, structurally, regardless of this setting — see the never_bind_or_purchase guardrail above).
Everything above is one run. These decide when a new one starts, when you're told something needs you, and when a silent carrier gets followed up with — all three draft-or-notify only, sending on their own only for an account that's opted into auto-send.
Checks every sent-and-unresolved draft roughly every 5 minutes and emails you the moment one needs a look — a reply to confirm, or a portal redirect. The manual “Check for reply” button works exactly the same either way. Still sitting untouched? A follow-up email goes out at 48 hours, and again at 72.
Every sweep, checks how long each sent draft has gone without a reply — once it crosses NUDGE_AFTER_BUSINESS_DAYS (3 by default, Mon–Fri only, no holiday calendar), drafts ONE polite check-in through the exact same round-2 slot a coverage-mismatch reask uses (Store.has_followup_draft), so a carrier can never get both. Drafted for you to review by default; sent immediately if auto-send is on.
Kicks off a fresh cycle on your saved profile — drafts only, same review-and-send-it-yourself rule as any run. Anchored to your policy renewal dates (30 days before, by default) when you've set them; falls back to a plain 30-day rolling interval otherwise. Stays silent unless it actually found something worth reviewing.
The winning insurance-AI product isn't a smarter shopper — it's the trustworthy frame any shopper can safely run inside. Reshopr is that product. Belay is that frame — built, and live today.