From your book
to a paid claim.
A free first step and six more. Plans launch in 2027, starting in Delaware and Pennsylvania; the readiness report and the pricing engine work today.
00. Start with a readiness report.
Upload two exports from any field-service system: your installed equipment and your repair history. The report shows what was usable, your equipment mix, the gaps that matter and what to fix first. It’s free, and it doesn’t give you a price; it tells you whether your history can support one.
01. Connect.
A read-only link to Jobber, with ServiceTitan coming, or exports from any system. Cosmolabe reads your equipment and repair records, so nothing gets re-entered.
02. Price.
Plans are priced from your own history: what you install, how often it fails by equipment age, and what repairs cost you. While your history builds up, a pooled, de-identified book will fill in once more contractors join, and your own record counts for more as it grows. Eligibility rules, like a waiting period on new coverage, keep the book fair.
03. Choose what the plan pays.
Today’s plans pay fixed hours per repair, and you cover the rest of the job. You’ll choose how claims are paid, priced from your own history:
- Full cost. Actual hours at your labor rate, built to pay the whole repair.
- Capped. Actual hours up to a cap per repair. A lower price; you cover the rare long job.
- Book hours. Fixed hours per repair, like today. The lowest price; you cover the rest.
The option you pick will be fixed on each plan when it’s sold. When you join the pilot, we’ll show you the price, the gap you’d cover and the all-in cost of each option.
04. Quote.
The plan shows up in the technician’s proposal, and you set the retail price and your margin. Nothing changes at the kitchen table: your technician offers it the way they offer a warranty today.
05. Claim.
The repair job in your field-service software is the claim. No signed ticket, no mailed invoice. Software handles intake and checks the claim against the rules, and a person reviews every denial. Claims are built to be paid in days, at your documented cost or the cap you chose.
06. Settle.
If you opt in, part of what’s left in your book’s claims fund after claims settle comes back to you each year. A careful installer earns more.
How a price is built.
Each plan’s price is put together from your own book in a few plain steps, and every quote keeps the working that produced it.
- How often it breaks. Expected repairs per year for each type and age of equipment, from your installed equipment and repair history.
- What a repair costs. The labor a covered repair takes, at your labor rate, under the option you choose.
- Your coverage. Term length, deductible and repair caps are set first. The price follows from them, never the reverse.
- Adjustments. Allowances for how having a plan changes how often people call, and for uncertainty when a book is thin. Each one is listed.
- Your margin. You set the retail price on top of the plan price, so your markup is your decision, in plain view.
In one lineexpected repair cost × the listed adjustments ÷ the share of the price set aside for claims, then your margin on top
Thin data is flagged.
Where a group of equipment has too little history, the price says so instead of looking more certain than it is.
No stretching past your data.
Equipment older than anything in your book is priced at the edge of what your book shows, not guessed beyond it.
Past prices can be checked.
Every quote records the assumptions it was priced under, so a past price can be traced and worked out again.