30-Minute Risk Assessments. Fully Documented. Audit-Ready.
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Legacy processes are failing carriers, agents, and insureds alike
Field underwriters spend 12+ hours documenting a single risk assessment. Carriers wait 3-7 days for complete reports. Business owners lose patience.
47-page reports still miss critical risk factors. Underwriters forget questions. Follow-up calls frustrate insureds.
Black-box AI can't explain decisions. State regulators demand transparency. One audit can expose millions in liability.
25-year veterans are retiring. Their knowledge walks out the door. New agents lack the experience to assess complex risks.
See Risk Clearly. Assess Risk Fairly. Underwrite the Future.
Meta smart glasses + drone capture complete site assessments in 30 minutes
Every decision is explainable, auditable, and regulatory-compliant
25 years of field knowledge codified into intelligent risk assessment
Field underwriters arrive equipped with Meta smart glasses and drone technology. Dark Mist captures every detail, identifies risk factors in real-time, and generates comprehensive documentation automatically.
Learn how the assessment worksFrom arrival to delivery in 30 minutes
Field underwriter arrives at business location. Meta glasses activate Dark Mist platform. Geospatial data loads automatically.
Walk through facility capturing video/photos. AI identifies risk factors in real-time. Constitutional AI documents reasoning for each finding.
Complete risk assessment generated instantly. All 50 state regulations checked automatically. Audit trail created for regulatory compliance.
Underwriting report delivered in minutes, not days. Carrier receives complete documentation. Insured gets quote same-day.
Constitutional AI means every decision has a documented reasoning trail. When regulators ask "why?", you have the answer. No black boxes, no surprises, no liability.
Learn about Constitutional AIMost AI underwriting tools can't explain their decisions. When regulators ask "why did you deny this applicant?" or "how did you calculate this premium?", the answer is "the algorithm decided."
That's not acceptable in regulated industries.
Dark Mist uses Anthropic's Constitutional AI to ensure every decision is:
"This isn't just better AI. It's the only AI that works when regulators have subpoena power."
- LaMont Thomas, Founder
No audit trail
Regulator-ready
LaMont Thomas has spent 25 years in commercial insurance underwriting. He's assessed thousands of high-risk automotive aftermarket businesses. He's a veteran who understands that cutting corners isn't an option.
When his son Nick was studying insurance at St. Joseph's University, Nick asked: "Dad, is this industry sustainable the way it's operating now?"
The answer was no.
So they built Dark Mist.
This is insurance worth inheriting.
Watch Founder StoryDark Mist is built by Thomas Risk Management Group, a commercial insurance agency serving the automotive aftermarket.
Dark Mist isn't theoretical. It's built from real-world experience assessing the exact risks it's designed to handle.
Built for the entire insurance value chain
Deploy across your underwriting team for consistent, compliant risk assessment. Reduce assessment time by 85%.
Empower your network of agents with institutional-grade underwriting intelligence. Scale without adding headcount.
Spend less time documenting, more time building relationships. Complete assessments in 30 minutes with confidence.
Join forward-thinking insurance professionals who are transforming their underwriting process.
See how Dark Mist can transform your underwriting process
Questions? Contact us directly:
hello@darkmist.ai