Your policy where residents and building managers already work

What does an insurer get from Unitify?

Ten things in the insurer's own line of work. Each comes with what we would measure in a pilot. None of them is a promised result.

1. 1

   Your own offer in front of residents

   Your offer can sit in the resident app of the buildings you choose, as a mini-app or a card. You calculate, issue and sell the policy under your own licence and your own brand, and the resident buys it from you. Mini-apps work in the resident app today; the format of your offer is agreed with you.

   Measured in the pilot: residents who opened your offer, and the policies you issue from it, which you count on your side.

2. 2

   Your premium as a line in the building's bill

   Where you and the building's manager agree, and the bank or payment provider can split the payment to your account, your premium can appear as a line in the building's monthly bill, and the resident pays it together with the rest, without a separate click. The policy stays your own product under your own licence. Unitify does not hold the money and is not a payment institution.

   Measured in the pilot: the share of premiums paid in the app, and renewals.

3. 3

   A claim file in one click

   When a resident reports a leak, the request records the time, the source, the photos and every later change with who made it. In one click the resident or the manager can send the claim file to you: the request, the photos, the timestamps, the history and the inspection act, with their consent. The act is a PDF with photos and signatures.

   Measured in the pilot: days from the leak to your notice, and the share of claims that arrive with photos and an act.

4. 4

   Leaks found on an inspection, not in a claim

   Managers run inspections from templates, such as a monthly basement round and a seasonal check of roofs and drains. A failed item needs a photo and a comment, and becomes a request for a technician.

   Measured in the pilot: inspections done on schedule, and issues closed before a loss.

5. 5

   The equipment the water depends on

   Pumps, boilers and lifts are kept in an equipment register with the install date, the warranty, the documents and a maintenance plan with the last and the next service.

   Measured in the pilot: the share of equipment with its maintenance on schedule.

6. 6

   Leak and humidity sensors

   Leak, humidity and other sensors that expose an interface can be connected per project, through a gateway where needed. Their readings can reach the record of the equipment they belong to, and a sensor event can open an emergency request and send a notice to the residents on the floors below. This is possible and is set up per project.

   Measured in the pilot: leaks a sensor caught before the resident did.

7. 7

   An incident seen across the whole building

   A mass emergency or a planned shutdown of water or electricity is recorded with its start and end and a text for residents, and the manager sends a push notice to the affected buildings, with the reach shown before sending. The AI concierge recognises a leak in chat and on calls (telephony is set up per project), offers to open a request and does not create it without the resident's consent.

   Measured in the pilot: losses tied to one incident, collected together, and leak reports with a photo in the first hour.

8. 8

   Building data, with consent

   A structured record of the building: entrances, floors, apartments, equipment with its age and maintenance, the history of requests by category, incidents. It reaches you over the public GraphQL API and webhooks under an agreement, at building level. A resident's personal data goes only with their consent and under local law. Unitify does not score residents or apartments.

   Measured in the pilot: which building fields you use at renewal.

9. 9

   A reminder before the building's policy renews

   The policy of the common property lies in the building's documents, and the building manager is reminded before it expires. Where you and the manager agree, your products appear next to the building they cover.

   Measured in the pilot: building policies renewed on time.

10. 10

    Your products in the manager's workspace

    A common-property policy next to the building it covers, claim files next to the requests they come from, the manager's liability cover and insurance of contractors' work. Everyone in the management company sees them, not only the accountant.

    Measured in the pilot: your products per management company.

Where does the law put insurance on the building?

Three verified examples. Where the duty sits with the building or with its manager, the person who handles it every day is the manager.

• Croatia

  Insuring the common parts against fire, storm, lightning and escape of water, and against third-party liability, is a statutory duty of the community, discharged through the manager.

  Source: Art. 30, Zakon o upravljanju i održavanju zgrada (NN 152/2024), zakon.hr, accessed 14.09.2026

  Unitify for building managers in Croatia

• Kenya

  unless by unanimous resolution all the proprietors otherwise resolve, insure and keep insured buildings and other improvements on the parcel against fire

  Source: Sectional Properties Act 2020, s. 20(1)(b), duties of the Corporation, new.kenyalaw.org, accessed 18.09.2026

  Unitify for building managers in Kenya

• Serbia (the manager)

  A professional manager's licence requires professional indemnity insurance with an annual sum insured of at least EUR 10,000 in dinar equivalent, filed with the Chamber every year.

  Source: Art. 52, Zakon o stanovanju i održavanju zgrada, pravno-informacioni-sistem.rs, accessed 14.09.2026

  Unitify for building managers in Serbia

Legal facts were checked against the primary sources. The dates of access are next to each source.

What does a pilot with an insurer look like?

We start on live buildings you already insure, or want to, without exclusivity. Over a pilot of a few months we report the numbers you choose: residents who opened your offer, inspections done on schedule and the issues they found, leak reports with photos and the time from report to first action, and the share of premiums paid in the app. You count the policies and claims on your side and decide on the next step from your own data.