Technology that executes
We’re past the era of tools that assist. The technology now exists to run multi-step processes across systems — not just answer questions.
Company
Every business will run on a workforce of people and AI workers.
The AI workers finding and doing the work; the people bringing direction, oversight and final decisions. Decoder brings that future to the businesses that already exist — so the companies built before AI can compete with the ones built after it.
01 · The conviction
Insurance agents should be growing relationships, not doing admin.
Agencies are run by talented people who spend too much of their time on work that should not require their talent. Insurance operations is the problem worth solving: more systems, more carriers and more document types than almost any other professional services business. Decoder carries that operational load so licensed people can do the work only they can do.
02 · Three forces converging
Why this moment is different
Offshore operations breaking down
Outsourced operations scale linearly, produce inconsistent results and require ongoing management. The model never gets better — it just gets bigger.
Licensed talent is scarce
Finding, licensing and retaining good insurance professionals is hard and getting harder. Spending 40–60% of their time on operational work is a problem agencies can no longer afford.
03 · The frame
What ADP did for payroll, Decoder does for agency operations.
We take an entire operational function and run it with AI workers while the agency keeps control of every decision. Independent insurance agencies are where we prove it.
We run Decoder the same way: our own operations use AI workers under human direction and review.
The AI future of this industry includes you. That’s the point of Decoder.
04 · The team
Founded by operators
Peter Dolukhanov
Co-Founder & CEOMultiple-time founder and CTO with 20+ years building product, engineering and AI-driven transformation. Co-founded Nice Agency in 2009 and sold it to Karmarama in 2014; Group CTO at Karmarama through its acquisition by Accenture, then Managing Director at Accenture. Based in Orange County, California.
Jonathan Milne
Co-Founder & Chief Business OfficerGTM and operations leader with 25+ years in senior commercial roles at venture-backed technology companies — including NetGenesis, Maven Networks, Ooyala, Celtra (as CRO) and Inrupt (VP Business Development). Jonathan has taken early-stage products to first revenue, repeatedly, and built the revenue engines that scaled them — with a constant focus on making sure every customer sees the value they signed for.
Technical depth to build it. Commercial discipline to scale it. A shared commitment to creating real value for customers.
05 · Talk to us
If this resonates, let’s talk
Whether you’re running an agency or shaping how insurance work gets done day to day — we’d like to hear from you.
Decoder AI, Inc. is based in Irvine, California.
Grow the book. Not the admin.