Built by a consultant who kept getting asked for a COI
Fennel Insurance Services is a licensed California commercial insurance broker. It is also a software company — and the software came first.
Why Fennel exists
Carl Ganz runs an independent data-science consultancy. The clients are enterprises — health plans, pharmaceutical companies, a state public-health department — and every engagement arrives with a master service agreement whose section 13 or 14 specifies insurance: limits, endorsements, waiver of subrogation, an exact legal entity to name as additional insured. Every one of them poses the same question: does the coverage I already carry satisfy this?
Answering it correctly meant reading a legal schedule, comparing it against policies bought years earlier, and emailing a broker to find out whether they matched — every single time, for every new client. The work was mechanical, the stakes were real (a wrong entity name means procurement rejects the certificate and the engagement start slips), and nothing existed to do it.
So Fennel is not a brokerage that added software. It is a tool built by the person who needed it, who then got licensed so the answer could run all the way through to placing the coverage.
Who is licensed, and how to check
Two separate licenses apply, and they are not interchangeable. The entity holds an organisation license; Carl Ganz holds an individual producer license as the agent of record. Both are public record and both can be verified independently — we would rather you check than take our word for it.
Verify either number at the California Department of Insurance license lookup. Fennel is a broker, not an insurer: it does not underwrite or issue policies, and it never collects premium — the issuing carrier bills the policyholder directly.
What Fennel does
The product reads your client contracts and tells you what insurance they require — every limit, endorsement, and additional-insured name, each with a verbatim quote showing the clause it came from. It then compares that against the policies and certificates you already hold and shows you exactly where, if anywhere, you fall short.
Most of the time the useful answer is “you are already compliant” or “you are short in one specific place” — neither of which requires buying anything. When coverage genuinely is missing, a licensed broker places it and the resulting certificate goes back into Fennel to close the gap.
Contact
- Legal entity
- Fennel Insure Inc., doing business as Fennel Insurance Services
- Office
- 46 Belvedere Street, San Francisco, CA 94117
- Phone
- +1 (323) 600-4455
- hello@fennel.insure