Matthew Ames — Founder, LumenaIQ

What I do

I run LumenaIQ — an independent commercial insurance education publisher for US small and mid-size businesses. I set editorial direction, approve every article before it publishes, and operate Coverage Navigator, a tool that maps business profiles to the insurance coverage categories they commonly need, with citations to the state statute or industry norm behind each coverage category on the map.

What I'm not

I am not a licensed insurance broker or advisor. Nothing on LumenaIQ is insurance advice, and nothing I publish should be treated as a recommendation for a specific policy, carrier, or coverage limit. For specific coverage decisions, talk to a licensed insurance professional in your state. This is required by state insurance regulation and it's how we believe the work should be framed anyway.

How LumenaIQ operates

LumenaIQ is an AI-assisted publishing pipeline with human editorial oversight. Research, initial drafts, and trend monitoring are handled by a suite of agents I've built and maintain. Every article receives a human review pass before publishing, and the Coverage Navigator output logic is rule-based and carrier-independent — not generated on the fly by a language model. The engine behind Coverage Navigator only maps inputs to coverage categories using public state law, NAIC consumer materials, and documented commercial contract patterns.

LumenaIQ earns affiliate commissions from some carriers. The relationship is disclosed on every page that carries affiliate links, and it does not influence which coverage categories appear on a Coverage Navigator map. Full disclosure at /disclosures/.

Why I started this

Small business owners get two bad options when they look for insurance information online: thin affiliate pages optimized for head-term keywords, or dense broker marketing written for someone else's problem. What almost nobody does is map a specific business to the specific coverage it actually needs, cite the source behind each coverage category, and then get out of the way. That's the gap LumenaIQ is built to fill.

I'm based in Ontario but LumenaIQ is explicitly and only for US businesses — the regulatory framework, industry norms, and coverage conventions are US-specific, and we don't pretend otherwise. How Coverage Navigator works →

Contact

LinkedIn →

For press, editorial questions, or content corrections: LinkedIn DM is the fastest route.