“Am I covered for this?” is the one question it must refuse to answer
An insurance line takes three kinds of call: somebody who has had an accident, somebody who wants a quote, and somebody asking what their policy does. The third is regulated advice, and an AI receptionist that answers it helpfully has created a liability that outlives the call by years.
From $99 a month · Robocalls are never billed
Incoming callDenise Aguirre“I've had a bump in the car park. Am I covered for that?”
Claim details taken · Coverage question routed · Not answered
- Never advises
- Coverage, liability and settlement questions go to a licensed person, always
- Claims first
- An accident call is taken and routed before anything else in the queue
- $0
- billed for robocalls and sales calls, on every plan
The call this line cannot afford to get wrong
Every AI receptionist on this results page books appointments and speaks well. This is the insurance agencies call where that stops being enough.
The caller says
“There's water damage in the basement. Will the policy pay for it?”
What a generic AI receptionist does
A general purpose AI receptionist is built to be useful, so it reaches for the most plausible answer and gives a qualified yes. That sentence is now a recorded statement from your agency about a coverage position nobody has checked, made by something with no licence, to a policyholder who will quote it back during the claim.
What this one does
Coverage questions are a hard refusal here. The agent says plainly that it cannot answer that and that a licensed person will, takes the claim facts that are safe to take, and routes it. The refusal is configured, not a tone, so a caller who rephrases the question three times gets the same answer three times.
AI receptionist for insurance agents: what is actually configurable
Each of these is something the product does on a real call. Where it refuses to act, the refusal is the design rather than a limitation.
It takes the claim facts without touching the coverage
What happened, when, where, who else was involved, whether anyone was hurt, whether a police report exists, the policy number. All of that is safe to collect and all of it saves your team the first ten minutes. None of it requires an opinion about the policy.
It books quote appointments and gathers what they need
New business is the call you least want to miss and the one most likely to arrive out of hours. It captures the lines of cover wanted, the renewal date, the current carrier and the basics, and books time with the right person rather than promising a callback.
It handles the certificate and document requests
Certificates of insurance, ID cards, declaration pages, address changes. High volume, entirely administrative, and currently interrupting somebody who should be writing business. Those are captured with everything needed to action them.
It knows which carrier and which line goes to whom
Commercial to one person, personal to another, a specific carrier's claims to a specific process. That routing is configuration, so the caller is not passed around and your team is not answering questions that belong to somebody else's book.
What it asks on a insurance agencies call
Not a name and a preferred time. Each of these has an operational reason behind it, and every one of them is yours to change.
“Personal or commercial?”
The first branch, and it decides which producer takes it. A personal auto quote and a contractor's general liability are different licences, different carriers and different people.
“Which lines: auto, home, life, umbrella?”
A bundle is worth several times a monoline policy and the caller usually mentions only the one that made them ring. Asking is the difference between one policy and three.
“When does your current policy renew?”
The single most useful fact on the call. It sets the urgency, tells the producer when the sale actually closes, and stops a quote being run six weeks before anyone can act on it.
“Any claims, accidents or violations in the last five years?”
It decides which carriers can even be approached. A producer who discovers it after quoting has to walk the number back, which is where trust goes.
“Are you calling about a claim, or about a policy?”
Asked early and deliberately. A claim is not a sales call and must not be handled as one. It goes to the carrier's claims line immediately.
“Who referred you?”
Most agency business is referral and almost none of it is recorded. Asking on the call is the only reliable point at which it can be.
What it will never do on a insurance agencies call
You are handing your phone to software that talks to your customers when you cannot. These are the lines it does not cross, and the exact words it uses instead.
It never quotes a premium
Not a range, not a ballpark, not “most people in your situation pay”. Quoting insurance requires a licence, and a number said out loud on the phone is the number the caller compares your producer's real quote against and feels misled by.
What it actually says
“I'm not licensed to give you a premium. The agent will have the actual numbers for you. Let me get you booked in with her.”
It never advises on coverage or eligibility
Whether something is covered, whether a limit is adequate, whether a claim will be paid, whether somebody qualifies. Every one of those is licensed advice and every one of them is a potential errors-and-omissions exposure for the agency.
What it actually says
“I don't want to guess at whether that's covered. It's exactly the kind of thing the agent should walk you through properly.”
A claim goes to the carrier, not into a queue
Somebody who has just had an accident is not a lead. The agent gives the carrier's claims number immediately, notifies the agency, and does not attempt to take claim details or reassure anybody about the outcome.
What it actually says
“For a claim you'll want to call the carrier directly and I've got that number here. I'll let the agency know you called as well.”
The four things it answers from
Configuration rather than something a model has been asked to remember. Change one at eight in the evening and the next call uses the new value.
Lines written
Auto, home, umbrella, commercial
States licensed
Configured per agency
Premiums quoted
Never. Licence required
Claims
Carrier line, immediately
What insurance agents say before they say yes
In the words they are usually put in. Where the objection is right, it says so.
“Anything that talks about policies is a compliance problem.”
Which is why the boundary is drawn at the one place it matters: it does not interpret coverage, does not opine on liability, does not discuss settlement. It collects facts and routes. Every one of those refusals has a sentence you approved rather than one the model chose.
“Claims callers are upset and need a person.”
They need to be heard and then reach one, in that order, which is what happens. The facts are taken so nobody has to ask twice, and the call is routed rather than left as a message. What it replaces is voicemail on a Sunday, which is where these calls go today.
“Half my calls are people wanting a cheaper premium.”
And they are worth booking. It captures the renewal date, the current carrier and the cover wanted, and puts time in the right producer's diary while the caller is still interested, rather than adding them to a callback list.
It books into the calendar you already keep
Google, Outlook, Apple, Exchange, CalDAV. An AI receptionist that emails you a summary has built a nicer voicemail; this one creates the appointment and texts the caller.
…and a lot more besides
- Warm transfersWarm transfersAnnounced — who is calling and why, before you take the line.
- Spam never billedSpam never billedRobocalls are spotted, zero-rated, and never become a customer.
- A number per sourceA number per sourceVan, yard sign, Google listing — see which line brings the work.
- Team & on-callTeam & on-callTries you, then a second number, then whoever is on call.
- Run it by textRun it by textReply to a text to move a job, block a morning, clear a day.
- Clear a day, everyone toldClear a day, everyone toldCall off a wet Tuesday; every customer is told and re-offered.
- Never invents an answerNever invents an answerNo price or slot it was not given. It takes a message instead.
- Any trade, no codeAny trade, no codeGoal, questions and guardrails are settings, not a rebuild.
Will it tell a caller whether they are covered?
Never. Coverage, liability and settlement questions are refused with a stated sentence and routed to a licensed person. That is a hard rule on the account rather than a style of answering.
What can it do on a claim call?
Take what happened, when and where, who was involved, whether anyone was injured, whether there is a police report, and the policy number, then route it under your rules. Facts only.
Can it book new business?
Yes, with the lines of cover wanted, the renewal date and the current carrier captured, into the right producer's calendar with a confirmation text.
Does it handle certificate requests?
It captures the request and everything needed to fulfil it, which removes a large share of the interruption volume from a small agency's day.
What does it cost?
From $99 a month, flat, with unlimited call flows and a monthly talk time allowance. There is a free tier for building and testing the agent before it answers a live call.
Comparing against a human answering service instead?
That is a different question with a different answer, and it has its own page: the insurance agency answering service, with a full insurance agencies call played second by second.
Trades that answer the phone the same way
The same archetype, which is what the product actually branches on. Every trade has one of these pages.