An AI agent for insurance brokers
that chases renewals and collects documents, not advice
A broker's book of business grows until renewal reminders and document chasing eat a full-time role's worth of hours every month, work that rarely needs a licensed broker's judgment, just consistent follow-up. We build an agent that reminds clients ahead of renewal, collects the documents a quote needs, and sends any real coverage question straight to a broker.
Why insurance brokers lose money today
Renewal season for a brokerage looks the same every cycle: a broker or an account manager works through a list calling and emailing clients individually about a renewal date that was already known months in advance, and a meaningful share of that effort goes to clients who simply need a reminder, not a conversation about changing coverage. A missed renewal is not just lost revenue for the brokerage, it can leave a client genuinely uninsured for a gap neither side wanted.
The second problem is new-client intake. A prospective client asking what a given policy type generally costs or covers gets an answer that depends entirely on who picks up the phone that day, and a prospect comparing a few brokerages often goes with whoever responded fastest and most clearly, not necessarily the best fit for their actual risk.
The third is the regulatory and professional exposure in casual answers. A staff member trying to be helpful can drift from “here is generally how this type of policy works” into something that reads as actual coverage advice, which is exactly the liability a licensed brokerage needs to avoid outside a documented, advised conversation.
A fourth, seasonal problem is volume concentration around renewal cycles. A book of business with many policies renewing in the same quarter compresses a year’s worth of reminder and document-chasing work into a few intense weeks, and that work does not shrink just because the deadline arrived, it grows.
What we build
An agent that runs your renewal schedule, sending clients a reminder ahead of each policy’s actual renewal date with the specific documents needed for that policy type, checked against a checklist built for how your brokerage underwrites. It answers FAQ on coverage types and process from your own written material, not a generic guess, and collects new-client intake details before routing the lead to a broker licensed for that line of business.
The agent has one hard rule in its playbook: it never gives coverage or claims advice. The moment a question moves from “what documents do you need from me” to “what coverage should I actually get” or “how should I handle this claim,” it says so and hands off to a broker with the conversation attached, so nothing needs repeating.
For brokerages carrying clients across several lines of business, commercial, personal, professional liability, each with its own renewal cycle, the agent runs separate reminder schedules per policy so a client with overlapping coverage gets one clear message per renewal instead of confusion between two dates.
What stays with humans
All coverage advice, underwriting judgment and claims guidance stay entirely with your licensed brokers. The agent reminds, collects and routes; it never advises on what a client should buy or how a claim should proceed, and every such question is a hard, logged hand-off.
Price and timeline
| Package | Price | Timeline |
|---|---|---|
| Agency runs it | from $2,500 | 3 to 4 weeks |
| Full control, handover-ready | from $4,250 | 4 to 6 weeks |
Related
Pair this agent with a lighter WhatsApp bot for insurance brokers if document collection alone fits your brokerage better right now, or CRM and renewal analytics for insurance brokers to see your renewal pipeline in one place. See the full package breakdown on the AI agents service page, or get a written plan with a fixed price for your brokerage.
FAQ
How much does an AI agent for an insurance brokerage cost?
Our Assistant package starts at $2,500: renewal reminders, document collection, coverage-type FAQ, hand-off to a broker, live in 3 to 4 weeks. A lighter document-collection-only bot for new quotes starts at $900.
Does the agent give advice on coverage or claims?
No, and that line is built into the playbook as a hard rule. It reminds clients of renewal dates, collects documents against a checklist, and answers general process questions. Any question about what coverage someone actually needs, or how a claim should be handled, routes to a licensed broker, never the agent.
How does it know what documents to collect for a quote?
From a checklist you give us, built by policy type: a commercial property quote needs different documents than a professional liability renewal. The agent asks for what that client's specific policy type needs, not a generic list that misses half of what underwriting requires.
Which channels does it run on?
WhatsApp and email are the most common for renewal reminders and document upload, plus your site chat for new-client FAQ. We add SMS alongside if your clients respond better to a text.
Does it integrate with our broker management system?
We integrate with a CRM like HubSpot or a broker management system's API where one exists and is reliable. If there is no solid integration point, we tell you before the project starts rather than promising a sync that will not hold up.