A WhatsApp bot for insurance brokers
that tracks renewals and claim status, where clients already are
A client wanting to know where their claim stands, or needing to send a document for a renewal quote, usually reaches for WhatsApp before they reach for email or the phone. We build a bot that lives there: reminders, document upload and a status check, with anything beyond that routed straight to a broker.
Why insurance brokers lose money today
A renewal reminder sent by email competes with dozens of other unread messages in an inbox a client checks once a day, if that. The same reminder on WhatsApp, where most clients already read messages within minutes, gets seen and acted on far more reliably, but most brokerages still default to email simply because that is how the reminder system was originally set up years ago.
Document collection for a new quote has the same problem in reverse: asking a client to upload files to a portal they have to log into creates friction that a WhatsApp message with a direct photo upload does not. A client who would happily snap a photo of a document in the chat they are already in may never get around to logging into a separate portal.
Claim status is the third recurring call driver. A client who filed a claim two weeks ago and heard nothing since will call to ask, and that call takes a staff member away from actual claims work to say something that a real-time status pull could show automatically.
What we build
A WhatsApp bot that sends renewal reminders per policy on the actual date that policy renews, not a blanket monthly reminder that misses the specific window. New-quote document collection runs through the same chat, checked against a checklist for that policy type, so a client knows exactly what is missing rather than guessing.
Where your claims or management system has a reliable API, the bot pulls real claim status on request, so a client checking in gets an actual answer instead of “let me check and call you back.” Every document and status request logs to your team with a timestamp, visible without anyone calling the client to ask what they sent.
The bot runs on the WhatsApp Business API with approved templates for reminders, which keeps the number compliant and unflagged at the volume a brokerage with hundreds of active policies actually needs.
What stays with humans
All coverage and claims judgment stays with your licensed staff. The bot reminds, collects and reports status; it does not advise on coverage or make a decision on a claim. Any question drifting toward advice gets a clear, immediate redirect to a human.
Price and timeline
| Package | Price | Timeline |
|---|---|---|
| Agency runs it | from $900 | 1 to 2 weeks |
| Full control, handover-ready | from $1,530 | 2 to 3 weeks |
Related
Pair this with the full AI agent for insurance brokers once FAQ and new-client intake are worth adding, or CRM and renewal analytics for insurance brokers to see your renewal pipeline in one place. See the full package breakdown on the development service page, or get a written plan with a fixed price.
FAQ
What does a WhatsApp bot for a brokerage cost?
A renewal-reminder and document bot for one or a few policy types starts at $900, live in 1 to 2 weeks. The fuller [AI agent for insurance brokers](/solutions/ai-agent-for-insurance-brokers/) with FAQ and new-client intake starts at $2,500.
Can it tell a client their actual claim status?
If your claims or management system has an API we can read reliably, yes, it pulls the real current status. Where no reliable integration exists, we tell you before the project starts rather than promising a status check that would just be a guess.
Does it give any coverage advice through the chat?
No. It handles reminders, document collection and status checks only. Any question that drifts toward what coverage someone needs gets a clear redirect to a broker, written into the bot's rules from day one.
How do you avoid WhatsApp flagging the number for bulk messaging?
We use the WhatsApp Business API with approved message templates for reminders and human-like timing for conversational replies, which is the compliant path for this kind of volume, rather than a script sending unapproved bulk messages that risks a ban.
Can it handle clients with policies in different languages?
Yes, the bot replies in the language the client writes in, which matters for brokerages with international or expat clients.