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AI answering service for insurance agencies

Sarah answers your agency’s phone and website chat 24/7, after hours and while every agent is on another line. She takes quote requests, gives the carrier’s claims line on a loss, and books the review with your licensed agent.

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Example: at 8:20 PM Karen calls Lakeside Insurance Group because water is coming into her basement, and asks whether she is covered. Sarah says a licensed agent answers that and Marcus will call in the morning, asks which insurance company is on the policy, gives Lakeshore Mutual’s claims line from the agency’s instructions, and takes the name, the address and what happened. A call-ended workflow texts Marcus the loss and texts Karen the claims number; Karen asks whether to take photos, and Sarah answers her by text.
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How the AI answering service takes a quote request

  1. The address, the vehicles, the current carrier, the renewal date.

    Sarah asks what you’ve told her to ask before a quote, in order. Nothing is quoted on the call: the answers go to the licensed agent who prices it, on the summary and on the caller’s record.

  2. Sarah offers the review slots the agency holds open, confirms the day and time with the caller, and the review is on the calendar before the call ends.

  3. Your booking workflow texts the checklist from the agency’s number: current declarations pages, the VINs, the drivers’ names. A question texted back is answered by Sarah from your instructions.

  4. The summary email lists the house, the vehicles, the current carrier and the renewal date, and carries the transcript and the recording. A workflow automation opens the contact and the deal in HubSpot.

See Sarah on my site

An AI chatbot for insurance agencies that takes requests from your website

Commercial clients need a certificate at 7 AM and homeowners shop for quotes at night. Sarah answers on your site too, under the same instructions and the same calendar.

  1. 1
    Knows your agency. The lines you write, the carriers you place with, your hours and how certificates work, learned from your pages.
  2. 2
    Asks what your service team would. Current client or new, which policy, what they need and by when.
  3. 3
    Takes the request or books the review. A certificate request goes to the service team; a quote becomes a review in your connected calendar.
  4. 4
    Confirms it. Your workflow emails the service team and texts the client that the request is in.
Example: at 7:15 AM a commercial client, Ridgeview Roofing, is on Lakeside Insurance Group’s business insurance page and asks the chat for a certificate of insurance for a job by Friday. Sarah takes the certificate holder, Delta Builders Inc, the job at 300 King St and the email it should go to, and says the service team issues certificates during office hours, as the agency’s instructions say. The request reaches the service team by email, and a text confirms it to the contractor.

What is an AI answering service for insurance agencies?

  1. An AI answering service for insurance agencies is an answering service run by an AI receptionist rather than a call center. It answers an agency’s calls and website chats 24/7, takes quote requests and after-hours losses, and books the review with a licensed agent.

  2. Sarah is Small Business Chatbot’s AI answering service for insurance agencies. She answers every call and chat, gives the carrier’s claims line on a loss, takes quote, change and certificate requests, and books quote reviews into your calendar.

Also called Insurance agency answering service, Insurance answering service, AI receptionist for insurance agencies.

See also AI answering service AI CRM

Take the calls that come in after the office closes

Losses happen at dinner time and quotes get shopped at night. Sarah gives the claims line, books the morning, and files the rest for the service team.

Example: one evening at Lakeside Insurance Group. A windshield cracked on the highway gets Harbor Casualty’s claims line, a renters quote from the website chat becomes a Thursday quote review, a father adding his daughter as a driver gets a call-back booked for 8:30 AM with Marcus, and a question about the renewal price becomes a message for the service team. A sales call selling insurance leads is answered but sends no summary email.
  • Losses get the claims line.Sarah asks whether everyone is safe, gives the carrier’s number from your instructions, takes what happened, and texts your on-call agent. A caller who asks for a person goes to the number you set.
  • Quotes get a review booked.The address, the vehicles, the current carrier and the renewal date go on the booking with a licensed agent.
  • Changes and certificates become requests.The policy, what changes or who the certificate names, and when it’s needed, in your summary email for the service team.
  • Every caller gets a record.Name, number, policies and requests, kept on the policyholder’s contact in your CRM.
  • Lead sellers never reach you.Your spam keywords catch the pitch, and the call is filed with no summary sent.

What Sarah asks, by kind of call

You write her questions for each kind of call, the way you’d brief a new CSR. For example:

  • Quotes

    • What they want quoted: home, auto, renters, business
    • The address, or the year, make and model
    • The current insurance company and the renewal date
    • The drivers, and who else is on the policy
    • How they heard about you

  • Claims and after-hours losses

    • Is everyone safe?
    • Which insurance company is on the ID card
    • What happened, when and where
    • The other driver or party, if there is one
    • The claims number, read back to the caller

  • Policy changes and certificates

    • Which policy, and the name on it
    • What changes: a car, a driver, an address
    • When the change starts
    • The certificate holder and the job
    • The email the certificate should go to

  • Billing and renewals

    • Which policy
    • The question: a due date, a payment, the renewal price
    • Whether anything changed since last year
    • The best time for the service team to call
    • The number to call back

Each answer sits in the transcript your summary email carries and on the caller’s record in your CRM. Coverage, price and what a change does to the premium are the licensed agent’s to answer, never Sarah’s.

AI for insurance agencies that runs the front desk while the agents sell

An AI virtual receptionist for your agency: Sarah schedules reviews, keeps each client’s record and sends the renewal reminders.

  • Scheduling

    for quote reviews, policy reviews and call-backs. Sarah offers the slots the agency holds open, writes the caller’s choice into the calendar, and reschedules when they text or chat back.

  • Transfers

    to your licensed agent. Add the agent’s number, and any caller who asks for a person rings through to it.

  • A client record

    kept current by Sarah. Every call, chat, text and review lands on the policyholder’s record, beside their policies and each request they made.

  • Renewal reminders

    on your schedule. Tag the client “Renewal due” and a workflow texts and emails them to book a review, stops the moment they reply, and Sarah books it.

  • A summary

    for each call and chat: the policy, what the caller needs, their details and the transcript, with the recording if recording is on.

How to set up an AI answering service for your insurance agency

Paste the agency’s website and Sarah has a first version in about a minute. Then tell her how your agency handles losses, quotes and changes.

  1. 1

    Start from your website

    Sarah reads the lines you write, the carriers you place with, your hours and your service pages, and from them writes her greeting and her first answers about quotes, claims and certificates.

  2. 2

    Make Sarah yours

    Brief her the way you would a new CSR: each carrier’s claims line, the quote questions, what a current client’s request should become, and that coverage and price are the licensed agent’s to answer. Choose a voice, then dial her from your browser to hear it.

  3. 3

    Plug in your calendar and your number

    Link Google Calendar or Outlook for the reviews, and send your line to Sarah after hours, over lunch, or all day. Workflows then text the claims number, confirm each review, tell your on-call agent about a loss, and create the contact in HubSpot or Zoho CRM.

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Example: Lakeside Insurance Group, set up from its own website in about a minute, with its instructions, calendar and workflows added after.

Insurance agency answering service pricing

Self Serve

Every tool. You set it up. Try the chat free for 7 days.

$99/ month

Billed monthly. Cancel any time.

Each month100 answered calls100 conversations100 follow-ups

  • AI phone receptionist that answers, books appointments, takes messages, transfers calls and sends you a summary
  • Website chat that answers from your site and books into your calendar
  • Texting and follow-ups by text, email and AI voice call
  • CRM and workflows, with every conversation in one place
  • Trained on up to 100 pages of your website
Start free trial

Managed

Done for you. Our team sets it up, meets with you and keeps tuning it.

$249/ month

Billed monthly. Cancel any time.

Each month500 answered calls300 conversations500 follow-ups

Everything in Self Serve, plus:

  • A 1:1 implementation call to set Sarah up with you
  • Set up for you: the chat installed, your calls forwarded, her answers and booking configured
  • Weekly meetings with your dedicated account manager
  • Ongoing tuning from your real conversations
  • Follow-up workflows built and published for you
  • Changes within 24 hours and priority support
  • Trained on up to 3,000 pages of your website
Book implementation call

See full pricing breakdown

One home and auto bundle quoted from a call that would have gone to voicemail pays for Self Serve for the year.

HubSpot, Zoho CRM and Airtable

Quote requests and losses go to the system your agents already work in.

  • HubSpot

    Each quote request becomes a contact and a deal, with the vehicles, the current carrier and the call summary in the notes.

    Workflow automation How to connect it

  • Zoho CRM

    A Zap creates the lead from each quote call with the renewal date, so your agents work it before the current policy renews.

    Zapier How to connect it

  • Airtable

    A workflow automation adds a row per quote or certificate request, ready for the service team’s morning.

    Workflow automation How to connect it

Reviews land in Google Calendar or Outlook directly. Everything else reaches the agency through our workflow automations or Zapier. The full list of integrations.

How to choose an answering service for your insurance agency

You’re hiring whoever picks up while every agent is on a call. Compare the candidates.

Candidate

A receptionist on payroll

Monthly cost
$3,000 and up
Hours covered
Office hours, minus breaks
Basement loss, 8:20 PM
Voicemail
Claims line
If they find it
Quote requests
Taken while the caller waits
Website chat
Not covered
Candidate

Sarah, your AI receptionist

Monthly cost
$99, or $79 on the annual plan
Hours covered
All of them
Basement loss, 8:20 PM
Answered, claims line given, agent texted
Claims line
Yours, per carrier, every time
Quote requests
Taken and the review booked on the call
Website chat
Same Sarah, takes the request

The other AI receptionists

Entry plans, from each company’s pricing page on Oct 23, 2026

  1. Sarah

    01
    $99 /mo
    $79 billed annually · 100 answered calls
    • Phone answering100 answered calls
    • Website chat100 conversations
    • TextingReplies and follow-ups
    • CRM
    • Calendar bookingIn the chat and on calls
    Small Business Chatbot

  2. Rosie

    02
    $49 /mo
    250 minutes a month
    • Phone answering250 minutes
    • Website chat
    • TextingBooking links by text
    • CRMNot listed
    • Calendar bookingFrom the $149 plan

  3. Goodcall

    03
    $79 /mo
    100 callers a month, about 150 calls
    • Phone answering100 callers
    • Website chatNot listed
    • TextingNot listed
    • CRMNot listed
    • Calendar bookingA booking agent

  4. My AI Front Desk

    04
    $99 /mo
    $79 billed annually · 200 minutes
    • Phone answering200 minutes
    • Website chat100 conversations
    • Texting400 texts
    • CRM
    • Calendar booking

  5. NextPhone

    05
    $199 /mo
    $166 billed annually · unlimited calls
    • Phone answeringUnlimited calls
    • Website chatNot listed
    • TextingLinks and confirmations
    • CRMFrom the $299 plan
    • Calendar booking

Questions insurance agencies ask about an AI answering service

What does Sarah do when a policyholder reports a loss after hours?

She says what you’ve written for a loss: she asks whether everyone is safe, asks which insurance company is on the policy, and gives that carrier’s claims line from your instructions. She takes the name, the address and what happened, notes the call-back for the morning, and a workflow can text the loss to your on-call agent the moment the call ends.

Will Sarah tell a caller whether they’re covered?

No. Coverage, price and whether rates will change are answered by your licensed agent. Sarah says so plainly, takes the question down and books the call-back, or puts the caller through when they ask for a person.

Can Sarah take a quote request?

Yes. Tell her what your agents ask before quoting: the address, the vehicles, the current insurance company and the renewal date, the drivers. Sarah asks it in order on the call, and the answers go in the summary and on the caller’s record for the agent who quotes it.

Does Sarah book quote reviews with a licensed agent?

Yes. Once the agency’s calendar is connected and phone booking is on, Sarah offers the review slots you hold open, confirms the day and time with the caller, and the review sits in the calendar before the call ends.

How are certificate of insurance requests handled?

Sarah takes the certificate holder, the job and the email it should go to, on the phone or in the website chat, and tells the caller when the service team issues them. The request reaches your inbox at once, and a workflow can email it straight to the service team.

What about policy changes, like adding a car or a driver?

Sarah takes the policy, what is changing and when it starts, and books the call-back with a licensed agent, who makes and confirms the change. Nothing changes on a policy without your agent.

Can Sarah tell a current client from a new caller?

Yes. Put the question in her instructions and Sarah asks it first, then follows the path you set: a current client’s request goes to the service team, a new caller gets the quote questions.

Can Sarah text the caller what to have ready for a quote?

Yes. Once the review is booked, a workflow texts the checklist from your agency’s number: current declarations pages, VINs, the drivers’ names. A question texted back is answered by Sarah from your instructions.

What happens when a caller hangs up before the review is booked?

Your “Call ended” workflow looks for a booking in the summary and, finding none, texts the caller from the agency’s number; Sarah picks the quote back up by text and books the review there.

Does Sarah ask for Social Security or driver’s license numbers?

Not unless you tell her to. Most agencies have Sarah take the name, number, address and vehicles, and leave identifying numbers for the licensed agent’s own call.

Does it work with my CRM?

HubSpot gets the contact and the deal from a workflow automation, Zoho CRM gets the lead from a Zap, and Airtable can take a row per quote request from a workflow automation. Agency systems with a public API or a Zapier app connect by the same routes.

Does Sarah speak Spanish?

Yes. When a policyholder opens in Spanish, Sarah carries the call in Spanish from the claims line to the booking, and you still get the full summary and transcript.

Is the chat on my website the same Sarah as the phone?

Yes. One Sarah runs both, with one set of instructions and one calendar, so a visitor on your business insurance page is asked the same things a caller is, and a quote review or a certificate request is handled right there in the chat.

What happens to lead sellers and robocalls?

Sarah treats them like any other caller, and your spam keywords decide the rest: list the phrases lead sellers use, and those calls never make it to your inbox as a summary.

Do I keep my agency’s number?

Yes. The agency’s number is untouched. Send it to Sarah after hours and over lunch, or all day, so every agent can stay on the call they’re on.

How much does an AI answering service for an insurance agency cost?

Self Serve runs $99 a month, or $79 a month if you pay for the year. Managed, where our team builds the setup and keeps tuning it, runs $249 a month, or $200 a month for the year.

Give Sarah the calls that ring while every agent is on the line.

Paste your website and hear her answer as your agency. No signup required.

See Sarah on my site See pricing