Quote calls hit voicemail
A shopper comparing rates leaves a message, then keeps dialing — and binds with whichever agency answered and quoted first.
For independent agencies & brokers
AI automation for insurance: capture the quote, remind the renewal, take the first notice.
New-business quote calls, renewal deadlines, and after-hours claims all compete for a small service team. Cognautic can configure an AI agent for agreed business-hours or overflow lanes, capture structured quote intake, run consent-aware renewal reminders, and take first-notice-of-loss details — with supported writes to Applied Epic or EZLynx and missed-call text-back as a fallback.
Scoped call coverage. Tested intake. Customer-owned numbers and records.
Every miss is a policy
The shopper who can't reach you buys from the agency that picked up.
A missed quote call is a lost policy and the renewal stream behind it, and a mishandled first notice frustrates a client at their worst moment. We start by measuring your actual missed-call, response, and intake baseline rather than assuming every call would have bound.
The old way
Renewals slip through the cracks
A busy service team means some renewals aren't touched until it's late, so clients lapse or shop the market on their own.
A service team with human limits
During renewal season or after a storm, simultaneous quote, service, and claims calls overwhelm a lean office and something always slips.
Intake gets re-keyed and lost
Quote details scribbled on a pad and re-entered later — incomplete, delayed, and never reaching Applied Epic in a usable form.
What we build for agencies
Configured coverage, intake, renewals, and first-notice capture for the work you approve.
We start with the biggest measured leak — often missed new-business quote calls or slipping renewals — then connect the rest into one system you watch from a single screen.
AI intake & service assist
Handles approved questions, captures structured details by line of business, applies your configured policies, and offers supported logging, callback scheduling, or human handoff.
New-business quote intake
Asks your approved questions for auto, home, commercial, or life, records answers consistently, and routes a complete intake to a licensed producer to quote and bind.
Renewal reminders & retention
Bounded, consent-aware sequences can flag upcoming renewals and offer a supported review — stopping on reply, opt-out, or the configured limit.
Claims first notice of loss
Captures the approved first-notice details, provides the carrier claims guidance you script, and escalates to the right human. It does not adjust, decide coverage, or give legal advice.
Missed-call text-back
When a supported missed-call event is received, the workflow can send a prompt, consent-aware text and route the reply for follow-up before a shopper binds elsewhere.
Callback & review scheduling
Where availability is exposed, the agent can offer permitted callback or review slots with a producer and confirm under your configured rules.
The agent in action
It sounds like your best CSR — and it intakes like one too.
We train the agent on your lines of business, your carriers' intake requirements, your renewal cadence, and your escalation policy. It captures the routine calls end-to-end and knows exactly when to put a licensed human on.
Knows your lines of business
Auto, home, umbrella, commercial, life — it asks the right approved intake questions for the coverage the caller is asking about.
Stays in its lane
It captures facts and schedules the right human. It does not quote binding terms, decide coverage, adjust claims, or give legal or coverage advice — those go to a licensed producer.
Escalates the sensitive calls
A coverage dispute, a complex commercial risk, or an emotional claim call routes straight to a human with the intake summarized.
Works with your stack
It writes into the agency management system you already run.
Where supported access is available, the agent and workflows can connect to your existing agency management or rating platform without replacing it. We build a named, tested connection to the systems you name.
Applied EpicAgency management
- Creates approved activities, notes, or intake records through supported APIs
- Reads or writes approved client and policy fields when available
- Can trigger configured confirmations and reminders
EZLynxManagement & rating
- Creates approved contact and intake fields
- Uses exposed workflow rules for quote handoff
- Recorded outcomes available for review
HawkSoft & AMS360Agency ops
- Intake and service requests routed for supported handling
- Named, tested connection scoped per platform
- Recorded outcomes available for review
HubSpot & agency CRMsPipeline
- New quote opportunities logged with structured detail
- Renewal and follow-up tasks created where supported
- Consent state respected across sequences
Twilio & DeepgramVoice
- Low-latency call handling on supported routes
- Configured recording or transcription with required notice
- Fallback routing and failed-call visibility
Google & Outlook CalendarAvailability
- Reads availability exposed by the connected calendar
- Offers only permitted callback slots
- Writes confirmed appointments with tested conflict handling
Insurance agency AI automation FAQs
It uses an approved business voice and stays within the configured lane. We design disclosure and recording notices around the applicable rules and your policy; callers should not be misled where disclosure is required. Anything outside scope is handed off or captured for human review.
No. The agent captures structured intake and schedules or routes to a licensed producer; it does not quote binding terms, bind coverage, decide coverage questions, or give legal advice. Licensing and regulatory compliance remain the agency's responsibility, and we scope the flows to keep the agent inside factual intake and handoff.
For a reported loss, the agent captures the approved first-notice details, provides the carrier's claims guidance you script, and routes to the right human. It does not adjust the claim or promise coverage. We test the failure and escalation paths and never treat a handoff as received until it is confirmed.
When the platform exposes the required APIs, the activity, note, or intake record can be created there. We build a named, tested connection and check the fields and workflow behavior before launch; a logo or stored credential is not an operational integration until it is tested.
Customer-owned phone numbers, agency management accounts, client records, and source-system data stay in your name. Recording, transcript, retention, export, and porting options follow the selected providers. Cognautic-hosted runtime may stop when service ends, so the written exit plan identifies what remains and what must migrate.
Free consult
Stop losing quotes and renewals to voicemail.
Tell us about your agency and request a free consult. We'll map where quote calls, renewals, and first notices are slipping, and show you the smartest first system to build. No pitch, no pressure.
- Your measured missed-call baseline and a value hypothesis
- Which business-hours or overflow lanes to test
- The supported Applied Epic or EZLynx write path and its access dependencies
- A written build price, ROI hypothesis, and measurement plan