AI Front Office for Insurance Agencies. An AI receptionist for insurance agency calls, day and night
Zanus AI is an AI receptionist for insurance agency teams that answers calls, website chats, e-mails and quote forms day and night, in each client's language. It takes quote intake, files service requests and claim details for your people, books reviews with the right producer and hands every coverage question to licensed staff.
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7 days free · per company, never per seat · nothing to install
Easy setup
Answers & books
You talk. Lisa sets it up.
You“Coverage questions go to the client's account manager; after 6 PM, give claim callers their carrier's line.”
Lisa“Coverage questions will transfer to each client's account manager, and after 6 PM claim callers will hear their carrier's claims line from your list. Apply?”
Any setting, in any module · applied only on your yes
Start with the one thing you need. Add more anytime by asking Lisa.
The whole Front Office › · All industries ›
Who reaches you
Who the AI answers for Insurance Agencies
- Shoppers comparing auto, home or business coverage before their policy renews
- Clients adding a teen driver, a new vehicle or a lender after a refinance
- Contractors whose general contractor wants a certificate before Monday
- Policyholders reporting a fender bender, a hail-damaged roof or a burst pipe
- Mortgage processors and closing agents asking for evidence of insurance
- HR managers and employees of benefits groups during open enrollment
The agency front desk
What an AI receptionist for insurance agencies answers
As an AI virtual receptionist for insurance agency teams, one front office answers the phone, the website, the service inbox and the quote forms from the information your agency approved.
The main line, first ring
AI Phone answers the agency's inbound calls day and night, tells a shopper from a client, sorts personal from commercial lines and sends each caller to the right producer or account manager under your call handling rules.
Website visitors
AI Webchat answers what visitors ask about your carriers, lines and hours, by text or with an AI voice, collects the details a producer needs for a quote and offers a licensed person for coverage.
Quote forms and referrals
AI Web Forms replies the moment auto, home or business quote requests arrive from your forms, asks for what is missing, such as the current expiration date, and offers a time with a producer.
The service inbox
AI E-mail sorts the agency's customer service mail to personal lines, commercial or billing and drafts the routine reply, while anything about coverage, a claim or a cancellation waits for a licensed person's approval.
Reviews on the right calendar
AI Booking handles appointment scheduling: it books appointments only in the free times of the producer who writes that line, keeps travel time for a site walkthrough and sends the confirmation and the reminders.
One record per client
AI CRM keeps every call, chat, form and e-mail on the client's record with its source, so the CSR who calls back reads the whole story first.
Every line you write
24/7 answering for independent insurance agencies, line by line
Personal lines
Auto, home, renters and umbrella clients reach a voice that takes driver and vehicle changes, mortgagee updates and ID card requests, and books reviews with their account manager.
Commercial lines
Contractors, restaurants and shops get certificates requested, payroll and vehicle changes taken and renewal meetings booked with the producer who writes their account.
Employee benefits
Employer groups and their employees get the enrollment timeline from your approved guide, while eligibility, plan and claim questions go to the broker's service team.
A day at the agency
The moments a virtual receptionist for insurance agencies cannot miss
8 AM after a hailstorm
Roofs across town were hit overnight and the phones ring before the office opens. Every policyholder is answered, the loss details are taken and the carrier's claims line is given from your list.
Lunch with two CSRs out
The front desk is at lunch when a contractor's office manager needs a certificate for a job that starts tomorrow. The request is taken whole and lands with the commercial account manager.
A closing on Friday
A mortgage processor calls for evidence of insurance before Friday's closing. The AI takes the loan number and the mortgagee clause and files the request where your team works it first.
6:40 PM, a new car
A client bought a car on the way home and wants it on the policy. The AI takes the vehicle and driver details for the morning, and your approved wording tells the caller what happens next.
Renewal week
A client's home renewal arrived higher than last year and she calls upset. The AI does not explain the premium; it books a review with her producer and tells him why she called.
Open enrollment
Employees of a benefits group call with the same enrollment questions. The AI answers from the guide your agency approved and sends eligibility and plan questions to the broker's team.
Real screens
Inside the AI receptionist for insurance agency teams, screen by screen
Real Zanus AI screens with demo data, framed for an independent agency's front desk.
Compared
AI receptionist or an insurance answering service?
Many agencies send overflow calls to a service that takes a message for the morning. Zanus AI gives 24/7 availability on your own number, answers from your approved information and finishes the intake while the client is still on the line.
| What an agency needs | A CSR at the front desk | An answering service | Voicemail | Zanus AI |
|---|---|---|---|---|
| Calls after 5 PM | Unanswered until morning | A message for the morning | A recording nobody hears tonight | Answered: with the details taken and the next step booked |
| Quote intake | Taken between service calls | Name and number only | None | Your producer's questions: asked in the caller's own words |
| A coverage question | Answered if the CSR is licensed | Noted for a callback | Left on the tape | Handed to a licensed person: with the reason announced first |
| A storm morning | A busy line | Longer holds | A full mailbox | Every policyholder answered: on your own number, with no queue |
| What is written down | What someone has time to type | A message slip | The voice message | Every conversation: with transcript and summary on the client's record |
Guardrails
What the AI hands to a licensed person
Coverage and limits
Am I covered, how much should I carry, is this excluded: each question about a client's coverage needs gets your approved wording and becomes a transfer, a booked review or a message, never an answer.
Premiums and binding
The AI quotes no premium, promises no rate and binds nothing. A request to start or change coverage is taken as details for your licensed staff to place with the carrier.
Claims
Loss details are taken with your script and filed for your claims person; the AI gives the carrier's claims line from your list and never says whether a claim will be paid.
Cancellations and complaints
A request to cancel, a complaint or a broker-of-record letter is filed for the account manager and the principal under your rule, with the whole conversation attached.
How it introduces itself
Your approved greeting decides what callers hear: the agency's name and its receptionist, never a licensed agent. What an unlicensed voice may say is the list you approve.
Urgent and personal
Someone hurt, a home that cannot be lived in, an angry client: your rule names what rings a person first, announced with the caller's name and reason before the call connects.
Set-up
An AI front office for insurance brokers, set up in 2 minutes
Lisa reads your website
Lisa, your AI assistant, reads your pages about lines, carriers and offices, then asks your hours, the states you write in and the languages your team speaks.
Forward the agency number
Forward the number printed on your ID cards and website, and the AI answers from that moment, with no porting; a new local number is also available.
Name who takes what
Tell Lisa who handles personal lines, commercial, benefits, certificates and claims; she shows each change before and after and applies it when you say yes.
Try it on your agency
Run the Front Office on your own agency for 7 days with no credit card, then read every call, chat and quote form it handled before you decide.
Questions & answers
Frequently asked questions about an AI receptionist for insurance agencies
What does an AI receptionist for an insurance agency do?
It answers the agency's phone, website chat, e-mail and quote forms like a trained front desk that never closes. It takes quote intake, files policy changes and certificate requests, records claim details for your claims person, books reviews and passes anything about coverage, limits or price to a licensed person, announced with the caller's reason.
Will AI replace insurance agents?
No. AI answering takes the routine work of the agency front desk: answering, sorting, intake, reminders and call notes. Advice, placing coverage, binding and the client relationship stay with your licensed producers and account managers, who get back the hours they spent returning voicemail.
Does the AI give coverage advice, quote premiums or bind policies?
No. It binds nothing, quotes no premium and never says whether a loss is covered or which limit to choose. It answers only from the knowledge base your agency approved, such as hours, the carriers you represent, documents to have ready and each carrier's claims line, and hands every advice question to a licensed person.
Can an AI receptionist take claim details after hours?
Yes. When a policyholder calls at night about a crash or a burst pipe, the AI takes the first notice of loss with the claim script your agency wrote: the date, the place, what happened and the best phone number to reach them. It gives the carrier's claims line from your approved list and opens a ticket for your claims person; your team files the claim with the carrier, and the AI never confirms coverage.
Does it replace our agency management system?
No. Your agency management system stays your system of record for policies, carrier downloads, documents and commissions, and quotes are still run in your rater and carrier portals. Zanus AI is the front office that works in front of agency management systems: it answers, takes intake, keeps every conversation on the client's record and hands the policy work to your team.
How much does an AI receptionist for an insurance agency cost?
Zanus AI is priced per company, never per seat or per producer, so every CSR and account manager shares one subscription. You pick the modules your agency needs; the plans are on the pricing page, and the Front Office runs free for 7 days with no credit card.
Is an AI receptionist a good idea for a small independent agency?
AI receptionists fit an agency whose CSRs cannot pick up at lunch, on a storm morning or after business hours, the hours when a shopper rings the next agency on the list. The AI covers those hours and the call volume of a busy Monday, so the agency stops losing missed calls and will never miss a shopper to voicemail; your people get only the calls that need a licensed voice.
What happens on a storm morning when every client calls at once?
The AI answers every call from your policyholders, with no busy line and no hold queue. After hail or a hurricane, the AI takes each loss report with your approved wording, gives the right carrier's claims line and, under the rule you wrote, rings a person first for anyone hurt or unable to stay in their home.
Can clients talk to the agency AI in Spanish or another language?
Yes. The AI answers each caller, website visitor and e-mail in the client's own language, across 40 languages, and your team reads the transcript and summary on the client's record. A Spanish-speaking caller can also be routed first to the producer on your team who speaks Spanish.
How is it set up, and do we keep our agency number?
It is ready in 2 minutes. Lisa reads your website, then asks your offices and hours, the lines and carriers you write, who handles certificates and where coverage questions go. You forward the number your clients already know, with no porting, and calls are answered from that moment.
How does the AI know which producer or account manager gets a call?
You tell Lisa: personal lines to one team, commercial to another, benefits to a third, plus the language each person speaks and their hours. The AI routes by the reason the caller gives and tells your colleague who is calling and why before the call connects; when nobody is free, it takes a message.
Can the AI handle certificate of insurance requests?
It takes them and files them; your account managers issue them. The AI asks once for the holder's name and address and the wording the general contractor wants, opens the request in AI Tickets with the conversation attached and tells the requester when to expect the agency's reply.
Award-winning AI
Winner at CES 2026, ISE 2026 and TMCnet Enterprise AI Product of the Year.
REAL AI - the whole Front Office is AI, not old software with an AI button.
Awards & trade shows ›
Give Lisa your website.
She sets up your business in 2 minutes.
Other software makes you learn it. Zanus AI learns your business.
Try it free on your own business — no credit card, per company, never per seat.
Ready to buy? See plans & pricing ›
Or call +1 (954) 736-3939 — the AI answers.