AI Front Office for Insurance Carriers. An AI receptionist for insurance carriers, storm night included
Zanus AI is an AI receptionist for insurance carriers that answers policyholders, claimants and agents on the phone, the website chat, e-mail and web forms, day and night, from your approved knowledge. It takes each first notice of loss, opens a tracked request and leaves every coverage and claim decision to your licensed people.
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7 days free · per company, never per seat · nothing to install
Easy setup
Answers & books
Sells
You talk. Lisa sets it up.
You“Send every caller who mentions an injury straight to the claims desk.”
Lisa“Before: injury calls follow the normal claims queue. After: any caller who mentions an injury goes straight to the claims desk, announced. 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 Carriers
- Policyholders reporting a burst pipe, a crash or a hail-damaged roof at any hour
- Claimants asking what happens next and when the adjuster calls
- Independent agents and brokers checking appetite and submissions
- Beneficiaries reporting a death on a life policy
- Lenders, body shops and contractors asking for a document or a status
- Program partners of an MGA asking which desk handles a risk
What it answers
What an AI receptionist for insurance carriers answers
One AI front office answers the policyholder line, the agent line, the claims mailbox and your website, in each caller's language, from the knowledge your team approved.
Every call on the first ring
Zanus AI answers every call on the policyholder and claims lines at once, 24/7, so inbound calls never wait in a hold queue or a phone menu and the caller says what happened in their own words.
First notice of loss, complete
The AI asks the intake questions your claims team wrote for that kind of loss, reads the callback number back and opens a claims-intake request with the whole conversation.
Routed by reason and language
Claims, policy service, billing, the agent line or a named colleague: each caller reaches the right department, and each department runs AI only, AI first or your people first.
Answers from approved knowledge
Grace periods, where to send photos, how to get an ID card or proof of insurance: the AI answers from your knowledge base, and with no source it offers a person instead of guessing.
Chat, e-mail and forms too
The same knowledge answers the website chat, the service mailboxes and the online claim forms, so a policyholder hears one answer whatever door they used.
Every call written down
Each call the AI answers is saved with its transcript, its summary and its outcome, and the morning briefing lists what reached the claims line overnight.
The carrier's year
The moments a virtual receptionist for insurance carriers handles
The storm night
After hail or a hurricane, call volume jumps within the hour, yet there are no missed calls: each policyholder is answered on the first ring, gives the first notice of loss and hears when the claims team plans to call.
Friday at five
A producer from an insurance agency calling the agent line asks about a submission sent on Tuesday; the AI takes the details, opens a request for the underwriting desk and says when to expect the answer.
A death on a life policy
A son calls about his late mother's policy; the AI offers condolences, takes the policy number and how to reach him, and hands him to your life claims person with the context announced.
The lender on the line
A mortgage processor asks for proof of insurance or a mortgagee change; the request opens for policy service with the loan details, and the confirmation e-mail carries its number.
The flooded apartment
A renter whose kitchen flooded at midnight asks what to do first; the AI reads your safety wording, takes the first notice and notes on the request that she wants a call back in the morning.
The grace-period question
A policyholder asks how long she has to pay before the policy lapses; the AI answers from the approved wording and sends anything about her own account to billing.
Real screens
Inside the AI answering service for insurance companies, screen by screen
Real Zanus AI screens with demo data, each showing what it does for a claims, service or agent desk.
Compared
An AI receptionist, an overflow answering service or voicemail?
What carriers weigh for the hours and the surges a contact center cannot staff, with no brand named.
| For a carrier's phone lines | Voicemail and a phone menu | An overflow answering service | Zanus AI |
|---|---|---|---|
| A loss reported at 2 a.m. | A voicemail heard next morning | A message typed by an operator | A first notice of loss taken: and a claims request opened |
| A storm surge | Callers stuck in the menu | Operators queue the overflow | Every call answered at once: with no hold queue |
| Coverage questions | Left for a callback | Read from a generic script | Handed to a licensed person: with the conversation attached |
| Languages | One recorded greeting | Whoever is on shift | The caller's own language: on every line |
| What is written down | An audio file | Notes typed after the call | Transcript and summary: on the policyholder's record |
Guardrails
What goes to your licensed people, every time
Coverage and liability
Whether a loss is covered, who is at fault and what a policy pays are answered by your people; the AI says so plainly and never hints at an answer.
Claim decisions
The AI never adjudicates, reserves, values, approves or pays a claim. It writes the facts down and hands them to claims with the whole conversation.
Underwriting and binding
The AI quotes no premium, binds nothing and changes no policy. A request for a change becomes a tracked request for policy service or underwriting.
Injury and danger first
A rule you write runs first on every channel: when someone is hurt or in danger, the caller hears your emergency wording before any question about the claim.
Complaints and attorney letters
Complaints, disputes and letters from counsel wait for the right desk with a summary, and that department can be set so the AI only proposes and a person sends.
Your approved knowledge only
Answers come from the knowledge you approved, and a sentence it does not support is held back, so a caller is offered a person rather than a guess.
Set-up
Your FNOL intake and policyholder service line, set up in 2 minutes
Give Lisa your website
Lisa reads your public pages, your claims steps and your billing help, then asks which lines you run: policyholder service, claims, billing and the agent line.
Write the rules that matter
Tell her what the AI must never say about coverage, what it always says when someone is hurt and which questions a first notice of loss needs.
Forward one line
Forward the after-hours claims number to the Front Office first, with no porting, and hear the AI answer it before you widen the scope line by line.
Read a week of calls
Run the free trial on your own lines for 7 days, with no credit card, and read every call, request and transcript the week produced.
Questions & answers
Frequently asked questions about an AI receptionist for insurance carriers
What is an AI receptionist for insurance carriers?
It is software that answers a carrier's phone lines as a voice agent, and its website chat and service mailboxes in writing, like a trained front desk. Zanus AI greets policyholders, claimants and agents in their language, answers from your approved knowledge, takes the first notice of loss, routes each caller and writes every conversation down, while coverage and claim decisions stay with your people.
Can an AI take first notice of loss calls at night?
Yes. The AI answers the claims line on the first ring at any hour, asks the questions your claims department set for that kind of loss, reads the callback number back and opens a claims-intake request with the transcript. Your adjusters start the morning with every overnight FNOL already written down, so the claims team can never miss a first notice of loss reported at night.
Does the AI approve or deny claims?
No. Zanus AI is an AI agent for the front desk, not for the claims decision. It takes the facts down, opens the request and hands it to your claims team with the conversation attached. It never approves, denies, values, reserves or pays a claim, and it never tells a caller whether a loss is covered.
How does an AI receptionist handle a catastrophe surge?
Every call is answered on the first ring with no hold queue, so a hail storm or a hurricane does not leave policyholders listening to music. The AI reads the safety wording and the catastrophe line you added to its rules, takes each first notice in turn and tells callers when the claims team plans to call back.
Can agents and policyholders call the same number?
Yes: one phone number can serve both, or each group keeps its own. The AI hears who is calling and why, then routes a producer from the appointed insurance agencies that sell your policies to the underwriting or agency desk and a policyholder to claims, policy service or billing. Each department can be AI only, AI first or your people first, so agents always have a way to reach a person.
Does it replace our policy administration and claims systems?
No. It is not a policy administration or agency management system, and your policy, claims and billing systems remain the record of every policy and every claim. The Front Office sits in front of them: it answers, takes the first notice, opens the request and keeps the conversation, and your people carry the result into your existing systems.
How is a caller handed to a licensed representative?
The AI rings the representative on the computer, the phone app or a mobile and tells them who is calling and why, so they pick up with the full context before the call connects. The caller never repeats the story, and with AI Calls Transcripts the representative's part of the call joins the same written record.
Which languages does the AI speak with policyholders?
The caller's own. On the phone an AI voice answers in the caller's language, the website chat speaks 40 languages, and wording your team approved once in English reaches each claimant in theirs, so a policyholder who speaks Vietnamese reports the loss without waiting for an interpreter.
Can we keep our existing claims and service numbers?
Yes. Forward the numbers printed on your ID cards and claim forms to the Front Office and the AI answers from that moment, with no porting. You can begin with the claims line after business hours and add policyholder service and the agent line when you are ready.
What does an AI receptionist cost for an insurance carrier?
It is priced per company, never per seat, so representatives, adjusters and underwriters all work in it under one subscription. You choose the modules you need, the current plans are on the pricing page, and the Front Office can be tried free for 7 days with no credit card.
How long does it take to set up?
About 2 minutes for a first line. You give Lisa your website, tell her your departments, your never-say rules on coverage and your first-notice questions, forward one number and hear the AI answer before you decide. Every change she makes is shown to you before and after.
Is a virtual receptionist for insurance carriers the same as an answering service?
An answering service takes messages, while AI receptionists such as this one do the work on the call. It answers from your knowledge, takes the first notice of loss, opens a tracked request, books inspections with AI Booking and hands licensed questions to your people, with every call transcribed on the policyholder's record.
Can calls to our claims line be recorded?
Recording is off as shipped. Switched on, the part a person handles is recorded with two short beeps that both sides hear, it can be transcribed, and it is kept for the number of days you choose. The calls the AI answers are always written with a transcript and a summary.
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.