Managed Agents at Previously $0.06 $0.03/minManaged Agents are Previously $0.06 $0.03/min.

ServiceNow#1 on EVA-Bench

Artificial Analysis#1 on Speech Agent Arena

Insurance answering service that helps agency clients at night.

Callers can get the claims line after a loss, request a certificate, and reach the agent on duty.

Talk to salesStart building

Trusted by leading teams

ServiceNowArtificial Analysis

Ranked #1

on EVA-Bench and Speech Agent Arena

ServiceNow
Indeed
SpeakX
Supernova
1Point1
ELSA

Help policyholders after hours and get certificates out on time

A caller with a loss gets the carrier's claims line, and certificate requests wait for the team.

The agent answers hours and the lines you write from your list. It saves quote and coverage questions as a callback request.

An insurance answering service for independent agencies

What is an insurance answering service?

An insurance answering service picks up for an agency when the office is closed or staff are on other lines. This one is a voice agent for independent agencies. It gives a caller with a loss the carrier's claims line and takes certificate requests.

  • Read hours and policy lines
  • Read the carrier claims line
  • Save a service request
  • Page the agent on duty
  • Transfer to the agent on duty

A tree came down on the garage. Who do I call?

The voice agent asks whether anyone is hurt and reads your 911 script if so. Then it gives the carrier's claims line from your list and can ring your agent on duty, so a client with a loss isn't hunting through old emails.

I just had a fender bender and I'm not sure who to call.

I'm sorry. Is anyone hurt? If so, call 911 first.

No, just dented bumpers. It's my auto policy with you.

Can an insurance agent answering service take certificates?

Yes. It takes the holder, the policy name, the job and the email, reads them back and saves the request in your service queue. A certificate needed within a day pages the agent on duty with the deadline, and it never promises when one will be issued.

  • Certificate for Dockside Builders2:12
  • Fender bender, claims line read1:38
  • Claim call, agent connected1:47

Is an answering service for insurance agents licensed to quote?

No, and this one stays out of licensed work. It won't quote, bind, change a policy or interpret coverage. Quote and coverage questions become callback requests, so each one waits for a person who can act on it.

Certificate fully captured

Did the agent record the certificate holder and the email address to send it to before the call ended?

What your producers find waiting in the morning

Storms and job sites don't stop at 5 p.m. An insurance agency AI answering service holds these requests together overnight, until your team can act on them.

Certificates come in complete

Holder, policy name, job and email are all read back before the request is saved, so your team isn't calling a roofer at 7 a.m. to ask where it goes.

A 9 a.m. job start gets flagged tonight

Anything needed within a day pages the agent on duty with the deadline attached. The caller hears that the deadline was passed on and hears no promise about timing.

A tree on the garage gets the right number

After checking whether anyone is hurt, the voice agent reads the carrier's claims line from your list, so a client with a loss isn't hunting through old emails.

Callers hear which lines you write

A contractor asking whether you write their kind of policy hears your lines and hours from the list you keep, then leaves a callback request for a quote.

Requests land in your service queue

Through tools you configure, certificate requests reach Salesforce, HubSpot or Outlook, so ID card and vehicle change calls don't live in someone's voicemail.

Coverage questions stay with licensed staff

Is this covered? The voice agent will not say. It won't quote or bind, and it's no emergency service. Your people make those calls.

Ready for a caller standing in a driveway after a storm

Loss calls come from driveways and road shoulders, and policy names get read off a phone. Cartesia's speech models follow along.

  • $0.03per minute
  • #1on Speech Agent Arena and EVA-Bench
  • 24/7answers every call, at any hour

Handles spelled emails and LLC names

Certificate callers rattle off holder names and addresses from a job sheet. The agent lets them finish, then reads every detail back.

A strict list and your LLM

Select your LLM, and it reads answers from your lists. Tools fetch policy lines and carrier claims numbers, save service requests, page the agent on duty and transfer the call.

Sounds like your agency

A local independent should sound local. Try library voices until a longtime client would feel they called their own agency.

The answering service insurance agencies compare after 5 p.m.

Agencies looking at an insurance call answering service usually weigh a live operator against the voicemail they already have.

Voice agentLive answering serviceVoicemail
Picks up after a storm hitsYes, calls run side by sideYes, callers may holdMailbox fills up
Gives the carrier's claims lineFrom your list, on every loss callIf the operator has the current listOnly if your greeting says it
Captures a certificate requestAll four details, read backOften, if it's in the scriptWhatever the caller leaves
Flags a next-day certificatePages the agent on dutyUsually, from your escalation notesYou find it in the morning
Comforts a shaken clientAsks about injuries, then rings your agentA person on the line, which many clients preferNo
How you pay$0.03 a minute, LLM usage on topUsually a monthly plan with per-minute feesFree, and the client may call another agency

See which calls ended with a certificate request ready to send

Every call is recorded and transcribed. See which calls saved a certificate request with the holder and email, and which gave a caller the claims line.

Launch an insurance agency answering service in three steps

Start building

  1. Clone the Agency service line

    Load your hours, the lines you write and each carrier's claims number into your copy of this agent.

  2. Connect your queue and on-duty paging

    Link Salesforce, HubSpot or Outlook and your paging tool through tools you configure, and send after-hours calls to the agent.

  3. Request a certificate for tomorrow

    Call for a certificate needed by 9 a.m., then report a fender bender. Check the page, the saved request and the claims line before you go live.

Enterprise-grade security

  • HIPAA compliant badge

    HIPAA compliant

  • SOC 2 Type 2 badge

    SOC 2 Type 2

  • GDPR badge

    GDPR

Insurance agency answering service FAQs

What is an insurance answering service?

An insurance answering service answers calls for an insurance office. This one is an insurance agency answering service for an independent agency. It takes certificate requests, gives the carrier's claims line and pages the agent on duty.

How much does an insurance answering service cost?

An insurance answering service costs $0.03 per minute of call time for the agent, so a three-minute call is $0.09 in agent time. LLM usage is billed separately, and a Cartesia phone number adds $0.014 per minute, or nothing if you bring your own Twilio account or SIP trunk. The free plan includes $1 of agent calls a month, so you can test the agent before you pay. See pricing.

Can an insurance answering service quote, bind coverage or say what is covered?

No. The agent can't quote, bind, change a policy or interpret coverage. It saves quote and coverage questions as a callback request.

What does it do when someone reports an accident?

The agent asks whether anyone is hurt and reads your 911 script if so, then gives the carrier's claims line and offers to ring an agent. It is not an emergency service.

Can it take a certificate of insurance request?

Yes. The agent takes the holder name, the policy name, the job and the email, reads them back and saves the request. A certificate needed within a day pages the agent on duty with the deadline, and the agent never promises when it will be issued.

Does it connect to Salesforce, HubSpot or Outlook?

Yes. The agent saves certificate requests in your service queue through tools you configure.

Can the agent transfer a caller to the agent on duty?

Yes. Rush requests and claim calls go to the agent on duty, and you control exactly when else the agent transfers.

How is it different from an AI receptionist?

A receptionist books and routes during business hours. This agent handles certificate requests and loss calls when agents are out, as the receptionist guide explains.

Find your voice

Talk to an expert.

Connect with a member of our team and learn how Cartesia can help you build world-class voice experiences.

Contact Sales

Start building.

Access our models via API and bring an agent into production with our SDKs and developer tools.

Try Cartesia

We’re hiring!

Build the future of interactive intelligence

Careers page