Loss ratio
Incurred losses ÷ earned premium
AI Agent for Insurance Agencies and Brokers
Move every insurance inquiry forward
Qualify new business, answer routine service questions, surface carrier knowledge, and retrieve insurance data in the same environment. Each inquiry moves toward an answer, a scheduled conversation, or the right insurance professional.
Quote inquiriesClient serviceSchedulingRoutingCarrier knowledgeInsurance dataWeb & WhatsApp
Commercial accountExample inquiry · New Jersey
NewBusiness typeHospitality · 3 locations
Current coverageIn place
Renewal dateNovember 1
CLRoute toCommercial lines
Example conversation WEB
We operate three coffee shops in New Jersey. Do you work with businesses like ours?
Yes. The agency works with multi-location hospitality and retail businesses.
Would you like to review what the agency handles or speak with a commercial lines specialist?
Message the agency…
Example conversation
Give producers a qualified starting point
Resolve basic fit questions first, collect the details that matter for the line of business, and pass the producer an inquiry with useful context already attached.
“Do you insure restaurants?”
“Can you help with a small trucking company?”
“I need coverage for a new rental property.”
“Do you offer cyber insurance?”
“Can I move my current policies to your agency?”
A commercial quote flow might collect:
01Business type
02Location
03Number of locations
04Size or revenue range
05Current coverage status
06Renewal date
07Preferred time to speak
Personal lines can follow a different intake built around your agency's process.
The producer starts with the business context, coverage status, timing, and intent already established.
Make your appetite clear before the handoff
Help prospects understand the classes, products, geographies, and markets your agency works with before a producer spends time on the inquiry.
Responses stay within your approved agency and carrier information. Questions that require advice, interpretation, underwriting judgment, or licensed guidance move to the appropriate team member.
Ask about the agency
01“Do you write contractors?”
02“What types of business insurance do you offer?”
03“Do you work with high-value homes?”
04“Which carriers do you represent?”
05“What do you need before a commercial quote?”
Grounded in approved agency and carrier information
Turn interest into a booked conversation
When a prospect is ready to talk, keep the momentum inside the same conversation. Show real availability and book the appropriate producer without a separate form or scheduling exchange.
The path from first question to scheduled producer call can happen in one conversation.
THU15
Commercial lines team
I want to review our business coverage before renewal.
I can schedule a call with the commercial lines team. Your renewal is October 15, correct?
Yes.
I have Wednesday at 11:00 AM or Thursday at 3:30 PM available.
Thursday at 3:30.
You're scheduled for Thursday at 3:30 PM.
Make routine service easier to access
Give clients immediate answers to standard process questions without making the service team repeat the same instructions throughout the day. Account-specific requests and questions requiring judgment stay with the responsible team.
- office hours and contact information
- certificate request procedures
- published claims reporting instructions
- carrier billing information
- policy change request steps
- renewal processes
- carrier contact information
- service team routing
- standard agency procedures
ExampleClaims reporting
I need to report a claim. What should I do?
I can provide the published reporting instructions for your carrier or connect you with the agency's claims support team.
Send me the instructions.
Here are the reporting steps provided by the agency for [Carrier]. If you need help from the agency, I can connect you with claims support.
Keep reporting instructions consistent with the agency's established process while leaving coverage and claim-specific guidance to the appropriate professional.
Give each insurance intent its own path
New business, client service, claims, renewals, certificates, and internal market questions require different information and different next steps. Route each intent to the workflow, knowledge source, or team designed for it.
01New commercial quoteCommercial lines
02New personal quotePersonal lines
03Existing policy questionClient service
04Claim reporting questionClaims support
05Renewal discussionAccount management
06Certificate requestService workflow
07Carrier or market questionInternal knowledge
08Complex coverage questionLicensed team member
Use a fixed initial route when the conversation should stay on one path, or continuous routing when the intent may change.
Put carrier knowledge within reach
Let producers and account managers query appetite guides, underwriting references, submission requirements, and internal procedures in plain language instead of searching file by file.
Spend less time locating the rule. Spend more time deciding what to do with it.
Ask your carrier library6 questions
01
“Which carriers consider artisan contractors in Florida?”
02
“What is Carrier A's minimum premium for this class?”
03
“Which markets accept apartment buildings over 25 units?”
04
“What does this carrier require for a new business submission?”
05
“Which carriers in our files write this class in New York?”
06
“Where is the latest underwriting guide for Carrier B?”
Keep each answer tied to the carrier or agency source behind it so the team can verify the guidance.
Connect records across insurance datasets
Policy, claims, submission, and production data often live in separate files, even when the business question depends on all of them.
Link related records through shared identifiers such as policy number, account ID, producer ID, or broker name, then retrieve the combined answer from the underlying data.
Policy recordspolicy number · account ID
Claims recordspolicy number · incurred loss
Production dataproducer ID · written premium
Shared identifiers connect the records
Example · Broker
What is the loss ratio for All Risks TB?
Using the policy and claims data provided:
Earned premium$1,240,000
÷
Incurred losses$682,000
=
Loss ratio55.0%
Loss ratio = incurred losses ÷ earned premium
Keep the answer traceable to the records and formula used to produce it.
Ask the business question, not the spreadsheet
Go directly from a business question to the relevant records, joins, and calculations instead of manually searching rows across multiple files.
01
“What percentage of submissions from Peachtree Special Risk Broker LLC were bound?”
02
“What is the loss ratio for Franchise Fast Food?”
03
“Which brokers generated the highest written premium this quarter?”
04
“How many policies renewed with the same carrier?”
05
“Which accounts have claims but no matching policy record?”
06
“Show me policies connected to this producer ID.”
Retrieve exact values, combine related datasets, and apply defined calculations while keeping the underlying records available for verification.
Make insurance metrics reproducible
Define the formula once so loss ratio, bind ratio, renewal rate, and other operating metrics follow the same methodology every time.
Bind ratio
Bound submissions ÷ total submissions
Renewal rate
Renewed policies ÷ eligible renewal policies
Show the inputs and methodology behind the result so teams can verify both the calculation and the records used.
Match the question to the right source
Carrier and agency documents answer knowledge questions. Structured datasets answer record-level and numerical questions. Both can support the same insurance workflow without treating every source the same way.
Agency and carrier documents
- Carrier appetite guides
- Underwriting guides
- Product summaries
- Agency procedures
- Claims instructions
- Service procedures
- Renewal processes
- Submission requirements
- Training materials
- Carrier contact information
- Internal reference documents
Structured insurance data
- Policy files
- Claims files
- Submission data
- Broker production data
- Renewal data
- Carrier data
- Class-of-business data
- Commission data
- Account lists
- Other CSV or spreadsheet datasets
Use documents for context and guidance. Use structured data when precision depends on exact records and calculations.
Different users. Different insurance work.
Prospects need guidance toward the next step. Clients need service information. Producers need market knowledge. Operations teams need answers from insurance data. Each audience can follow a workflow built around that job.
Prospects
Product questions, quote qualification, scheduling, and producer handoff.
Existing clients
Service questions, claims instructions, renewal guidance, and account-team routing.
Producers and account managers
Carrier appetite, underwriting references, market information, and internal procedures.
Management and operations
Policy, claims, production, renewal, and performance questions from structured data.
Keep the experience specific to each audience while managing the underlying workflows and knowledge in one environment.
Keep judgment with the insurance professional
Routine information and process questions can be resolved before handoff. Coverage recommendations, policy interpretation, claim-specific guidance, and complex placement decisions stay with the appropriate licensed or responsible team member.
Specific coverage recommendationLicensed producer
Policy wording interpretationAccount team
Case-specific claim guidanceClaims support
Complex commercial placementAppropriate producer
The conversation history moves with the handoff, so staff can see the request, the context collected, and the information already provided.
Serve multilingual insurance conversations
Let prospects and clients communicate in the language they are most comfortable using while the conversation follows the same approved agency information and workflow.
Example conversation · Spanish
“¿Qué información necesitan para cotizar el seguro de mi negocio?”
The same quote, service, scheduling, or routing flow can continue in Spanish or another supported language.
Maintain the insurance knowledge once instead of creating a separate script for every language.
Meet insurance inquiries in the right channel
Website
Answer coverage, market, quote, and service questions while prospects and clients are already on your site.
Continue quote and service conversations, schedule producer calls, and route requests without changing channels.
Chat Page
Create a focused destination for a quote campaign, partner program, carrier resource, internal knowledge base, or another specific insurance workflow.
API
Embed insurance knowledge, routing, retrieval, or workflow logic inside an agency, brokerage, or internal application.
Where insurance teams put it to work
Quote qualification
Collect the information a producer needs before taking over.
Product and market questions
Respond from approved agency, product, carrier, and appetite information.
Producer scheduling
Move directly from an inquiry to a booked conversation.
Client service
Resolve routine process and service questions from approved agency information.
Claims reporting guidance
Provide approved reporting instructions and route clients when needed.
Intent routing
Separate new business, service, claims, renewal, and internal workflows.
Carrier knowledge search
Query carrier guides, appetite information, submission requirements, and internal references in plain language.
Insurance data retrieval
Retrieve policy, claims, submission, broker, carrier, or renewal records from structured files.
Cross-file retrieval
Join related datasets through identifiers such as policy number, account ID, producer ID, or broker name.
Insurance calculations
Apply defined formulas for loss ratio, bind ratio, renewal rate, and other configured metrics.
Multilingual conversations
Run the same insurance workflows and approved knowledge across supported languages.
Human handoff
Bring producers, account managers, service staff, or claims teams into the conversation with context.
Reduce the work around the insurance work
Insurance still depends on judgment, relationships, and expertise. The repetitive work around finding information, qualifying inquiries, answering process questions, and moving requests to the right team does not need to consume the same amount of time.
Resolve what can be resolved immediately, then give the insurance professional the context needed for what comes next.
Questions from insurance teams
What is an AI agent for insurance agencies and brokers?+
An insurance AI agent uses the agency's own information to support prospects, clients, and internal teams. It can answer routine questions, qualify quote inquiries, schedule calls, route conversations, search insurance knowledge, retrieve structured data, and hand conversations to staff.
Can AskHandle qualify insurance leads?+
Yes. AskHandle can ask a short set of agency-defined questions based on the inquiry and pass the resulting context to the appropriate producer or team.
Can it answer questions about our insurance products?+
Yes. Answers can come from approved product, carrier, appetite, and agency information. Questions that require individualized coverage advice or professional judgment can move to licensed staff.
Can prospects schedule a call with a producer?+
Yes. Conversational scheduling lets a prospect move from an inquiry to an available appointment without leaving the conversation.
Can it support existing policyholders?+
Yes. Routine service questions, agency processes, approved claims reporting instructions, and service-team routing can all be handled in the same experience.
Can it search carrier appetite guides?+
Yes. Carrier guides, underwriting documents, product references, submission requirements, and other internal materials can be queried in natural language.
Can AskHandle work with policy and claims spreadsheets?+
Yes. AskHandle can retrieve structured information from CSV and spreadsheet files and work across datasets that share identifiers such as policy number, account ID, producer ID, or broker name.
Can it calculate metrics such as loss ratio or bind ratio?+
Yes. Defined formulas can be applied to the data provided, with the relevant inputs and methodology shown with the result.
Can one AI agent support customers and employees?+
Yes. Separate workflows can be configured for prospects, existing clients, producers, service teams, operations staff, or other audiences, each using the information appropriate to that workflow.
Can staff take over a conversation?+
Yes. Human handoff can move the conversation to the appropriate producer, account manager, claims team, or service representative with the previous context available.
Does it support multiple languages?+
Yes. Multilingual conversations can use the same approved agency information and configured workflows.
Start with one high-volume insurance workflow
Use the agency, carrier, service, and data sources you already maintain to improve a workflow your team handles every day, then expand from there.