A managed AI employee for independent insurance agencies.
Renewal follow-up. Document chasing. Policy and bind paperwork summaries. The recurring admin that sits between your producers and their next quote, drafted by a dedicated AI employee, reviewed and approved by you, so the producer-in-chief can actually produce.
Independent P&C agencies with 1 to 50 producers, where the owner is still the busiest producer on the team.
This page is written for independent insurance agencies running personal lines, commercial lines, or a mixed book. You renew constantly. You collect documents constantly. Your AMS (Applied Epic, AMS360, EZLynx, HawkSoft, QQ Catalyst, or similar) holds the data, but the connective work between the AMS, your email, and the client still lives in the producer's head. That work is what the AI employee picks up.
The fit is strongest when the owner or principal is also a producer, the book is renewal-heavy, and the team is small enough that there is no full-time ops manager closing the open loops. If that sounds like your agency, keep reading.
What the AI employee does in its first week.
Day-one behavior is read, draft, suggest, and report. No autonomous client sends. Five recurring jobs go live in week one:
Renewal follow-up drafts
Pulls renewals coming due in 30, 60, and 90 days from your AMS. Drafts a personalized client outreach for each one, in the producer's voice, ready for review and one-click send.
Client document request drafts
Drafts the polite chase emails your team writes every week: updated loss runs, COIs, financial statements, MVRs, driver lists. Sets cadence and escalation so nothing sits at "waiting on client" for a month.
Policy and admin summaries
Reads new bind paperwork or renewal documents and drafts a 5-line internal summary card: coverage, premium, key endorsements, expiration, next action. Lives in the AMS activity or a shared workspace.
Open-loop tracker
One weekly digest of every client waiting on producer reply, every quote not heard back on, and every document still owed. The list you keep in your head, written down.
Meeting and call summary
From producer calls (Zoom, Teams, in-person notes), extracts decisions and next actions. The follow-up draft is queued for review before the producer leaves the parking lot.
Producer review built in
Everything routes through a producer approval step before it touches a client. The AI employee is your drafting and chasing layer, not a decision maker. You stay in control of every send. See the full service.
You do not run models, prompts, tokens, or infrastructure. We do.
Memory vault
Your book composition, carrier appointments, target classes of business, producer voice and email style, escalation preferences, and standard language. The AI employee actually knows your agency.
Approved tool access
AMS (read access via export or API), Outlook or Gmail, Google Drive or SharePoint, calendar. We configure per agency. No broad scopes on day one, ever.
Human approval gates
Every client-facing send is producer-approved before it goes out. Internal summaries, digests, and trackers post freely. Anything that touches a client touches a human first.
Weekly improvement loop
Each week we review what the AI employee handled, what it got wrong, what producers wished it did differently. The next week it is sharper, with new jobs added from your backlog.
Insurance-specific guardrails, in writing.
- No quoting decisions. The AI employee does not produce or recommend premium quotes.
- No binding authority actions. It does not bind coverage, modify coverage, or trigger policy issuance.
- No policy issuance. Carrier-facing issuance workflows stay with your licensed team.
- No claims adjudication. Claims-related work is informational only (drafting status updates, summarizing claim file emails, tracking open claim documents). Adjudication, reserves, and coverage determinations stay with the carrier and the licensed adjuster.
- No premium quotes communicated to clients without producer review. Even quote-status drafts route through a producer approval step.
- No coverage advice. The AI employee does not advise clients on what coverage they should buy, increase, or drop.
- PII handling. The AI employee operates only inside firm-controlled AMS, email, and storage tools you scope. It does not share client PII with external systems beyond the approved stack.
Installed in days, useful in week one, verticalized by week three.
Days 0 to 7
- Name and role the AI employee for your agency
- Build the memory vault (book, carriers, classes, producer voice)
- Connect AMS read access and approved email
- Ship renewal follow-up drafts and document request drafts
Days 8 to 14
- Add policy and bind paperwork summaries
- Launch the open-loop tracker and weekly digest
- Producer approval workflow stabilized
- Failure alerts and monitoring online
Days 15 to 30
- Verticalize by line (personal vs commercial vs mixed)
- Add agency-specific jobs from producer backlog
- Weekly owner digest formalized
- Next 5 improvements queued
One managed retainer. Every recurring job included.
The dedicated AI employee, the memory vault, all approved tool integrations, producer approval workflow, monitoring, and the weekly improvement loop. No per-workflow or per-seat fees.
The first 1 to 2 founding agencies get the full managed service at half price in exchange for fast feedback and case study rights. Once those seats are taken, pricing returns to $5,000/mo.
Honest answers for independent agency owners.
Does this quote policies?
No, never. Quoting is a licensed activity. The AI employee does not produce or communicate premium quotes to clients. It handles drafting, chasing, and summarizing work that today eats producer hours.
Does it integrate with my AMS?
Read access via export or API where available, configured per agency. We work with Applied Epic, AMS360, EZLynx, HawkSoft, and QQ Catalyst as starting points. Write access (creating activities, updating records, attaching docs) is only enabled if you explicitly scope it.
What if a renewal email goes to a client without my review?
It does not. Every client-facing send is a producer-approved draft. The AI employee writes, you (or the producer of record) approve, then it sends. There is no autonomous outbound to clients.
Is this E&O compliant?
The AI employee operates as a drafting and admin assistant. The producer remains responsible for all client communication and coverage decisions, and your existing E&O practices and controls continue to apply. We do not replace your professional judgment, we reduce the admin load around it.
Can it pull data from Applied Epic, AMS360, or EZLynx?
Yes. We configure read access during onboarding. Write access is only enabled if you explicitly scope it. Day-one default is read, draft, and report.
Is it a better fit for personal lines or commercial lines?
Both. Personal lines agencies see fastest wins on renewal touchpoint volume. Commercial lines agencies see bigger time savings on renewal admin (loss runs, COIs, financial statements, exposure updates), where each renewal carries more paperwork.
Talk to Shivam about an AI employee for your agency.
Founding pilot seats at $2,500/mo are limited. If you run an independent agency and the renewal and document admin is eating producer time, the fastest path is a 20-minute call. Email [email protected] or use the form.