AI Assessment for Insurance Agencies — Stop Losing the Leads You Already Paid For

78%

of buyers go with the company that responds first, according to industry lead-response research. Not the best quote. The first call back.

21×

more likely to qualify a lead when you respond in 5 minutes instead of 30. Most agencies take hours. Overnight leads wait until someone opens the office.

5:01 PM

is when your office closes — and when working people finally have time to shop for insurance. Guess who picks up when you don't.

The real problem

Your agency doesn't have a lead problem. It has a leak problem.

You're already paying for leads — internet leads, referral partners, the book you've spent years building. Buying more water doesn't help when the bucket has holes. Here's where the premium drains out of a typical independent agency:

The after-hours call goes to voicemail

A homeowner shopping at 8 PM doesn't leave a message and wait. They call the next agency on the list, or finish a quote online with a direct carrier. You never even know they existed.

A household you never got to quote

The quote request sits until "tomorrow"

Your CSR is on the phone, the producer is at lunch, and the web lead from 11:40 AM gets a call back at 4. By then the prospect has two other quotes and a relationship with whoever answered first.

First responder writes the policy

Follow-up dies after the first try

Everybody chases the fresh lead. The one who said "let me think about it" needed a fifth touch, not a second — but nobody's fifth touch survives a busy Monday. That pile of open quotes is money you already worked for.

Quoted, then handed to a competitor

Renewals lapse without a phone call

Retention is where an agency's value lives, and it erodes quietly. A rate increase lands, nobody calls to explain it, and a ten-year client quietly shops. You find out when the cancellation notice arrives.

The book shrinks while you're busy

Meanwhile, on your phone

And everything that doesn't leak? It lands on you.

The certificate request at 6 AM. The "is hail damage covered?" text on a Sunday. The carrier portal password only you know. You built the agency, so you became its help desk — and its memory, and its after-hours line.

The book can only grow as far as one owner's phone can stretch. Every new account is another stack of "quick questions" pointed at you.

Hiring doesn't fix it fast enough. A good CSR takes months to find, costs $45K+ a year, and still clocks out at 5. So the overflow keeps rolling uphill to the one person who can't quit.

"Can you send a COI to the GC by 7?" "What's our login for the carrier portal?" "Client says their card was declined" "Did we ever quote that roofer?" "Sorry to bother you on vacation, but…"

The AI Assessment

Find every leak. Put a dollar figure on every fix. One week.

This is not a sales demo with extra steps. It's a working audit of how leads and busywork actually move through your agency — and a prioritized plan for what to hand to AI, starting with what pays back fastest.

45 minutes

Discovery call

We map how your agency really runs: where leads come in, who answers what, where things sit, and what still funnels back to you. You talk, we take notes.

In your inbox within days

Custom report

3–7 specific, prioritized fixes with the estimated revenue and hours attached to each, plus a 4-day quick-start plan you could run without us.

30 minutes

Review call

We walk the report together and pick the single highest-leverage place to start. If a custom AI Employee makes sense for your agency, we'll tell you. If it doesn't, we'll tell you that too.

Right away

Quick wins you can turn on this week

Off-the-shelf tools matched to your actual stack — no custom build, no long project. Typical first moves:

Missed-call text-back, so an after-hours caller gets a reply in seconds instead of a voicemail box
Quote follow-up sequences that keep touching every open quote until it closes or says no
Self-service for COIs and routine requests that don't need a licensed human

The bigger move

A custom AI Employee that runs intake for you

A hire, not a tool. We build it, train it on your agency, and run it:

Answers every call and web lead 24/7 — collects the vehicle, the VIN, the current carrier, and books the appointment
Works the follow-up pile and renewal reminders every single day, without getting bored or busy
Escalates only what needs a licensed human — and never gives coverage advice or binds anything

The report stands on its own. Take it and run it yourself with your own team — no obligation, no strings. Most owners ask us to handle it instead. Either way, you'll know exactly what the leaks are costing you.

What actually changes

Same Tuesday night. Two very different phones.

Your phone today

TUESDAY · 7:40 PM

Missed call (2)

Unknown number · voicemail 0:32 — probably that F-150 quote

Reminder · 3 days overdue

Call the Hendersons about their renewal before it lapses

Text from your producer

"Did we ever quote that roofer? He's asking again"

Email · 6:58 PM

"Need a certificate for the job site by 7 AM tomorrow"

With an AI employee

TUESDAY · 7:40 PM

New lead · handled

Truck quote captured, appointment booked for 9:00 AM. Full details in your inbox.

Henderson renewal

Reminder sent Monday. They replied today: "Yes, renew us." Done.

Follow-ups · daily run

6 open quotes touched. The roofer picked a start date.

COI request

Certificate generated and sent at 7:01 PM. No one called you.

Who's behind this

Built by engineers who've been trusted with money and secrets.

We're not a marketing agency that discovered ChatGPT last spring. We're two engineers who spent our careers building systems where a mistake costs real money — and we build your AI the same way.

Steven Zeiler

Co-founder · Engineering

Built financial software used around the world to move millions of dollars, including engineering work at Ripple. When your systems settle real money across borders, "mostly works" isn't a phrase you get to use. That's the standard your AI employee is built to.

Ripple Global payments infrastructure

Derrick Horton

Co-founder · Security

Cybersecurity engineer, formerly at Abnormal AI, where the job was catching attacks that fool humans. Holds security certifications recognized by the U.S. Department of Defense. Your book of business is a database of your clients' most personal information — it gets treated that way.

Abnormal AI Security+ CySA+ SSCP

Why this matters for an agency: your book holds driver's licenses, VINs, home values, payment details, and health information. Whoever builds your AI touches all of it. We build with the security discipline of people who did it professionally — not an offshore chatbot shop with a login to your AMS.

Qualify yourself

This isn't for every agency. Here's the honest cut.

The assessment works because we go deep on one agency at a time. We'd rather turn you away on the first call than waste a week of both our lives.

Book the call if…

You own or run an independent agency — P&C, life, health, or commercial
You have real inbound flow: calls, web leads, referrals — more than you can catch
Leads, follow-ups, or renewals are slipping and you know it
You'd rather grow the book than grow the headcount

Skip it if…

You're pre-launch with no book and no lead flow yet — there's nothing to assess
You want a chatbot on your website as a checkbox, not a result you can measure
Nobody at the agency is willing to change how intake works

Fair questions

The things you're already wondering.

What does the assessment cost?

We'll give you the exact number on the discovery call, before you commit to anything — and it's covered by the guarantee: if the report doesn't show you fixes worth well more than what you paid, you get a full refund. No haggling, no hard feelings.

Will an AI give my clients wrong coverage advice? What about E&O?

No — because it never gives coverage advice, quotes coverage terms, or binds anything. It captures information, answers routine service questions from your approved answers, schedules appointments, sends follow-ups, and escalates anything that needs a licensed human. Every conversation is logged and reviewable, which is more than you can say for a voicemail box.

Does this work with my phone system, AMS, and rater?

That's a big part of what the assessment checks. We map your actual stack on the discovery call and only recommend tools that fit it. If something in your setup would make a fix impractical, the report says so instead of pretending.

I'm not technical. Is that a problem?

Not even slightly. The discovery call is about your business — where leads come in, what your day looks like, what keeps ending up on your phone. We handle everything technical, on the assessment and after it.

What if I only want the quick wins, not an AI Employee?

Then take the quick wins and go — sincerely. The report is built to stand alone, and plenty of what's in it you can implement with your own team. The AI Employee is for owners who want the whole intake function handled. The review call is where we figure out which one you are.

How long does this actually take?

About a week, start to finish: a 45-minute discovery call, the report in your inbox within days, and a 30-minute review call to pick your starting point. The quick wins in the report are chosen so you can ship the first one the same week.

One week from now

The leaks don't fix themselves. They just get quieter.

Every week this runs, the after-hours callers keep binding elsewhere, the follow-up pile keeps dying, and the renewals keep slipping — silently, which is the worst part. One week from now you could know exactly what it's costing you and exactly where to start.

Book a no-pressure fit check

Quick-Win Guarantee — if the report doesn't deliver, you don't pay.