Insurance agencies
AI automation agency for insurance agencies
We build AI automation for insurance agencies and brokerages that want producers selling and account managers servicing, not retyping data between systems. Our work connects your agency management system, such as Applied Epic, HawkSoft, EZLynx or AMS360, with carrier portals, email and reporting so certificates, renewals, quote intake and book-of-business reports run with far less manual effort.
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Quick answer
How can AI automation help an insurance agency?
AI automation helps insurance agencies by drafting certificates of insurance from emailed requests, tracking renewals and X-dates in Applied Epic, HawkSoft or AMS360, and moving ACORD application data into EZLynx without retyping. It can also extract loss runs and dec pages and reconcile carrier commission statements against the agency management system for review.
- COI requests are matched to the insured and policy, then queued for account manager review
- Renewal tasks and pre-renewal outreach are created at 90, 60 and 30 days before expiration
- Commission reconciliation flags missing or short carrier payments against expected AMS commissions
- Outbound renewal texts and calls include consent tracking for TCPA and carrier marketing rules
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Where independent agencies lose the most time
Independent agencies and brokerages run on servicing volume. Every policy brings a stream of small requests, and each one touches the agency management system, a carrier portal and an inbox. Account managers become the glue between systems that do not talk to each other well.
The result is the same pattern at most agencies we see: skilled staff spend their days copying data, and renewals or cross-sell opportunities get attention only when someone has a spare hour.
- Issuing certificates of insurance and tracking additional insured and waiver of subrogation requests
- Re-entering ACORD application data into multiple carrier rating portals
- Renewal remarketing, X-dates and pre-renewal outreach, mostly tracked in spreadsheets
- Reconciling carrier downloads and commission statements against the AMS
- Building production, retention and loss ratio reports by hand every month
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Insurance agency automation we build
We usually start with servicing work that follows the same steps every time, like COI requests and endorsements, because the time savings show up in the first week. Next comes renewals and quoting intake, then reporting.
Reporting is often the biggest win. In one of our case studies, an insurance brokerage cut monthly report preparation from 4-5 hours to under 5 minutes, and reporting accuracy rose from about 75% to 99%, by pulling data directly from source systems instead of copying it into spreadsheets.
WHAT WE BUILD
What we automate for insurance agencies
Typical automations, each scoped and quoted at a fixed price after a free review.
Certificate of insurance requests
An AI agent reads COI requests from email, matches the insured and policy in your AMS, drafts the certificate with the right holder and endorsements and queues it for approval.
Renewal pipeline and X-date tracking
Pulls upcoming expirations from Applied Epic, HawkSoft or AMS360 at 90, 60 and 30 days, creates remarketing tasks and sends pre-renewal outreach with consent checks.
Quote intake to rater
Turns web forms, emails and ACORD applications into structured data and pushes it to EZLynx or your comparative rater, so applicants are not keyed in twice.
Loss run and dec page extraction
Reads PDFs of loss runs and declarations pages and extracts carriers, limits, premiums and claims into a submission template or the client record.
Commission reconciliation
Matches carrier commission statements against expected commissions in the AMS and flags missing or short payments for review.
Production and retention dashboard
Combines written premium, new business, retention and loss ratios by producer and line into a Power BI dashboard that updates on its own.
Endorsement and change request routing
Classifies incoming change requests like vehicle or driver additions and routes them to the right account manager with the policy attached.
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AI agents for insurance agencies
AI agents work well in an agency when there is reading and sorting involved. An inbox agent can read a certificate request from a contractor's client, find the right insured and policy, draft the COI with the requested holder and endorsements, and queue it for an account manager to approve and send.
Other agents read dec pages, loss runs and ACORD forms and extract the fields you need for a submission, or summarize a renewal file so a producer can prepare for a client call in minutes. Agents do not bind coverage, interpret policy language for clients or make coverage recommendations. Those stay with licensed staff.
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Compliance, TCPA and data handling
Agencies handle personal information, driver records and sometimes health details, and state insurance data security laws and the Gramm-Leach-Bliley Act set expectations for how that data is protected. We keep data in accounts your agency owns, limit access by role and configure AI providers so your data is not used for training.
Outbound renewal texts and automated calls also need care under the TCPA and carrier marketing rules. We build consent tracking into SMS and calling workflows and keep templates reviewable. Your agency and its counsel decide what your obligations are. We make the workflows easy to audit.
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Tools we connect for insurance agencies
We work with the agency management systems, comparative raters and carrier tools common at US independent agencies. Applied Epic and AMS360 offer API and SDK options, HawkSoft and EZLynx have integration paths, and where a carrier portal has no API we work with downloads, exports or IVANS data.
Workflows are built in n8n, Make, Zapier or custom Python, and reporting usually lands in Power BI or Looker Studio so leadership sees production and retention without waiting on a spreadsheet.
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How a project works and what it costs
We begin with a free review, typically a screen share of how a COI request, a renewal or your month-end reporting actually happens today. You then get a fixed-price quote split into stages. Most agency projects take 1 to 8 weeks depending on the AMS and how many carriers are involved.
Every stage ships something your team uses right away. Your agency owns every account, workflow and line of code, so the automation stays with you if staff or vendors change.
TOOLS
Tools we connect
FAQ
AI automation for Insurance Agencies questions
Can AI automate certificates of insurance?
Yes. An AI agent can read the request, find the right policy, fill in the holder and requested endorsements and queue the certificate for an account manager to approve. Agencies typically keep a human approval step for anything unusual, such as a requested endorsement the policy does not carry.
Does insurance automation work with Applied Epic or HawkSoft?
Yes, both offer integration options we can build on, as do AMS360 and EZLynx. The exact approach depends on your version and licensing, which we confirm during the free review.
Can automation help with insurance agency reporting?
Reporting is often the fastest win. Pulling data straight from your AMS and carrier downloads into a dashboard removes hours of spreadsheet work and the errors that come with copying data by hand.
Is it legal to send automated renewal texts to insurance clients?
It can be, with proper consent and opt-out handling under the TCPA and any state rules. We build consent tracking into the workflow, but your agency and its counsel should confirm your specific obligations.
How much does automation cost for an insurance agency?
We quote a fixed price after a free review. A single workflow such as COI automation can take about a week or two, while a combined servicing, renewal and reporting setup typically takes four to eight weeks.
Will AI replace our account managers or CSRs?
The aim is to remove retyping and chasing so account managers handle more policies and spend more time with clients. Coverage advice, binding and judgment calls stay with licensed staff.
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GET A FREE PROPOSAL
Tell us what you want automated
Describe the process that eats your team's week. We reply within one business day with a first take on what can be automated, which tools fit and roughly what it would cost.
- Free 30-minute automation review
- Fixed quote before any work starts
- You own every workflow, account and line of code