Your AI insurance agency receptionist is still taking loss notices at 9:06 PM.

The agent collects coverage requirements and customer details, then provides preliminary quotes from your rate tables or routes to an agent for complex policies.

Yes. CallSphere walks callers through the claims process, collects incident details, policy numbers, and documentation requirements, then submits to your claims system.

The AI is trained on your policy types and can explain coverage details, deductibles, and exclusions for common customer questions.

The agent checks renewal dates, reviews any coverage changes, and can process renewals or schedule a call with an agent for policy modifications.

CallSphere maintains PCI DSS controls and is aligned with GDPR, with call recording and audit logging to support disclosure and data-protection requirements. You remain responsible for licensing and regulatory obligations; contact us for current attestations.

No, because it never does anything that requires one. It does not quote, bind, or advise on coverage. It gathers information, books time with your licensed people, and reads a fixed script the moment a caller asks about price or coverage. If your state department of insurance ever asks, the agent is a communications tool operated by your agency, and the transcript shows exactly what it said, word for word.

It does not move it. Your agency is still the agent of record and your licensed producers still make every coverage decision. What changes is the record. Every after-hours call is recorded and transcribed, the coverage-question script is fixed and approved by you before go-live, and the handoff to a licensed person is timestamped. Ask your E&O carrier what they think of a complete after-hours call record. Most of them have an opinion.

Both, in that order. The agent takes the loss details — date and time of loss, cause, location, injuries, description, contact for the adjuster — writes them to the account, and then gives the caller the carrier's own 24-hour claim line and confirms they will call it tonight. The carrier assigns the claim number and the mitigation vendor. Your agency keeps the record and your producer gets paged, which is the part that usually disappears overnight.

It tells the insured what the carrier needs, by what date, and the carrier's pay-by-phone number. It does not take a payment, does not promise reinstatement, and does not tell anyone their coverage is still in force. Reinstatement is the carrier's decision. The account lands on your producer's board in the morning with the equity date on it.

Yes, with an honest caveat about where the data lands. Where your system exposes an API or accepts a webhook, the agent writes the activity straight to the right account, assigned and dated. Where it does not, you get a structured activity by email plus a shared queue, and someone pastes it — still faster than working through twelve voicemails. We check your system and your version before you pay us anything, and tell you which of the two you are getting.

The agent says it is an automated assistant for your agency in its first sentence, on every call and every chat, whether or not your state requires it. Some states already regulate AI disclosure in consumer contact and more are drafting rules, so we do not treat it as optional. Anyone who asks for a human gets one on the first ask, by transfer during business hours or by page after them.

The agent speaks Spanish natively, along with 56 other languages, and switches when the caller does instead of making anyone choose from a menu. Transcripts are stored in the language spoken and in English, so your account manager reads the same call the producer heard. Agencies with a contractor book usually test this first in the pilot week.