Applied Epic
- What the agent uses it for
- Policy status, renewal date, assigned account manager, call notes
- Status
- Corebuilt per agency, on request
At 4:55 p.m., a contractor needs a certificate of insurance before a 7 a.m. jobsite. At 6 p.m., a new homeowner calls for a quote and reaches voicemail. All day, the CSR who should be working renewals is answering the phone instead. An AI receptionist for insurance agency teams answers every call, queues the COI for the right account manager, and books the producer. It never quotes, binds, or advises.
Free. Send your three most common calls and hear the agent answer them in your agency's name within 48 hours. No AMS access needed.
Picks up in under 5 seconds. Every call, 24/7, storm nights included.
Setup takes 3–4 weeks. Book by 1 December to go live before 1/1 renewals.
Built for independent P&C agencies with 3 to 50 staff. Serving US agencies in US business hours.
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Scripted demo · 1:09 · names and details are fictional AI disclosed at pickup
A certificate of insurance request, then a home and auto quote callback booked.
Policy lookup is built per agency, on request.
Assistant: Thanks for calling Cedar Ridge Insurance. This is the agency's AI assistant. How can I help?
Caller: Hi, it's Dan at Northline Roofing. I need a certificate of insurance for a jobsite tomorrow morning.
Assistant: I can start that. What's the business name on the policy, and the last four digits of the policy number?
Caller: Northline Roofing LLC. 2291.
Assistant: Thanks, Dan. Your BOP and general liability are active and renew March 1. Who's the certificate holder?
Caller: Hartwell Construction. They want to be additional insured.
Assistant: Got it. Additional insured status may need an endorsement, so I've flagged that for Priya, your account manager, for 7 a.m.
New caller: Hi, we just bought a house and need home and auto insurance.
Assistant: Congratulations. When do you close, and how many vehicles?
New caller: The 14th. Two cars.
Assistant: I can't quote prices, but a licensed producer will. Marcus has Thursday at 10 or Friday at 2. Which works?
New caller: Thursday at 10.
Assistant: You're booked with Marcus for Thursday at 10. I've texted a confirmation and a short list of what to have ready.
An insurance answering service is a front desk that picks up an agency's calls when staff cannot. Traditional services use human operators who take messages. An AI insurance answering service also captures quote intake, records claims after hours, and routes COI and ID card requests. Every call is logged to the AMS.
Traditional services cost $175 to $300 a month for basic packages, per Upfirst's insurance page. Rented AI apps list $24.95 to $899 a month, per Upfirst and AgentZap.
Tap a card to see what the AI front desk does instead.
A 24/7 insurance call answering service changes who absorbs the surge. Calls climb before 1/1 renewals, again in spring hail season, and again through Atlantic hurricane season, which runs June 1 to November 30 per NOAA. The agent scales to those peaks and drops back between them.
Illustrative. Your agency's peaks depend on your book and your region. Not measured data.
A 24/7 AI receptionist for insurance agencies sizes to your storm nights, not to an average Tuesday.
Hiring for the surge is slow and expensive. The median CSR in insurance earns $22.47 an hour, per the Bureau of Labor Statistics (May 2025). That is about $46,700 a year in wages for 40 of 168 weekly hours. BLS adds that insurance CSRs may need several months of training to learn the regulations.
Send us your three most common call types. A new quote request, a certificate of insurance, and an after-hours claim are typical. Within 48 hours we send back a recording of the agent handling each one in your agency's name and vocabulary. The demo needs no AMS access and no client data.
An answering service for insurance agents handles six call types: new-quote intake, service requests, after-hours FNOL, producer callbacks, renewal outreach, and agency questions. Each runs on rules the agency approves. The agent collects, books, logs, and transfers. It never quotes, binds, or advises.
It's the AI receptionist capability behind this page, shaped for an insurance agency.
Asks the questions your producers ask for personal auto, homeowners, umbrella, BOP, commercial general liability, and workers' comp. Then it books the producer who writes that line, not the next free one.
"How many vehicles, and who insures them today?"
Routes ID cards, certificates of insurance, billing questions, and endorsement requests to the assigned CSR queue with the details already captured. After verification it can also read policy status and the renewal date from Applied Epic, AMS360, or HawkSoft.
"Your policy is active and renews March 1. I've sent the certificate request to Priya."
Records first notice of loss: policy, date and type of loss, a description, and whether anyone is hurt. It texts a photo link, gives the carrier claim line from your approved list, and alerts the CSR.
"Is anyone hurt, and is the home safe to stay in tonight?"
Books into each producer's real calendar. Blocks you reserve for renewals and carrier meetings are never offered.
"Marcus has Thursday at 10 or Friday at 2. Which works better?"
Calls and texts clients 60, 30, and 15 days before renewal to book a review, with consent checked first. It runs on our outbound voice agents for renewal outreach.
"Your homeowners policy renews in 30 days. Would you like a review with Marcus before then?"
[Agency name]: Hi Maria, it's Cedar Ridge Insurance. Your homeowners policy renews on Dec 1. Book a 15-minute review with Marcus here: [secure link]. Reply STOP to opt out.
Answers hours, payment options, and which carriers you write from a private knowledge base for agency policies that you approve line by line.
"We do write commercial auto. I'll book you with our commercial producer."
These limits are written into the agent's rules, not left to its judgment.
An insurance agency answering service built by Codeora Vision connects to Applied Epic, AMS360, and HawkSoft for policy status and call notes. It books through Google Calendar, Outlook, or Calendly and texts through Twilio. Each read path is scoped per agency and built on request.
We build agent-native, and the difference shows in data access. MCP, the Model Context Protocol, gives the agent governed, read-only access to Applied Epic. It can confirm a policy is active without the power to change a coverage. That boundary is the first thing your E&O carrier and your IT reviewer will ask about.
LangGraph runs the branching an insurance call needs. Is this a client or a prospect? Which policy? Did the caller pass verification? Is this a licensed question? Claude then writes the reply in your agency's words.
Voice runs on Retell AI or Vapi, with Deepgram for speech recognition and ElevenLabs for the voice. Claude Sonnet is the default model. Agencies that prefer GPT-4o, Gemini 2.5, Llama 3.3, or Mistral Large can use them. LangChain and LlamaIndex handle retrieval over agency policies, LangSmith traces every call, and n8n runs follow-up workflows.
| Integration | What the agent uses it for | Status |
|---|---|---|
| Applied Epic | Policy status, renewal date, assigned account manager, call notes | Corebuilt per agency, on request |
| AMS360 | Policy status, client contacts, activity notes | Corebuilt per agency, on request |
| HawkSoft | Client lookup, policy status, call notes and tasks | Corebuilt per agency, on request |
| EZLynx | Client records and activity notes | Extendedon request |
| QQCatalyst, NowCerts | Client lookup and notes for smaller agencies | Extendedon request |
| AgencyZoom | Lead and renewal pipeline updates | Extendedon request |
| Vertafore Sagitta | Client lookup for larger commercial agencies | Extendedon request |
| Google Calendar, Outlook, Calendly | Booking into real producer openings | Standard |
| Twilio | Calls, texts, and call recording | Standard |
Some AMS vendors run certified partner programs. We connect through the access your agency's own AMS licence allows, scoped per agency. Need deeper sync, like creating AMS360 activities or HawkSoft tasks from a call? That is our Applied Epic and HawkSoft workflow automation work.
An AI receptionist stays inside insurance licensing rules by never doing licensed work. State laws, most modelled on the NAIC Producer Licensing Model Act (#218), require a license to sell, solicit, or negotiate insurance. The agent collects details and books licensed staff. It never quotes, binds, or advises.
Encryption in transit and at rest · Role-based access control · Audit log of every AMS read · AI disclosed at pickup · Recording with caller consent, including two-party consent states · Timestamped transcript of every call for E&O files
Your agency stays responsible for its own security program and licensing. We supply the documentation about the agent that those files need.
What if a caller asks for a price?
It takes the details a producer needs and says a licensed producer will quote. Then it books the callback, so the prospect leaves with a time, not a voicemail.
Will clients know it's AI?
Yes. It says so in its first sentence, by design, not as a setting someone can switch off.
Does it sound like a robot?
Judge for yourself. The demo at the top of this page runs just over a minute. Play the demo →
What happens during a hurricane?
It answers every line, records FNOL, and gives each carrier's claim line from your approved list. Anyone reporting injury or danger is told to call 911 first.
Most agencies don't hand over the whole front desk on day one. The lowest-risk start covers calls after 5 p.m., on weekends, and whenever every line is busy. Your CSRs keep answering during the day. You read every transcript, then decide what to hand over next. This after-hours plan starts at $2,500 setup and $599 a month.
An AI answering service for insurance agents costs $24.95 to $899 a month as a rented app, per vendor pages. A full-time CSR costs far more. The Bureau of Labor Statistics puts the CSR median at $22.47 an hour in insurance in May 2025. That is about $46,700 a year in wages for 40 of 168 weekly hours.
| Option | What it costs (published figures) | Hours covered | Reads your AMS? |
|---|---|---|---|
| Full-time CSR | About $46,700 a year in wages at the BLS May 2025 insurance median, before benefits, payroll taxes, and licensing | 40 of 168 hours a week | Yes, once trained |
| Human answering service | $175 to $300 a month for basic packages, per Upfirst's insurance page | Depends on plan | No, takes messages |
| AI answering app | Upfirst from $24.95 a month for 30 calls to $299 for 600. AgentZap from $109 a month for 150 minutes to $899, plus a $499 setup fee. | 24/7 | Through Zapier or listed integrations |
| Codeora Vision | From $2,500 setup, then $599 a month with 500 minutes included and $0.60 a minute after | 24/7 | Yes. Applied Epic now, others built per agency |
Wage arithmetic: $22.47 × 40 hours × 52 weeks. Sources: BLS, Customer Service Representatives (May 2025 data, page updated August 27, 2026) · Upfirst insurance page · AgentZap insurance page
BLS also notes that CSRs in insurance may need several months of training to learn the regulations. In an agency, those months fall during renewal season.
Year one of the after-hours plan costs $9,688 within its included minutes: $2,500 setup plus 12 months at $599. That is about a fifth of one CSR's wages, and it covers all 168 hours.
A $109 app answers the phone. A build runs your front desk. Here is the difference, card by card.
"Is my policy active?" gets a real answer from Applied Epic after verification.
Typical app: reads from a knowledge base you keep up to date by hand.
A COI request lands as a note for the named account manager, with the holder and additional insured request filled in.
Typical app: emails a call summary for someone to retype.
Which producer writes commercial auto, which carrier claim line to give, who gets storm-night alerts.
Typical app: one script for every caller.
Plans include 500 to 2,000 minutes a month, then $0.60 a minute. Nothing stops answering when a storm doubles the calls.
Typical app: entry plans include 30 calls or 150 minutes a month.
No quotes, no binding, no coverage advice, with an audit log of every policy read for your E&O file.
Typical app: limits set in a prompt.
Call rules, transcripts, and workflows belong to your agency, even if you change vendors.
Typical app: everything lives in the vendor's account.
If none of that matters for your agency, buy the app. Under three staff, it is usually the right call.
Setup is one-time. Monthly rates apply year-round, because agency calls don't follow a tax calendar. Your agency owns the system.
Modelled on published industry benchmarks, not a client result. The night below is built from public storm-season dates and six common agency call types.
A Tuesday in September. A storm crossed the county at dusk. A 6-producer agency with four CSRs closed at 5 p.m., and its phone kept ringing until after midnight.
FNOL recorded, carrier claim line texted, CSR alerted
claim details taken, carrier glass line given
verified, queued for the account manager
intake taken, producer callback booked
payment options answered from the agency's approved list
endorsement request logged for a CSR, not processed
A policyholder reports water coming through the ceiling. The agent asks whether anyone is hurt, records the loss, texts a photo link, gives the carrier claim line, and alerts the CSR. It does not say whether the loss is covered.
A roofer needs a certificate for a 7 a.m. jobsite. The agent verifies the business, captures the certificate holder and the additional insured request, and queues it for the account manager.
A buyer closing in two weeks wants home and auto. The agent collects the address, closing date, vehicles, and current carrier, then books a licensed producer for the morning.
Want this modelled on your agency? Send your call mix and we'll build the night in your agency's name, with your producers and your carriers.
Model My Agency's Busiest Night →Top virtual receptionist services for insurance brokers fall into four groups: human answering services, AI apps, insurance-native AI platforms, and custom builds. Human services take messages. Apps answer 24/7 for a monthly fee. Insurance-native platforms add deep AMS links. Custom builds add ownership and agency-specific workflows.
| Criteria | Custom AI front desk (Codeora Vision) | Human or hybrid answering service | AI answering app | Insurance-native AI platform |
|---|---|---|---|---|
| Who answers | AI agent, warm transfer to licensed staff | Live operators | AI agent | AI agent |
| "Is my policy active?" | Answered from your AMS after verification, built per agency on request | Message taken | From a knowledge base you write | Answered from native AMS links |
| Writes back to your AMS | Yes, scoped per agency | Rarely | Through Zapier or listed integrations | Yes, native |
| After-hours FNOL | Yes, with your carrier claim lines | Yes, message-based | Yes | Yes |
| Renewal outreach | Consent-checked calls and texts, on request | Not typical | Some plans | Yes, on some platforms |
| Licensing guardrails | Written into the agent's rules | Operator training | Knowledge-base limits | Vendor-configured |
| Published price | From $2,500 setup + $599 a month (500 min included) | $175–$300 a month (per Upfirst) | $24.95–$899 a month | Quoted per agency |
| Who owns the system? | Your agency | The vendor | The vendor | The vendor |
Named examples, from their own pages:
If you want a rented subscription with certified Applied Epic access, an insurance-native platform is a strong choice. A custom build fits agencies that want to own the system and shape it to their own workflows.
Running solo, or without an AMS? A $24.95 to $109 a month app is the better buy. Our plans start at $2,500 setup plus $599 a month. Answer three quick questions about your agency. If a custom build doesn't fit, we'll say so and point you to the right category, even when it isn't us.
An AI receptionist for insurance agency teams is a voice agent that answers the agency's phone 24/7. It takes quote intake, records FNOL after hours, routes COI requests, and books producer callbacks. It never quotes, binds, or advises. Independent agencies place 62% of US property and casualty premium, per the Big "I" 2026 Market Share Report.
No. State laws, most modelled on the NAIC Producer Licensing Model Act (#218), require a license to sell, solicit, or negotiate insurance. The agent is not licensed. It collects details, says a licensed producer will follow up, and books that callback or transfers the call.
Yes, once the agency approves it. The agent verifies the caller first, then reads what the agency allows from Applied Epic, AMS360, or HawkSoft, such as policy status and renewal date. Codeora Vision builds each read path per agency, on request, using MCP for read-only access.
An AI receptionist for insurance agencies from Codeora Vision is designed for Applied Epic, AMS360, and HawkSoft first. EZLynx, QQCatalyst, NowCerts, AgencyZoom, and Vertafore Sagitta are extended options. Each connection is scoped per agency and built on request. Agencies without an AMS are usually better served by a simpler answering app.
The best answering services for insurance brokers in the U.S. depend on volume and AMS. Solo agents often do well with a $24.95 to $109 a month app. Agencies on an AMS with steady COI volume need verified lookups and write-back. Check licensing guardrails, FNOL handling, TCPA consent, and ownership.
It is built for agencies first: independent P&C agencies with 3 to 50 staff on an AMS. Carriers run large claims and service centers with different needs, and platforms such as Liberate focus there. Codeora Vision can scope a custom build for an MGA or carrier team on request.
An insurance agent answering service picks up when the agency cannot. Traditional services cost $175 to $300 a month, per Upfirst, and mostly take messages. An AI service also collects quote details, records claims, queues COI requests, and books producers. Each call is logged in Applied Epic, AMS360, or HawkSoft.
Yes. It records the policy, date and type of loss, a description, and whether anyone is hurt. It texts a photo link, gives the carrier claim line from your approved list, and alerts the CSR. It never decides coverage. Callers reporting injury or danger are told to call 911 first.
Rented apps run $24.95 to $899 a month, per Upfirst and AgentZap. A full-time CSR costs about $46,700 a year in wages at the BLS insurance median. Codeora Vision charges a one-time setup of $2,500 to $5,000, then $599 to $999 a month with 500 to 2,000 minutes included and $0.60 a minute after.
The agent is designed for compliance with all three. For Model #668, Codeora Vision documents encryption, access control, and audit logging for your vendor oversight. Policy details go only to verified callers. Outbound renewal calls check consent, because the FCC confirmed in 2024 that the TCPA covers AI voices.
Setup takes three to four weeks. Booking by December 1 means going live before 1/1 renewals. The build follows The ORACLE Build Method™: Observe, Reason, Architect, Calibrate, and Evolve. Agencies starting with after-hours coverage can go live sooner and add AMS lookups later.
The best time to set up an insurance agency answering service is before the phones spike. Start with the free demo. Send your three most common calls, and within 48 hours you hear the agent answer them in your agency's name. Prefer to talk first? Book a 30-minute readiness call instead. Either way, you get an agent built on LangGraph, MCP, and Claude, owned by your agency.
Get My Free 48-Hour Agency Demo → Book a 30-Minute Readiness CallReplies the same business day. Calls scheduled in US business hours.
Before the call, check whether your carrier agreement allows third-party phone tools. We'll ask about it first.
Online scheduling is not connected yet. Your details have been sent, and we reply the same business day.
Life and health calls follow different marketing and consent rules, so we don't build for them yet.
For a solo agency or one without an AMS, an AI answering app is usually the better buy. Upfirst starts at $24.95 a month for 30 calls, and AgentZap starts at $109 a month plus a $499 setup fee, per their own pages. If your agency grows or adds Applied Epic, AMS360, or HawkSoft, we'd be glad to talk then.
