# An AI receptionist for insurance agencies that books the licensed agent
> An AI receptionist and answering service for insurance agencies: takes quote requests for a licensed agent, routes claims and service calls. Fixed price.
Canonical: https://app369.com/service/ai-receptionist-for-insurance-agencies/
For independent insurance agencies and captive agents: an AI receptionist answers your calls, chat or web forms after hours, takes the details a licensed agent needs for a quote, gives callers the carrier’s claims line from your list, and logs every request. It never quotes, recommends coverage or binds a policy.
Simon Dziak builds it on your own phone number, calendar and agency software, and you own it. One channel, the phone line, website chat or web forms, is a fixed $2,500. Phone, chat and forms in English and Spanish, with missed-call text back, is the AI Receptionist Build at a fixed $5,000. The optional AI Care plan keeps the intake script and carrier list current for $297 a month.
Fixed prices
[**All fixed-price offers**](https://app369.com/fixed-price/)
- [$2,500**AI Feature or Agent Build**One LLM feature or agent wired into your app or tools, with an eval set that shows how well it works.**See scope and start**](https://app369.com/fixed-price/ai-feature-development/)
- [$1,200**API Integration**Two systems connected through their APIs, with retries, logs, failure alerts and tests.**See scope and start**](https://app369.com/fixed-price/api-integration/)
Something else? [**Describe your project**](https://app369.com/contact/)
Plans
## Two builds and a care plan, each at a fixed price
- Tier 1 ### **One channel****$2,500**fixed 10 business days after the spec is agreed and access arrives. **For a business that wants one front door answered first.**
- One channel: the phone line, website chat or web forms
- Answers, asks your intake questions, and books or hands off to a person
- Every lead logged
- An eval set of up to 50 cases, scored before handover [Pay $2,500 for one channel](https://buy.stripe.com/8x2fZi5BWaSv06q63Igw00i)
- Tier 2 ### **AI Receptionist Build****$5,000**fixed 15 business days after access arrives, from a one-page spec you approve first. **For a clinic, law firm or office that wants every call, chat and form answered, booked and logged.**
- Phone, website chat and web forms answered 24/7, on your own Twilio number and model account
- English and Spanish
- Booking into one calendar, with a confirmation by text or email
- Missed-call text back from a registered number, with STOP opt-out
- Urgent calls transferred or flagged, and every conversation logged to one CRM or inbox with a summary and transcript
- An eval set of up to 50 cases scored before handover, then 30 days of tuning after launch [Pay $5,000 for the AI Receptionist Build](https://buy.stripe.com/8x2aEYggAgcPcTc77Mgw00q)
- After launch ### **AI Care plan****$297**a month For a receptionist Simon built, on either tier. Cancel any time. **For keeping it accurate as your hours, prices and questions change.**
- Hosting and monitoring on your own cloud account
- Prompt and knowledge tuning
- A monthly call-log review, with a short report of missed questions and the fixes made [Subscribe: AI Care plan, $297/month](https://buy.stripe.com/3cI5kEd4o7GjbP8gImgw00r)
Cloud, phone and model usage are billed to your own accounts. Each build connects one calendar and one CRM or inbox, named in the spec; more are quoted in writing. Texting starts once your number is registered. Missed-call text back on its own is the API Integration, $1,200. Not included: outbound AI calls, recording without a consent step, a guaranteed accuracy score, and HIPAA work without a business associate agreement from every vendor.
Built for an insurance agency
## **What an insurance agency receptionist has to get right**
- 01 ### **Quote requests a licensed agent can work** It takes the details a licensed agent asks first: the type of policy the caller is asking about, the zip code, the current carrier and the renewal date. It only records the answers. It does not size coverage, compare carriers or say what the caller needs. Your agents set the questions, and it books a time with a licensed agent from the calendar the spec names. [**AI Feature or Agent Build**](https://app369.com/fixed-price/ai-feature-development/)
- 02 ### **Not an agent, and it says so** It never quotes a premium, says what a policy covers, recommends coverage or binds anything. A caller who asks gets a clear answer that a licensed agent will go over it, and a booked time or a callback. Your agency approves that wording.
- 03 ### **Claims go to the right carrier** A caller reporting a claim gets the claims line for their carrier from the list your agency keeps, and a message is logged for your service team. If the caller does not know the carrier, or it is not on your list, it logs the message for a person to call back and does not guess a number. It does not say whether a loss is covered or whether to file, and your agency keeps the list current. A caller who is hurt or in danger is told to call 911 first. With the AI Receptionist Build, anything on your urgency list goes to the person on call by transfer or text with the summary; the one-channel build takes an urgent message for your staff.
- 04 ### **Service requests logged, not answered from guesses** Current clients asking for a certificate, an ID card, a billing change or a policy change get the request logged for your service team, never a coverage answer. Every request is logged where your team works. With the AI Receptionist Build it arrives with a short summary and the transcript. [**How the AI receptionist works**](https://app369.com/service/ai-receptionist/)
- 05 ### **Into your agency software** AgencyZoom’s API documentation says it “enables third party applications to integrate with Agencyzoom to manage lead, customer, policy, and tasks”, so the build can log quote requests to your AgencyZoom account as leads, as the one system it connects; the spec names it. Other agency software can take that slot where it offers an API you can use; otherwise requests arrive by email in the inbox the spec names. The connection logs in as an AgencyZoom user, and full lead access needs your agency owner’s user, so the spec confirms the access before the build starts. [**API Integration**](https://app369.com/fixed-price/api-integration/) [**AI answering service**](https://app369.com/service/ai-answering-service/) [**Speed to lead and missed-call text back**](https://app369.com/service/speed-to-lead/)
- 06 ### **Built from Miami, for agencies across the US** Simon works from Miami and builds for insurance agencies anywhere in the US, by email and shared documents. [**App369 in Miami**](https://app369.com/locations/miami-florida/)
Parts already in production
## **Intake, booking and texting already run in Workspace369**
Workspace369 is App369’s own client-work platform, live on the App Store. It is not agency management software and does not run an AI phone agent; it runs the parts an agency front desk is wired from.
- **✓**### **Forms that start the record** Intake forms that create the contact and keep every answer with it.
- **✓**### **Booking from availability** Booking pages that offer open times from a connected Google Calendar and create the event with a confirmation.
- **✓**### **Texting from a business number** Two-way SMS on Twilio with STOP opt-outs, kept with the contact in a shared inbox.
- Twilio
- Claude API
- Gemini API
- Google Calendar API
- AgencyZoom API
- Webhooks
- TypeScript
FAQ
## **Questions before you start**
**How much does an AI receptionist for an insurance agency cost? **
$2,500 fixed for one channel, delivered 10 business days after the spec is agreed and access arrives. $5,000 fixed for the AI Receptionist Build, which answers phone, website chat and web forms in English and Spanish with missed-call text back, delivered 15 business days after access arrives, plus 30 days of tuning. The AI Care plan is $297 a month; cancel any time. Phone and model usage are billed by Twilio and your model provider to your own accounts.
**Why does it never quote or recommend coverage? **
Selling insurance generally takes a license. Florida Statutes § 626.112 says “No person may be, act as, or advertise or hold himself or herself out to be an insurance agent” without a current license and appointment, and other states have their own licensing rules. So by default the receptionist collects the details and books a licensed agent, and anything that sounds like advice, a premium or coverage goes to that agent. Your state’s rules and your carriers’ agreements govern. This is not legal advice.
**Is this an insurance agency answering service? **
Yes. It answers after hours, at lunch and when every line is busy, takes the quote request or the service request, and gives claims callers their carrier’s claims line. With the AI Receptionist Build it also texts back missed calls.
**What does it not do that a human answering service does? **
It does not quote, bind, take payments, make outbound calls or handle an upset caller the way a trained person does. It takes the request, runs your urgency list and logs it. Keep the human service if your callers expect a live person on every call. Use this for overflow, after hours and weekends, or in place of a per-minute service where the calls are mostly intake. App369 charges no per-minute fee; Twilio and model usage are billed to your own accounts.
**Do callers have to be told the call is recorded? **
In some states, yes. Florida Statutes § 934.03(2)(d) makes recording lawful when all of the parties to the communication have given prior consent. By default the receptionist opens with an AI and recording notice and is built to work without recording when the caller says no; the eval set tests that. You approve the wording. This is not legal advice.
**Can it text callers back? **
With the AI Receptionist Build it texts back missed calls, from a number registered in your own Twilio account, with STOP opt-out handled. Twilio’s docs say anyone sending SMS/MMS messages over a 10DLC number from an application to the US must register for A2P 10DLC. It texts only people who called your agency, and does not start texts or calls to people who have not contacted you, such as bought leads; consent for those is yours to confirm with your counsel. This is not legal advice.
**Where does caller information go? **
Call audio and text go through your own Twilio and model accounts, and requests are logged to the one system the spec names, so your providers’ data terms apply. Check your carrier agreements and your state’s rules for policyholder data before launch. This is not legal advice.
**Can it answer in Spanish? **
Yes. The AI Receptionist Build answers in English and Spanish, and the summary for your agents is in English.
**Does it tell callers it is an AI? **
Yes. It says it is an AI assistant for your agency at the start, and offers a booked time or a logged callback whenever the caller asks for a person. With the AI Receptionist Build it can transfer the call to your team during the hours they take calls.
**Do I need a call first? **
No. The spec and the build happen in writing by email. If you want to talk it through, consultations are paid: $100 per 15 minutes, paid upfront.
### **Sources**
- [Florida Statutes § 626.112: license and appointment required](https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0626/Sections/0626.112.html)
- [AgencyZoom API documentation](https://app.agencyzoom.com/openapi/agencyzoom.yaml)
- [Florida Statutes § 934.03](https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0900-0999/0934/Sections/0934.03.html)
- [Twilio docs: A2P 10DLC](https://www.twilio.com/docs/messaging/compliance/a2p-10dlc)
Not a fixed-price job?
## **Describe it and get a written quote**
Send what you need built or fixed. You get a written scope, a fixed price and a timeline; Simon replies by email, usually within one business day.
[**Describe your project **→](https://app369.com/contact/) [**Instant quote**](https://app369.com/instant-quote/)
Prefer a call? Consultations are $100 per 15 minutes, paid upfront.