INDUSTRY

AI Agents for Insurance

Automate quoting, claims support, and policy renewals. Write more business without adding producers.

December 21, 2025•INDUSTRY

Insurance is a relationship business built on paperwork: applications, quotes, policies, claims, renewals. Every day you spend on administration is a day not spent with clients or writing new business.

From quote generation to renewal management, AI agents can automate the operational tasks that keep your agency running—without per-seat software costs or complex management systems.

The Insurance Software Tax

Every agency management tool adds up. Here is what a typical 10-person insurance agency pays annually for their technology stack:

Tool	Price/User	Annual (10 users)
Applied Epic	$125/user/mo	$15,000
HawkSoft	$90/user/mo	$10,800
AgencyBloc	$75/user/mo	$9,000
EZLynx	$100/user/mo	$12,000

Prices for professional tiers as of December 2025. Most require annual contracts and implementation fees.

You are spending $800-1,200/month on software that still requires manual data entry, quote comparisons, and renewal tracking.

Common Insurance Agency Challenges

Running an insurance agency means balancing sales, service, and retention while drowning in paperwork. These challenges drain your time:

Quote generation bottleneck

Gathering client information, submitting to multiple carriers, comparing options, and preparing proposals. A single commercial quote can take hours of back-and-forth.

Policy administration overload

Applications, endorsements, certificates of insurance, policy changes—an endless stream of paperwork that must be processed accurately and quickly.

Renewal management chaos

Tracking renewal dates across hundreds of policies, preparing remarketing submissions, and handling retention conversations. One missed renewal is a lost client.

Claims support burden

First notice of loss intake, status updates to clients, carrier follow-up, and documentation. Your clients need support when they need it most.

AI Agents Built for Insurance

These agents work together to handle the operational work that keeps you from growing your book:

AI Sales Agent

Nurture leads, follow up on quotes, and manage your new business pipeline. Never let a prospect go cold while you are servicing existing clients.

Replaces: HubSpot, Salesforce, AgencyZoom

AI Memory Agent

Track client history, coverage preferences, claims experience, and relationship context. Know everything about a client before every conversation.

Replaces: Notion, scattered notes, tribal knowledge

AI Support Agent

Handle client inquiries, provide policy information, process certificate requests, and manage endorsement changes—24/7 without adding staff.

Replaces: Zendesk, Intercom, manual responses

AI Customer Success

Monitor renewal timelines, trigger proactive outreach, identify at-risk accounts, and manage retention campaigns automatically.

Replaces: Spreadsheet tracking, manual reminders

A Day in the Life

See how AI agents handle real insurance agency workflows:

Morning Quote Pipeline Review

#sales — Slack

Quote Follow-up Report

Prospect	Line	Quoted	Status
Anderson Manufacturing	Commercial Package	Dec 10	No response - follow-up due
Riverside Properties	Habitational	Dec 12	Requested competitor comparison
Chen Family Trust	Personal Lines Bundle	Dec 14	Verbal commitment - pending app

Anderson Manufacturing has not responded in 5 days. Based on their profile, I recommend calling before noon—they typically respond better to phone than email.

Call Anderson now and send a comparison sheet to Riverside. Follow up with Chen for the application.

Done. I have scheduled a call reminder for Anderson in 10 minutes, sent the competitor comparison to Riverside Properties, and emailed Chen Family Trust with a pre-filled application link. All activities logged to the client files.

90-Day Renewal Review

Email — Scheduled Report

Upcoming Renewals (90 Days)

Client	Policy	Expiry	Premium
Pacific Coast Builders	Commercial Package	Mar 15	$13,500
Downtown Restaurant Group	BOP + Liquor	Mar 22	$4,500
Apex Consulting	Professional Liability	Mar 28	$9,000

Saved to /renewals/q1-2025-pipeline.csv

Start remarketing Pacific Coast. They mentioned rate concerns last year.

Starting remarketing for Pacific Coast Builders. I have pulled their loss runs, updated the application with current exposures, and submitted to 4 carriers based on their appetite for contractors. I will notify you when quotes come back.

Claims Intake Alert

#claims — Slack

New Claim Reported

Downtown Restaurant Group just reported a slip-and-fall incident at their Main Street location. I have gathered the initial details: incident occurred yesterday at 6pm, customer injury, witness statements available. I have opened a claim with the carrier, uploaded the incident report, and sent the client confirmation with claim number and adjuster contact information.

Good. Set a reminder to follow up with the client in 3 days.

Reminder set for Thursday. I have also flagged this account for your renewal review—this is their second claim this policy period, and we should discuss safety programs during the renewal conversation.

Your Data, Your Files, Your Control

Unlike traditional agency management systems that lock your data in proprietary databases, Lazarus uses a file-first approach:

/workspace
  /clients
    /anderson-manufacturing
      policies.csv
      claims-history.md
      communications.md
      certificates.csv
    /pacific-coast-builders
      policies.csv
      renewal-notes.md
  /quotes
    pending-quotes.csv
    quoted-dec-2024.csv
  /renewals
    upcoming-renewals.csv
  /carriers
    appetite-guides.md
    contacts.csv

Every client, every policy, every communication is organized in folders you control. Export anytime. No vendor lock-in. The AI reads these files and takes action based on context—update a policy, and the agent immediately knows.

Client folders that grow

Each client gets a folder with policies, claims history, certificates, and communications. The agent uses this context for every interaction—no more hunting through systems.

Carrier knowledge preserved

Appetite guides, underwriting contacts, submission preferences—all documented and accessible. When markets change, update a file and every agent knows instantly.

Instant policy retrieval

Ask the agent for any policy detail. It knows where everything is and can surface coverage information, claims history, and renewal dates instantly.

Institutional memory preserved

When producers leave, their knowledge stays. Every client relationship, coverage decision, and carrier conversation is captured in files.

Your book of business belongs to you—not your agency management system vendor.

Your AI Insurance Team

Set up a team of specialized agents that work together:

Agent	Role	Scheduled Work
Sales Agent	Nurtures leads, follows up on quotes, and tracks the new business pipeline	Daily quote follow-up at 9am
Memory Agent	Captures client context, coverage history, and relationship notes	Continuous learning
Support Agent	Handles service requests, certificates, and policy questions	24/7 monitoring
Customer Success	Monitors renewals, triggers outreach, and manages retention	Weekly renewal review

How They Work Together

Customer Success Agent detects a renewal approaching in 90 days and alerts the team

Memory Agent surfaces the client's history, claims experience, and last renewal conversation

Sales Agent prepares the remarketing submission using current client data

Support Agent handles any certificate requests while the renewal is in progress

All agents share the same files. When one updates client information, all agents see it immediately.

A team of AI agents working 24/7 so you can focus on client relationships and writing new business.

Works With Your Existing Stack

Connect via email, Slack, or API. No complex integrations required.

Agents communicate through the same channels you use. They work alongside your existing agency management system—not as a replacement for carrier connectivity.

Stop drowning in paperwork.

Let AI agents handle quote follow-ups, renewal tracking, and client service while you focus on growing your book of business.

Get started free

Use Case