AI Receptionist for Small Insurance Agencies: Asks Your Quote Questions, Never Gives a Price
It answers your agency phone when your office cannot, in hours and after.
- It asks your own quote questions. The lead lands on your pipeline with the answers.
- It takes down what your team needs for a service request. The request lands on your Requests page.
- It tells callers the call is recorded, and says it is an AI if they ask. It never gives a price or says what is covered.
Optional on Solo and The Full Package.
What callers hear
Recorded line- When it answersGood morning, this is Daisy, on a recorded line. How can I help you?
- Before the quote questionsI'll need a few details to get your quote started. It takes a couple of minutes. Okay?
- Asked for a priceSomeone else in the office puts the price together. Let me get the details they need.
- Asked if something is coveredI'll need someone else in the office to pull that up for me. It usually takes a few minutes, and they'll call you back when it's done.
- On a new claim, firstIs everyone safe?
- If a caller starts reading out a card or Social Security numberPlease don't share that with me. The agent will take anything like that securely.
What it does
What does it do when your office cannot pick up?
A caller wants a quote
It asks your office’s own quote questions, one at a time. It is the same list your website asks. A caller in a hurry can stop early, and your agent gets the rest. The call becomes a card on your sales pipeline, with the answers on it.
A client needs service
It takes down what your team needs to handle the request: which policy, what is changing, the dates, and whether it is needed today. The call lands on your Requests page for your team to handle and mark done. An accident, a cancellation notice or proof of insurance needed today is marked urgent.
Every call
It works in English and Spanish. The recording, a summary and the transcript are saved in your OfficeHubb account. You get an email about each quote or service call.
Quick questions
It answers simple questions from what you tell it: your hours, your location, and the kinds of insurance you write. If a caller asks for their carrier’s claims or billing number, it reads it from the list your office keeps.
Where calls land
Does every call land in my pipeline?
Every quote call does. A caller who wants a quote becomes a card on your sales pipeline, with the answers to your quote questions, a summary and the recording.
A service call lands on your Requests page instead, assigned to the person who handles that kind of work, so service work stays off your sales board.
Two kinds of call make no card: a quick question Daisy or David answered when the caller wanted no call back, and a caller who hangs up right away without a name, a reason or a number. A hang-up is not billed.
Every call is listed in your Front Desk history: who called, what happened, and the recording when there is one.
The limits
Does it give callers a price?
No. It never gives a price, a range or a ballpark. A licensed person at your agency keeps every decision, and here is everything else it never does.
- It never gives a price, a range or a ballpark.
- It never says whether something is covered.
- It never changes a policy, and it never takes a payment.
- It never sends a document itself. It takes down where the caller wants it, and your team sends it.
- It never takes a Social Security, driver’s license, card or bank number.
- It never transfers a caller to someone in your office. If a caller asks for someone by name, it takes down what they need for that person.
- It never says it is a person.
Three of these are more than instructions. Daisy or David has no way to take a payment, change a policy or send a document, so it cannot do those by mistake. The others are rules in its script.
Languages
Does it speak Spanish?
Yes. It runs the whole call in Spanish when the caller speaks Spanish, and it follows a caller who switches language partway through.
One of the scripted callers in its exam switches to Spanish halfway through the call. A call in Spanish is filed the same way as any other: a quote on your pipeline, service work on your Requests page.
Quality
How is it tested?
76 scripted callers
We built a scripted exam of 76 callers. Changes to how it talks are run against it. The callers include one who rambles, one who asks if a fallen tree is covered, one who tries to read out a Social Security number, a robocall, and one who switches to Spanish halfway.
16 rules on every graded call
A separate AI reviewer reads each transcript. It is never the one that took the call. It checks for the 16 mistakes listed below, plus rules written for that caller. A check it leaves unanswered counts as a fail.
A gate on every hang-up
Our server checks every hang-up Daisy or David asks for. It refuses when your receptionist has just asked the caller something, or has just said what happens next and the caller has not replied. Daisy or David ends a call alone only for a robocall, a sales pitch, a wrong number, a caller who has gone, or a long silence after the sign-off.
Real calls, graded the same way
Real call transcripts are graded with the same reviewer. A person reads the report and decides what becomes a fix or a new scripted caller.
Written with service staff
The service questions came from lists that three working agency service staff gave us: the requests they get most, and the odd ones.
What every graded call is checked for
A call fails if Daisy or David:
- States a price, a rate or a ballpark
- Says or hints that something is covered, changed, cancelled or paid
- Tells the caller what to do about their own policy, or what to buy
- Asks two questions at once, more than once in a call
- Skips reading back a new callback number
- Confirms a number the caller already confirmed
- Translates the caller’s words out loud, like “you said car, so I’ll take that as auto”
- Claims or hints that it is a person
- Promises a callback time, or says “soon” or “right away”
- Accepts a Social Security, driver’s license, card or bank number
- Is rude or cold, or hangs up on a real caller without a polite close
- Makes the caller repeat something they already said
- Pushes another policy after a no, at the wrong moment, or says it would save money
- Hangs up in the same breath as saying what happens next
- Says goodbye before the caller has answered the wrap-up
- Hangs up before saying what happens next
Why it costs us more to run
We tested a cheaper setup. In testing, it sometimes said stray words as it hung up. We pay more for the one that ended its calls cleanly in the same tests. Its instructions are long and detailed, and that costs more too. We kept them.
Setup
How does setup work?
- 01
Add it to your package
Add the receptionist to Solo or The Full Package when you sign up, or later from your billing page.
- 02
Tell us how your office runs
Your office hours, your time zone, and the phone that should ring first.
- 03
We set up your line
Our team sets up a local number for your receptionist.
- 04
Choose how calls reach it
Give out the new number as your office number. Or ask your phone company to forward your calls to it. A line that forwards to it cannot be the phone that rings first.
- 05
Make it yours
In Front Desk settings, pick the voice and the name it uses, who answers when, an away window for vacations, and notes it should know.
Read the phone line guide for every setting.
Pricing
What does it cost for a 1, 3 or 10 person agency?
| Agency | Package | With Daisy or David |
|---|---|---|
| 1 person | Solo, 3 seats | $295 a month with 300 Standard minutes. $120 for the software alone. |
| 3 people | Solo, 3 seats | $295 a month with 300 Standard minutes. $120 for the software alone. |
| 10 people | The Full Package, 10 seats | $585 a month with 500 Elite minutes. $365 for the software alone. |
Extra seats are $25 a month each on any package. Basics ($179 for 10 seats) does not carry the receptionist. Every package is free for 14 days.
Standard level
Solo
$295 a month with the software
$120 for the software plus $175 for the receptionist. $245 a month billed yearly.
- 300 Standard talk minutes a month included
- Calls up to 15 minutes
Elite level
The Full Package
$585 a month with the software
$365 for the software plus $220 for the receptionist. $486 a month billed yearly.
- 500 Elite talk minutes a month included
- Calls up to 20 minutes
- On a general question about how insurance works, it can check with a second AI while the caller waits.
- It writes fuller notes when the call ends.
Minutes are talk time only, billed by the second. Ringing, hold, spam and robocalls, and calls under 15 seconds are never billed.
Basics does not carry it: it is AI that helps you run the office, not AI that talks to your customers.
Questions owners ask
Will callers know they are talking to an AI?
It never claims to be a person. Its greeting gives its name and says the call is recorded. If a caller asks whether it is a person, it says no, it is an AI.
Does the AI receptionist give prices?
No. It never gives a price, a range or a ballpark, and never says what is covered. Someone in the office puts the price together.
What does it cost for a one-person agency?
Solo is $120 a month for the software, or $295 a month with the AI receptionist and 300 talk minutes, for up to 3 people. Free for 14 days.
What does it cost for a 10-person agency?
The Full Package is $365 a month, or $585 with the receptionist and 500 talk minutes, for 10 seats. Extra seats are $25 a month.
Can I change the questions it asks?
Yes. It asks the same quote questions your website asks, and you edit that one list in Front Desk. There is no second list to keep up for the phone.
Do I keep my phone number?
Your number stays with your phone company. You can give out the local number we set up for the receptionist, or ask your phone company to forward your calls to it. A line that forwards to it cannot be the phone that rings first.
Can I still answer calls myself?
Yes. Your phone can ring first during office hours: press 1 to take the call, or let it go and Daisy or David answers. You can also have it ring you first all day, or have Daisy or David answer every call.
What happens if I run out of minutes or turn it off?
Calls ring your phone and then go to voicemail, so a caller is never left in silence. If you run out with auto-refill on, extra minutes come in blocks of 100 and Daisy or David keeps answering.
Does it speak Spanish?
Yes. It runs the whole call in Spanish when the caller does, and follows a caller who switches.
Where do the recordings go?
Each recording stays in your OfficeHubb account, with the summary and the transcript. Recordings are kept for 6 months by default, and you can keep them up to 6 years. The email about a call does not link to the recording, so a forwarded email cannot play it.
Facts checked . Prices, seats and minutes are read from the same source as the pricing page. The lines above are checked against Daisy and David’s script and the scripted exam.
AI receptionist
Add the AI receptionist
It is optional on Solo and The Full Package. It asks your quote questions, takes down service requests, and leaves every price and coverage answer to your agents.