AI Agents for Insurance Agencies & Brokers | $99/mo

Quote Multi-Carrier Policies in 60s &
Resolve First Notice of Loss (FNOL) 24/7.

Deploy specialized AI Agents that bind personal and commercial lines across multiple carriers, capture First Notice of Loss (FNOL) claims with photo damage estimation, issue Certificates of Insurance (COIs) in seconds, and defend client retention — integrated with Applied Epic and AMS360. From $99/month. Live in 24 hours.

100 free test credits • Plans from $99/month • Live in 24 hours • SOC 2 Certified
Book a Free Demo Start Free — Plans from $99 →

Works with Applied Epic, Vertafore AMS360, HawkSoft, and EZLynx  ·  No credit card required  ·  Cancel anytime

The Cost of Inaction

Where Your Business Is Quietly Leaking Revenue.

Traditional teams struggle to handle peak volume, after-hours inquiries, and manual data entry. Here is what is costing you every month:

01
Commercial Certificate of Insurance (COI) Requests Jam Email Inboxes
Contractors and vendors need rush COIs to get on job sites, but agency CSRs take 24-48 hours to manually generate and email each certificate.
02
First Notice of Loss (FNOL) Claims Get Delayed Over Weekends
When policyholders get into a car accident or suffer pipe leaks on Saturday, filing claims via voicemail delays repair approvals and inflates loss costs.
03
Rate Hikes Trigger Policyholder Shopping & Churn
When insurance carriers increase premiums by 15% at renewal, agencies lose accounts because staff lack the time to re-shop policies across alternative carriers.
The AI Agent Solution

Specialized AI Agents That Never Sleep.
Orchestrated by One Main AI Agent.

Deploy a coordinated team of dedicated sub-agents that solve your revenue leaks, qualify buyers, and automate operations 24/7/365.

Sub-Second Response Across Channels
Answer 100% of incoming inquiries on Webchat, WhatsApp, SMS, and Slack in under 1.2 seconds — day or night.
Live System & CRM Sync
Every interaction, appointment, and qualification score is instantly committed to Applied Epic, Vertafore AMS360, HawkSoft, and EZLynx without manual human data entry.
Autonomous Execution & Approvals
Sub-agents handle 90% of routine workflows autonomously, while flagging high-value threshold tasks for 1-click Slack approvals.
Seamless Setup

Configure Your AI Agent in 4 Simple Steps.

No code. No engineering resources. Live and working with your stack in under 24 hours.

STEP 01
Connect Agency Management System & Rating Engines
1-click integration with Applied Epic, Vertafore AMS360, HawkSoft, and EZLynx.
STEP 02
Ingest Underwriting Guidelines & Carrier Appetite Rules
Upload commercial classification codes, loss-run thresholds, deductible options, and rating formulas.
STEP 03
Configure Automated COI Issuance & FNOL Triage
Enable sub-minute COI generation, mobile damage photo upload, and renewal re-shopping workflows.
STEP 04
Direct Insurance Agency Operations via Natural Chat
Command the Main AI Agent for written premium pacing, retention ratios, and loss-ratio analytics.
Chat-Ops & Prompt-Driven Execution

Everything Done Through Chat.
No Complex Dashboards. No Clunky Menus.

Manage your entire operation directly through natural conversation. Whether in Slack, Teams, SMS, WhatsApp, or Webchat — just tell your AI Agent what to do.

1. Get Reports via Prompt
"Show me this month’s total written premium, policy retention rate, and rush Certificate of Insurance (COI) volume."
Report: $1.42M written premium (+24% YoY), 94.6% policyholder retention, 184 COIs issued in avg 42 seconds.
2. Assign via Prompt
"Issue ACORD 25 Certificate of Insurance with Additional Insured endorsement for Apex Construction on Project #9482."
Verified active commercial general liability; generated ACORD 25 PDF; emailed certificate to general contractor in 30 seconds.
3. Schedule via Prompt
"Intake auto collision claim for driver Mark Spencer with front bumper damage and third-party police report."
Extracted incident details and photos; filed FNOL in Applied Epic; dispatched tow truck and assigned adjuster.
4. Update Applied Epic & Vertafore AMS360 via Prompt
"Re-shop 16 homeowners policies facing >12% premium increases across Travelers, Hartford, and Safeco."
Ran multi-carrier comparison; identified lower premium options saving avg $340/year; sent personalized renewal proposals.
Webchat Widget
WhatsApp Business
SMS & Twilio
Slack Workspace
AI Voice Inbound
Live Interactive Customer Conversation Simulator
Active · Sub-1.2s Response
CU
Contractor client texted: "Need a Certificate of Insurance for General Contractor Turner Construction for a $50k electrical job starting in 2 hours!"
AUTONOMOUS ACORD 25 CERTIFICATE OF INSURANCE GENERATION
Applied Epic API: Verified active Commercial General Liability ($1M/$2M limits) & Workers Comp
Added Turner Construction as Certificate Holder & Additional Insured
Generated stamped ACORD 25 PDF and dispatched to GC and client
Certificate of Insurance Issued in 28s! Generated official ACORD 25 certificate with Turner Construction listed as Additional Insured. Stamped with agency signature and emailed directly to the project manager. Client cleared for job site entry.
100%
Lead Coverage Across All Channels
< 1.2s
Average Response & Booking Time
$0
Extra Engineering or Setup Costs
Multiple Specialized AI Agents · One Main AI Agent

One Main AI Agent Handles All Reports.
Specialized AI Agents Do the Specific Work.

Leadership prompts the Main AI Agent for consolidated store reports, pipeline briefings, and approvals. Each department interacts with specialized sub-agents tailored to their workflow in Slack, Teams, or Webchat.

Agency Leadership Command
Consolidated Agency Book of Business & Retention Health
Prompt the Main AI Agent for multi-carrier written premium pacing, policy retention percentages, loss ratios, and producer sales velocity.
Protect 95%+ Retention
Re-shops rate hikes before clients look for a new broker.
Sub-Minute COI Turnaround
Eliminates CSR certificate backlogs so staff can focus on selling.
24/7 Claim Compassion
Guides distressed policyholders through claims day or night.
#agency-command
Main AI Agent · Principal Mode
PRINCIPAL
Victoria Vance (Agency Principal)09:00 AM
What is our commercial lines retention rate this quarter, and how many rush Certificates of Insurance (COIs) were issued this morning?
Rhino Main AI Agent09:00 AM
Insurance Agency Operations Summary:
• Book of Business: $18.4M Total Written Premium across 2,400 accounts.
• Commercial Retention: 95.8% (Exceeding 92% agency goal).
• Certificates of Insurance: 42 rush COIs issued autonomously in avg 32 seconds.
• FNOL Claims: 6 weekend auto/property claims triaged with photo damage reports.
• Customer CSAT: 4.9/5 stars.
COI Specialist
Issues Flawless ACORD Certificates in Under 60 Seconds
Verifies active commercial coverage limits, adds custom certificate holders and additional insured endorsements, and emails certified PDFs.
Sub-Minute ACORD 25 Creation
Generates compliant certificate PDFs with agency digital signatures.
Waiver of Subrogation Verification
Ensures endorsements match contractor contract specifications.
Automated Multi-Party Dispatch
Emails COIs simultaneously to the contractor, owner, and general contractor.
#coi-service
COI Agent
CLIENT
David Miller (Contractor Client)11:30 AM
Can you send a COI for project #4028 to GC Skanska USA with 30-day notice of cancellation?
COI Agent11:30 AM
Your ACORD 25 Certificate of Insurance has been generated! Skanska USA is listed as Certificate Holder and Additional Insured with 30-day notice of cancellation noted. Stamped PDF emailed to your project coordinator and attached here.
Claims Specialist
24/7 Compassionate Claims Intake & Photo Triage
Answers accident calls in 2 rings, collects incident details and damage photos, checks deductible coverage, and files FNOL claims directly into your AMS.
Mobile Damage Photo Extraction
Analyzes vehicle or property damage photos via vision AI.
Sub-3m FNOL Filing
Transmits complete loss reports to carrier claims clearinghouses.
Emergency Tow & Rental Dispatch
Coordinates emergency towing and Enterprise rental reservations.
#fnol-claims
Claims Agent
SPEC
Carlos Mendez (Claims Supervisor)02:00 PM
Check status of yesterday’s residential pipe burst claim for the Sterling property.
Claims Agent02:00 PM
FNOL Claim Update:
• Carrier: Chubb Homeowners (Claim #CH-948201).
• Status: Adjuster Assigned (On-site inspection today at 3:00 PM).
• Emergency water mitigation crew dispatched yesterday (Damage contained).
• Deductible: $1,000 | Temporary living expense authorization approved.
Renewal Specialist
Protects Account Retention When Rates Increase
Flags renewal rate hikes 60 days before expiration, re-quotes policies across your agency’s carrier panel, and delivers comparison savings proposals.
Multi-Carrier Comparative Re-Quotes
Queries EZLynx and comparative rating engines for lower premiums.
Personal Umbrella Cross-Selling
Identifies underinsured clients and suggests umbrella coverage.
60-Day Renewal Alerts
Catches rate spikes early before policyholders receive carrier bills.
#renewal-retention
Renewal Agent
SPEC
Elena Rostova (Account Manager)04:15 PM
Review high-rate renewal accounts for next month.
Renewal Agent04:15 PM
Renewal Re-Shop Analysis:
• 18 policies flagged with rate increases > 10%.
• Re-quoted across Safeco, Travelers, and Hartford.
• 14 policies successfully matched to lower-premium options (Average savings: $410/account).
• Branded comparison proposals ready to email to clients.
Enterprise Features

Everything You Need for Enterprise Automation.

Built for high-volume operations, strict compliance, and effortless multi-channel management.

Sub-Minute ACORD 25 Certificate of Insurance (COI)
Generate certified COIs with additional insured endorsements and email general contractors in seconds.
24/7 First Notice of Loss (FNOL) Claims Intake
Intake accident reports, collect damage photos via smartphone, and file claims in Applied Epic day or night.
Proactive Policy Renewal Re-Shopping
Catch carrier rate hikes 60 days out and re-quote accounts across your carrier panel to protect retention.
Commercial Fleet MVR & Loss-Run Audits
Verify commercial driver records and analyze 3-year loss runs to secure preferred carrier fleet discounts.
Automated Umbrella & Cyber Liability Cross-Sells
Identify policy coverage gaps and propose affordable personal umbrella and commercial cyber endorsements.
Full Agency Management Software Stack Sync
Seamlessly connect Applied Epic, Vertafore AMS360, HawkSoft, and EZLynx.
Native Integrations

Connects to Your Entire Tech Stack.

RhinoAgents connects via secure REST APIs and webhooks in under 15 minutes.

Agency Management Systems (AMS)
Applied Epic & Vertafore AMS360
Synchronize client policy records, ACORD forms, endorsements, claims, and commission ledgers.
Comparative Rating Engines
EZLynx & PL Rating
Real-time multi-carrier personal auto, homeowners, and commercial rating API queries.
Policyholder Messaging
WhatsApp & SMS Agency Portal
Send proof of insurance ID cards, renewal reminders, and claim status updates.
Claims & Damage Estimation
Snapsheet & CCC ONE
AI photo damage analysis, auto repair shop coordination, and appraisal auditing.
Policyholder E-Signatures
DocuSign & InsureSign
Secure electronic signature capture for policy binders, applications, and statement of values.
Operations Control
Slack & Teams Agency ChatOps
Real-time rush COI alerts, severe FNOL notifications, and commercial bound policy celebrations.
Common Questions

Frequently Asked Questions.

Everything you need to know about pricing, setup, and multi-agent operations.

How does the AI issue Certificates of Insurance (COIs) in under 60 seconds?
When a contractor texts or emails a rush COI request with project details, the AI verifies active coverage limits in Applied Epic or AMS360, adds the general contractor as Additional Insured, generates a stamped ACORD 25 PDF, and emails it immediately.
Can it handle First Notice of Loss (FNOL) claims over weekends?
Yes! When a policyholder calls or messages about an accident or property leak, the AI captures the loss details, sends a link for damage photos, checks the deductible, files the claim into your AMS, and schedules a preferred repair facility.
How does it protect agency retention when carriers increase rates?
The AI audits upcoming renewals 60 days in advance. If a carrier rate hike exceeds 10%, it automatically re-quotes the client across your agency’s alternative carriers in EZLynx, preparing a comparison proposal that prevents client churn.
Does it integrate directly into Applied Epic and AMS360?
Yes! RhinoAgents connects directly to Applied Epic, Vertafore AMS360, HawkSoft, and EZLynx, keeping client records, activities, and policy documents synchronized in real time.
What does the $99/mo plan include for insurance agencies?
The $99/mo plan includes unlimited specialized sub-agents, full AMS and rating integrations, 100 free test credits, automated COI issuance, and 24/7 FNOL claims intake with zero setup fees.
Is policyholder personal and commercial data secure?
Yes. We are SOC 2 Type II certified and adhere to state insurance department data security regulations. Policyholder data, loss runs, and commercial financials are strictly encrypted and never shared.
"RhinoAgents completely solved our rush certificate crunch. Contractors get their COIs in 30 seconds on Saturday morning, and our CSRs saved 4 hours a day of tedious paperwork."
Victoria Vance
Agency Principal · Vance & Associates Insurance Brokers
AI Agents for Insurance Agencies & Brokers

Connect. Configure. Get Work Done.
Plans from $99/mo.

Your AI Agent connects to Applied Epic, Vertafore AMS360, HawkSoft, and EZLynx in minutes — then works 24/7 qualifying leads, booking meetings, and updating your systems. Live in 24 hours.

Book a Platform Demo Start Free — Plans from $99 →
100 free test credits • No credit card required • Cancel anytime • Live in 24 hours
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