AI chatbot for insurance agents.
An independent agency's site gets the same questions all week: which carriers do you write with, do you insure contractors, how do I add my teenager to my auto policy, and who do I call after an accident. A chatbot trained on your agency's pages explains your lines of business and how claims work, and collects details so a licensed agent can quote or service the policy, without ever implying coverage is in place.
14 days free, then a free plan or from $8 a month. No card required.
Visitor: Do you insure landscaping businesses? I have two trucks and four employees.
Chatbot: Yes. We write commercial coverage for landscapers and contractors, including general liability, commercial auto and workers' compensation, through several carriers. A licensed agent will need a few details to quote it: annual revenue, payroll, your vehicles and the states you work in.
Business insurance page
Visitor: We're already clients. A customer needs a certificate of insurance by Friday.
Chatbot: You can request one through our certificate request form, and we usually send it within one business day. Have the certificate holder's name and address ready, plus any additional insured wording they've asked for.
Certificate requests page
Visitor: Will my policy cover a tree we damaged on a job last week?
Chatbot: I can't say whether a specific loss is covered: that depends on your policy and the carrier's review. Please call our claims line at (414) 555-0129, or leave your name and number and an agent will call you to help you report it.
Human handoff
Powered by ChatBento
12 questions customers ask insurance agents
The questions insurance agents hear most. Copy them as a Q&A template, add your answers, and the chatbot answers them in your words.
- 1Which insurance companies do you work with?
- 2Can you quote my auto and home together for a bundle discount?
- 3How do I add my 16-year-old to my auto policy?
- 4I need a certificate of insurance for a job tomorrow. How do I get one?
- 5Do you write general liability and workers' comp for contractors?
- 6Do you offer flood insurance, and is there a waiting period before it starts?
- 7My renewal went up a lot. Can you shop my policy with other carriers?
- 8How do I report a claim after hours or on a weekend?
- 9Do you insure landlord properties or short-term rentals?
- 10Can I get an umbrella policy, and what do I need to have first?
- 11Is my car covered if a friend borrows it?
- 12How do I make a payment or set up autopay with my carrier?
Set it up in four steps
- 1
Point it at your website
Enter your site's address and ChatBento reads your pages. For insurance agents, make sure these are on the site or added as docs:
- Lines of business pages: auto, home, renters, umbrella, commercial
- The list of carriers you're appointed with
- Claims page with each carrier's claims number and your after-hours steps
- Service request pages: certificates of insurance, ID cards, adding a driver or vehicle
- Payment and billing contacts for each carrier
- Office hours, service area and the states you're licensed in
- 2
Answer the 12 questions
Copy the questions above, paste them into ChatBento as Q&As and write your answers. These are what visitors ask first, so a clear answer here covers most chats.
- 3
Set the greeting and handoff
Add the email that receives handoffs and a greeting that sets expectations, for example: “Hi! Ask about the coverage we offer, the carriers we work with or how to report a claim. A licensed agent handles quotes and policy changes.”
- 4
Paste one line on your WordPress site
Many independent agencies run WordPress sites, often set up by an insurance website provider. The install guide shows where the snippet goes.
Install on WordPress
What it answers, and what it hands to you
Hand these to a person
The chatbot collects the visitor's name and email or phone, then sends you the whole conversation.
- Every quote request: the chatbot collects details for a licensed agent
- Adding, removing or changing anything on a policy
- Whether a specific loss, driver or situation is covered
- Open claims and disputes with a carrier
- Cancellations, lapses and non-renewal notices
No coverage advice, and nothing is bound in chat
Only a licensed agent can quote, recommend coverage or bind a policy, and only the carrier decides a claim. The chatbot describes the lines you write and how your process works; it never says someone is covered, confirms a policy change, gives a premium or tells someone which limits they need. Make it clear that nothing is in force until an agent confirms it in writing, and have it send every quote, change and claim question to your team.
This is general guidance, not legal advice. ChatBento answers only from the content you give it, and says so when it doesn't know.
Which plan fits insurance agents
Typical volume: 150 to 600 AI replies a month. An independent agency with 2,000 to 5,000 site visits a month, where 3 to 4% of visitors open the chat and ask about three questions each, with spikes after storms and at renewal time.
Start on the Free plan (50 messages a month) to try it, then move up when the chat gets busy.
Insurance agents questions. Answered.
Can the chatbot give insurance quotes?
No. Premiums depend on underwriting, so the chatbot collects what your agent needs, like vehicles, drivers, property address or type of business, and passes it on. A licensed agent prepares and explains the quote.
What happens when someone asks if they're covered?
It says it can't confirm coverage, because that depends on the policy wording and the carrier's decision. It gives the claims number from your pages and offers a callback from an agent.
Can it handle certificate of insurance requests?
It explains how to request one, links to your request form and collects the details your team needs. Your staff still issue the certificate from your agency management system.
Does it work for an agency that writes with many carriers?
Yes. Train it on your carrier list and each carrier's claims and billing contacts, and it points policyholders to the right one instead of making them hunt for it.
How much does an AI chatbot for insurance agents cost?
ChatBento has a Free plan with 50 AI messages a month, then Hobby at $8/month (2,000 messages), Standard at $30/month (10,000 messages), Pro at $100/month (40,000 messages). At typical volume for insurance agents, 150 to 600 AI replies a month, Hobby at $8/month covers it. Every account starts with a 14-day free trial, no card required.
Related industries
- AI chatbot for mortgage brokers“Do you offer FHA, VA and USDA loans?”
- AI chatbot for real estate agents“Is the house on Birch Lane still available, or is it under contract?”
- AI chatbot for accountants“Are you taking new individual tax clients this season?”
Use cases for insurance agents
- Lead captureTurn website questions into leads. An AI chatbot answers from your content, then collects a name, email and note when a visitor wants follow-up, and emails you the lead with the full conversation.
- Human handoffLet your AI chatbot pass complex or sensitive conversations to a person. Visitors leave their details, and your team gets the full conversation by email, without anyone repeating themselves.
Terms to know
Answer visitors while you're closed. Free to start, then from $8 a month.
14-day free trial. No card required.