Can the AI quote insurance premiums?

No. It never quotes premiums, binds coverage or gives coverage advice. It collects the details a licensed agent needs and books a quote call.

How does it handle a caller who just had an accident?

It tells anyone who is injured to call emergency services (911 in the US), gives the 24/7 claims number for their carrier from your list, and takes a message for your claims-help team, alerting you right away.

Can it separate personal and commercial lines?

Yes. It notes the line of business with every message and booking, so the right person follows up. Frontivo.io transfers to one office number on every phone plan.

Can it take policy-change and certificate requests?

Yes. It collects the policy details and the change needed, and saves a complete request for your service team.

Does it integrate with my agency management system?

On Growth, Frontivo.io can send every new lead, booking and service request to your other software through signed webhooks. Ask the team about your specific system.

What happens when a client asks for their agent?

Frontivo.io transfers the call to your office number. If nobody picks up, it takes a detailed message noting who the caller wants and alerts you right away.

Does it work with my existing agency number?

Yes. Forward your existing number to Frontivo.io, or get a new number. Clients keep calling the number they already know.

How much does an AI answering service for insurance agencies cost per month?

For an insurance agency, the price depends mostly on which channels your customers use and how many calls you get each month. Frontivo.io's Phone Only plan is $199/month with 300 AI voice minutes (about 100 calls), live call transfer and missed-call text-back. Starter is $299/month and adds website chat and texting; Growth is $549/month and adds Instagram, Messenger and email. Prices are in US dollars, there is no setup fee or contract, and every plan starts with a 14-day free trial with no card. See pricing.

Does it text back missed calls?

Yes. If someone calling your insurance agency hangs up or the call can't be answered, they get a text right away. Missed-call text-back comes with Phone Only, Phone Lite, Starter and Growth. On Starter and Growth the AI carries on the conversation by text; on Phone Only and Phone Lite, a reply to that text comes to you as an alert so you can answer from your own phone. Texting switches on after carrier approval for your number (every US business number needs it); outside the US and Canada texts use more of your allowance, so website chat, Instagram and Messenger usually cost less there.

Can it transfer an urgent call to me live?

Yes. When a caller to your insurance agency asks for a person or the call is urgent, Frontivo.io transfers it live to the one number your team chooses on Phone Only, Phone Lite, Starter and Growth, and the person picking up hears a short spoken brief before the caller is connected; time on the transferred call counts toward your minutes. Routing different calls to several people or departments is not available yet. Website Chat Only, Text Only, Instagram Only, Messenger Only and Email Only hand off with a detailed message and an instant alert instead.

Does Frontivo.io work for insurance agencies outside the US?

Yes. Frontivo.io serves insurance agencies in almost every country (the few we don't serve are listed on the countries page). Website chat and email work everywhere; for calls and texts you get a local number in 40+ countries (some with a monthly local-number fee shown before setup) or a US number in any other country we serve. WhatsApp is coming soon. The country-by-country table is at countries.

For insurance agencies

Insurance Agency Answering Service, Run by AI

Frontivo.io is a 24/7 AI receptionist and answering service for insurance agencies. It answers calls, website chats and texts in seconds, collects the details your agents need for auto, home, life and business quote requests, books policy reviews and quote calls on your calendar, takes policy-change and claim messages, and gives callers your carriers' 24/7 claims numbers. It never quotes premiums or binds coverage. All-in-one plans start at $299/month (Phone Only $199/month, Website Chat Only $149/month), and every plan starts with a 14-day free trial and no credit card.

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14-day free trial · No credit card · 14-day money-back on your first payment · Keep your number by forwarding it · What insurance agencies say

Answered in seconds

Hi, my auto policy is renewing and the price went way up. Can you give me a quote?

I can get that started for you. A licensed agent will prepare the quote. How many vehicles and drivers would you like covered?

Two cars and two drivers, me and my wife.

Thanks. What are the years, makes and models, and when does your current policy renew?

What can an AI receptionist do for an insurance agency?

Quote intake
Collects the details your agents need for a quote, like vehicles and drivers, property details or business type, so the producer can call back ready to quote.
Policy review and quote call booking
Books annual reviews, new-quote calls and renewal conversations at times your calendar shows as open, notes which agent the client asked for, and sends a confirmation.
Claims first steps
Gives callers the 24/7 claims number for their carrier from your list, takes a message for your claims-help team, and tells anyone with injuries to call emergency services (911 in the US).
Service requests
Takes messages for policy changes, adding a vehicle or driver, certificates of insurance and billing questions, and saves them for your service team.
Line-of-business notes
Notes whether each caller needs personal lines, commercial lines or life and health, so the right person on your team follows up.
After-hours coverage
Answers nights and weekends, when many people shop for insurance, and books a quote call for the next business day.
No quotes or binding
It never quotes premiums, binds coverage or gives coverage advice. Those always go to a licensed agent.

Real clients

What insurance agencies say about Frontivo.io

“Frontivo.io has been an absolute game-changer for our business. The AI receptionist handles routine calls seamlessly, ensures we never miss a lead, and sounds remarkably natural. Setup was straightforward, and our customers love how responsive it is. Highly recommend to any business looking to streamline their customer service!”

Feel Secure

Posted on Trustpilot

Read all reviews

Every quote is from a real Frontivo.io client who agreed to be named. We never write or edit reviews.

Why insurance agencies lose quotes to missed calls

People shopping for insurance often call several agencies and go with the first one that calls back with a quote. Your producers are on quote calls, your service staff are handling endorsements and certificates, and a new prospect gets voicemail. Existing clients calling after an accident want to know what to do next, and a slow answer hurts retention. A missed call can be a lost new policy or a frustrated client.

How does Frontivo.io handle an auto insurance quote request on a Sunday?

Prices and names are examples — Frontivo.io only quotes the prices and details you give it.

Caller
Hi, my auto policy is renewing and the price went way up. Can you give me a quote?
AI receptionist
I can get that started for you. A licensed agent will prepare the quote. How many vehicles and drivers would you like covered?
Caller
Two cars and two drivers, me and my wife.
AI receptionist
Thanks. What are the years, makes and models, and when does your current policy renew?
Caller
2021 Honda CR-V and 2018 Toyota Camry. It renews on the 15th.
AI receptionist
Got it. One of our agents can do a quote call Monday at 10:00 AM or 1:30 PM. Which works better?
Caller
1:30.
AI receptionist
Great. Can I have your full name and email for the booking?
Caller
Mark Sullivan, mark.sullivan@example.com.
AI receptionist
You're booked for a quote call on Monday at 1:30 PM. Please have your current declarations page handy. I've sent you a confirmation.

How do you set up an AI receptionist for an insurance agency?

1
Tell Frontivo.io about your agency: agents, lines of business, carriers and their claims numbers, hours and the details you collect for each quote type — type them in or import a page from your website.
2
Set your rules — how to tag personal and commercial lines, when to transfer to an agent, which appointments can be booked — then test every channel in the Channel Tester.
3
Forward your agency line (or get a new Frontivo.io number: in seconds in the US and Canada, after a documents check in most other countries) and paste one line of code to add the chat and voice widget to your website.

What to add to your knowledge base

Auto insurance quotes
Homeowners and renters insurance
Life insurance
Commercial and business insurance
Policy changes and endorsements
Certificates of insurance
Carrier claims phone numbers
Billing and payment questions

Works with the tools you already use

Your business phone number. Forward your existing line, or get a new number.
Google & Outlook Calendar. Checks live availability before it books, so slots aren't double-booked.
Website chat, text, Instagram, Messenger & email. One AI receptionist answers on every channel with the same knowledge (Instagram, Messenger and email are on Growth, or each on its own single-channel plan). WhatsApp is coming soon.
Zapier, webhooks and API. Send every new lead and booking to the other software your insurance agency runs on through Zapier, Make, signed webhooks or the API (on Growth). Google Sheets and Slack or Teams alerts work on every plan.

What are missed calls costing your insurance agency?

Adjust the sliders to your own numbers.

Missed calls per week10

Callers who would have booked25%

Average job value$1,200

Estimated extra revenue if those callers book

$12,990/month

Phone Only plan: -$199
Net per month: $12,791

Pays for itself after 1 job a month.

An estimate from your own numbers, not a promise. Prices in US dollars.

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Frontivo.io vs voicemail vs an answering service for insurance agencies

Voicemail
Cost
Free
Hours
24/7
Books on your calendar
No
Knows your urgent calls
No
Channels
Phone only
Human answering service (Ruby, Smith.ai)
Cost
Ruby from $250/mo for 50 minutes; Smith.ai from $300/mo for 30 calls
Hours
24/7
Books on your calendar
Often (Calendly or Google Calendar)
Knows your urgent calls
Follows your script
Channels
Phone; live chat or texts with some providers
In-house receptionist
Cost
About $4,500/mo in the US (median pay $38,010/yr plus benefits)
Hours
Business hours
Books on your calendar
Yes
Knows your urgent calls
Yes
Channels
One call at a time
Frontivo.io
Cost
From $99/mo for phone; $299/mo for phone, chat and text; usage included
Hours
24/7
Books on your calendar
Yes
Knows your urgent calls
Yes
Channels
Phone, chat, text, email, Instagram & Messenger WhatsApp is coming soon.

Swipe the table sideways to see every column →

Option	Cost	Hours	Books on your calendar	Knows your urgent calls	Channels
Voicemail	Free	24/7			Phone only
Human answering service (Ruby, Smith.ai)	Ruby from $250/mo for 50 minutes; Smith.ai from $300/mo for 30 calls	24/7	Often (Calendly or Google Calendar)	Follows your script	Phone; live chat or texts with some providers
In-house receptionist	About $4,500/mo in the US (median pay $38,010/yr plus benefits)	Business hours			One call at a time
Frontivo.io	From $99/mo for phone; $299/mo for phone, chat and text; usage included	24/7			Phone, chat, text, email, Instagram & Messenger WhatsApp is coming soon.

Sources: Ruby and Smith.ai pricing pages (checked November 10, 2026); US Bureau of Labor Statistics, Occupational Outlook Handbook: Receptionists (2025 median pay) and Employer Costs for Employee Compensation (June 2026, benefits 30% of compensation). US prices from the sources above; other providers and countries vary. Frontivo.io prices are in US dollars.

For insurance agencies the difference that matters most is speed to quote: Frontivo.io collects the quote details and books the call on first contact, so your producer calls back ready.

How much does an AI receptionist for an insurance agency cost?

Agencies can start on Starter ($299/month): phone, website chat and text, with 300 AI voice minutes (about 100 calls), 300 website chats and 300 AI text replies, plus live call transfer to your office number, appointment reminders and the Leads and Customers pages. Agencies that also want Instagram, Messenger and email choose Growth ($549/month) for every channel on sale, with 450 minutes (about 150 calls), 600 conversations and 500 text replies, plus follow-up texts for new leads and quote requests, and analytics. Calls and website chat work from day one; texting switches on after carrier approval for your number. Annual plans save 15%, extra usage is billed per unit or can be set to pause at your allowance, and every plan starts with a 14-day free trial with no card and no setup fee (your phone number is connected when you subscribe). Need just one channel? Phone Only is $199/month, and single-channel plans start at $99/month. Several locations or 1,500+ minutes a month? Talk to us about a custom plan. Prices in US dollars.

Compare all plans

FAQ

Insurance Agencies: FAQ

Straight answers about how Frontivo.io works for insurance agencies.

Still have questions?

Pick whatever's easiest. We're happy to help.

Ask our AI receptionistInstant answers, 24/7 Talk to salesTeams, locations, custom setups Email supportsupport@frontivo.io

No. It never quotes premiums, binds coverage or gives coverage advice. It collects the details a licensed agent needs and books a quote call.
For an insurance agency, the price depends mostly on which channels your customers use and how many calls you get each month. Frontivo.io's Phone Only plan is $199/month with 300 AI voice minutes (about 100 calls), live call transfer and missed-call text-back. Starter is $299/month and adds website chat and texting; Growth is $549/month and adds Instagram, Messenger and email. Prices are in US dollars, there is no setup fee or contract, and every plan starts with a 14-day free trial with no card. See pricing.
Yes. If someone calling your insurance agency hangs up or the call can't be answered, they get a text right away. Missed-call text-back comes with Phone Only, Phone Lite, Starter and Growth. On Starter and Growth the AI carries on the conversation by text; on Phone Only and Phone Lite, a reply to that text comes to you as an alert so you can answer from your own phone. Texting switches on after carrier approval for your number (every US business number needs it); outside the US and Canada texts use more of your allowance, so website chat, Instagram and Messenger usually cost less there.
Yes. When a caller to your insurance agency asks for a person or the call is urgent, Frontivo.io transfers it live to the one number your team chooses on Phone Only, Phone Lite, Starter and Growth, and the person picking up hears a short spoken brief before the caller is connected; time on the transferred call counts toward your minutes. Routing different calls to several people or departments is not available yet. Website Chat Only, Text Only, Instagram Only, Messenger Only and Email Only hand off with a detailed message and an instant alert instead.
Yes. Frontivo.io serves insurance agencies in almost every country (the few we don't serve are listed on the countries page). Website chat and email work everywhere; for calls and texts you get a local number in 40+ countries (some with a monthly local-number fee shown before setup) or a US number in any other country we serve. WhatsApp is coming soon. The country-by-country table is at countries.

Still have questions?

Pick whatever's easiest. We're happy to help.

Ask our AI receptionistInstant answers, 24/7 Talk to salesTeams, locations, custom setups Email supportsupport@frontivo.io

Keep exploring

Related industries

All industries

The features behind it

All features

Guides for insurance agencies

Your AI receptionist is ready

Answer calls 24/7.

Website chat can be live in about 15 minutes. In the US and Canada, call your AI on a free test number during the trial; your own number is connected when you subscribe. 14-day free trial, no credit card required.

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14-day free trial
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Several locations, a team, or a custom setup? Talk to sales

Insurance Agency Answering Service, Run by AI

What can an AI receptionist do for an insurance agency?

What insurance agencies say about Frontivo.io

Why insurance agencies lose quotes to missed calls

How does Frontivo.io handle an auto insurance quote request on a Sunday?

How do you set up an AI receptionist for an insurance agency?

Works with the tools you already use

What are missed calls costing your insurance agency?

Frontivo.io vs voicemail vs an answering service for insurance agencies

How much does an AI receptionist for an insurance agency cost?

Insurance Agencies: FAQ

01Can the AI quote insurance premiums?

02How does it handle a caller who just had an accident?

03Can it separate personal and commercial lines?

04Can it take policy-change and certificate requests?

05Does it integrate with my agency management system?

06What happens when a client asks for their agent?

07Does it work with my existing agency number?

08How much does an AI answering service for insurance agencies cost per month?

09Does it text back missed calls?

10Can it transfer an urgent call to me live?

11Does Frontivo.io work for insurance agencies outside the US?

Keep exploring

Related industries

The features behind it

Guides for insurance agencies

Answer calls 24/7.