Insurance brokerages receive many claim reports that have to be recorded in a structured way. Your agent records claims (date, course, amount, policy number), qualifies quote inquiries by line and need, and hands everything over to your team in a structured way.
Notice under EU AI Act Article 50:On the first ring, the agent says clearly: you're talking to an AI. Just ask, and the agent connects you to a human.How we use AI
What does the AI phone assistant do for insurance brokers?
The AI phone assistant for insurance brokers takes structured claim reports (date, course, parties, amount, policy number), qualifies quote inquiries by line and need, and hands them over by email to your team or by webhook to a connected broker platform.
EU-Sovereign · GDPR · AI Act
Made in Germany. Hosted in Europe. The AI processing stays in the EU too, without US providers.
GDPR-compliant on EU servers
All calls, transcripts and knowledge data are processed encrypted on Hetzner Cloud in Falkenstein and Nuremberg, with data processing in the EU. A DPA under Art. 28 GDPR is in place.
Hosting: Hetzner Online GmbH, Germany, ISO 27001:2022 certified (Falkenstein, Nuremberg)
AI processing runs with European providers in the EU, not with US corporations like OpenAI, Google or Amazon. No training on your data.
Speech recognition with EU processing and speech synthesis from a German provider, customers receive the named provider list in the dashboard.
Auto-deletion: 30 days default, adjustable up to 365 days depending on your package
AI Act Art. 50, met by default
From 2 August 2026 every AI system must disclose to end users at the start of the conversation that it is AI-based. rinqo makes this the default setting in every channel, from first contact.
Voice: mandatory disclosure as first audio frame, before any answer
Chat/Email: AI label in footer and subject
Synthetic audio will be machine-watermarked once Code-of-Practice (June 2026) ships
Penalty: up to €15M or 3 % global annual turnover, the lower amount for SMEs
Sources: GDPR Art. 28 + 32 · EU AI Act Regulation 2024/1689 · DSK guidance on artificial intelligence and data protection (German data protection conference, 2024). This overview does not constitute legal advice.
Why insurance brokers need an AI agent.
Brokerage calls cluster on Monday mornings (weekend claims), at quarter-end and after natural events (storm, hail). They include claim reports that have to go into the broker software in a structured way, tariff and contract inquiries with cross-selling potential, and standard service questions. An AI triage structures claims automatically and qualifies leads, while the broker team stays in advisory conversations.
50+ claim reports Monday morning after a storm weekend
Quote inquiries need 15+ min pre-qualification, block advisory slots
Insurer hotlines with 20-40 min wait frustrate customers
Cross-sell triggers from standard inquiries often go unnoticed
How the phone agent works for insurance brokers.
On a claim report your agent records structured: date, course, parties, claim amount, insurer, policy number and contact data. Handover by email to your team; MIS, AMS, MVP or Comzept can be connected yourself via REST API or webhooks, we set it up on request. On quote inquiry: line (private, commercial, life, health, motor), need, prior contract, risk profile, appointment or callback arranged. On major loss (fire, flood): call routed to the on-call number.
46,951
registered insurance brokers under § 34d GewO, as of 1 January 2026
The four questions every practice owner asks us before they start.
Does the agent violate §34d GewO intermediation rules?
No. The agent does not intermediate, it only records inquiries and qualifies. Concrete tariff recommendations, intermediation calls and comparison advice remain reserved for the broker, under §34d GewO and the duty to document advice.
Can the agent estimate claim amount?
No, that is your job as expert or the insurer's job. The agent only records the values stated by the caller in structured form. On major loss it escalates to you or on-call number.
What happens with storm/hail major loss events?
On sudden volume peaks the agent scales automatically (no human bottleneck). You can activate special texts ('We record all storm damage, callback within 24h') and store an extended on-call plan.
Frequently asked questions for insurance brokers.
MIS, AMS and MVP can be connected via REST API or webhook. You set up the connection yourself via rinqo's REST API and webhooks, or we do it for you on request.
The agent only records data the caller provides. Completeness and plausibility checks happen by you or the broker program. Transcripts are deleted after the configured retention period (default 90 days, maximum 365 days on the phone); anything you must keep longer, you take over into your broker program.
External secretarial services for broker offices: typically €4-8 per call, ~€1,000-2,000/mo at medium volume. A fixed monthly price instead of billing per call, and reachable around the clock.
Multi-channel for your industry
rinqo for Insurance brokers, all channels
Telephone, chat and email from one platform: business case, ROI, GDPR and integrations.
Founder of rinqo. Builds a company memory where an organisation's knowledge comes together and stays available, and the AI agents that work from it: on the phone, in the inbox, in chat, in marketing and in further roles. Writes here about bringing AI into companies, about data protection, and about what holds up in daily operation. Developed in Germany, processed in the EU, no US providers.
