Phone agentprimary
First-contact calls, damage reports, contract adjustments 24/7. Integration with common broker software (AMS, easyMakler) via webhook.
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ForInsurance brokers
Report a claim at midnight.
Quote inquiry on Sunday.
Insurance brokers work in advisory meetings; the customer with water damage reaches out anyway, by phone, by email, in chat. AI agents capture claim reports in structure, pre-qualify quote inquiries, and answer contract questions from your knowledge base. The broker stays in the conversation.
Get startedIn short
The rinqo AI agent for insurance brokers answers calls around the clock, takes structured claim reports (date of loss, course of events, parties involved, claim amount), qualifies quote inquiries by line and need, and escalates to you or directly to insurer hotlines. From the same stored company knowledge, rinqo answers enquiries from chat, the web form and the inbox and gives the team on the ground what it needs.
The situation
The DIHK intermediary register lists 46,951 insurance brokers licensed under § 34d GewO as of 1 January 2026, plus 98,307 agents tied to a single insurer. A brokerage handles claims and contract questions side by side, and both arrive in waves: after storms and hail, at quarter-end, when premiums are adjusted. That is exactly when the adviser is in a meeting, and a claim still needs to be recorded properly. The rest are standard service questions. An AI agent triages reliably, the broker stays in advisory meetings. The same stored knowledge carries every channel you switch on, and answers the questions your team would otherwise pass along.
Where it pinches
- Claim reports after a storm weekend: 50+ calls Monday morning, the phone collapses.
- Quote inquiries need pre-qualification (line, need, existing), first calls cost 15+ minutes.
- Existing-client inquiries about contracts and bonuses block advisory slots.
- Insurer hotlines with wait times of 20-40 minutes frustrate customers.
- Cross-sell opportunities from standard inquiries often go unnoticed.
One knowledge base, every channel
Where rinqo works for Insurance brokers
Email agent
Standard inquiries on premium adjustments, cancellations, claim forms. Complex cases (disputes, litigation) escalated.
Explore email solutionChat agent
Answers first questions on insurance lines and documents on the website and turns visitors into consultation appointments with complete contact details.
Open chat agentPersonal agent
Tariff details, portfolio processes and wording help for client letters, queried from your own records instead of searched in folders.
Open personal agentMarketing agent
Clear explanations of insurance topics, seasonal reminders and an introduction to you as a broker for social media and your own site, in your voice. Show advisory competence without the jargon.
View marketing agentHow rinqo solves this
Phone, chat, email from one source
Claim reports come classically by phone, quote inquiries increasingly by chat (on the broker website), contract updates by email. The agent is identical across every channel, with your line expertise and your tone.
The same knowledge, wherever it is asked
Lines (private, commercial, life, health, motor, liability, property), common claim schemes, insurer rates, cross-sell triggers. The agent quotes from your knowledge base and insurer PDFs. Concrete tariff recommendations stay with you. The same applies to every channel you switch on, and to your team looking it up instead of asking around.
It records structured
On claim: date, course, parties, claim amount, insurer, policy number, all into your broker software (MIS, AMS, MVP, Comzept) via webhook. On quote inquiry: line, need, prior contract, risk profile. Lead record created, appointment or callback arranged.
What the agent handles
- Structured claim reports (private, motor, commercial, property)
- Pre-qualify quote inquiries (line, need, prior contract)
- Answer contract inquiries and portfolio updates
- Compensate insurer hotline frustration (direct takeover)
- Identify cross-sell triggers (e.g. building inquiry → property update)
- Appointment booking for advisory calls in the broker calendar
- Emergency escalation on major losses (fire, natural catastrophe)
- Look internal knowledge up on the spot instead of asking around
- Turn references and vacancies into on-brand posts
Our recommendation
The biggest lever in the broker office is claim triage and lead pre-qualification. The phone agent records structured claims and qualifies quote inquiries by line and need, the broker only gets actually active matters on the desk. The knowledge behind it then carries the other channels and the questions asked internally.
GDPR in insurance
Broker offices process particularly sensitive data: contract data, claim histories, health and asset information. rinqo hosts all data in Germany and is fully under data processing agreement under Art. 28 GDPR. Insurer-specific compliance (e.g. VVG, business secrets) stays with the broker.
- EU hosting (Hetzner Falkenstein/Nuremberg), data processing entirely in the EU
- Connection to MIS, AMS, MVP, Comzept on request
- Claim data is only stored in the contract record, not in AI training
- Configurable retention on transcripts (default 90 days, chat and email up to 10 years, phone up to 365 days)
- AI Act Art. 50: AI voice marker mandatory from 02 August 2026, built-in
Frequently asked questions
Founder, rinqo
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.
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Specifically the phone agent for Broker?
Detailed call flows, software integrations, and emergency triage logic, in one place.
Phone agent for Insurance brokersClaim reported Sunday 11 PM. Processed by Monday 8 AM.
Try the broker assistant with your lines, your broker software and your on-call plan. The same knowledge answers chat, enquiries from web and inbox, and your team's questions.
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