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.
The situation
The German Federal Association of Insurance Professionals counts about 46,000 independent insurance brokers and agents in Germany in 2025. A typical broker office with one to five advisors manages 800 to 4,000 active contracts and receives 100-300 calls per week, with clear peaks Monday morning (claim reports from the weekend), quarter-ends (adjustments) and after natural events (storm, hail). 30-40 percent of calls are claim reports that must be recorded structured. 25-35 percent are quote and contract inquiries, often cross-sell opportunities. The rest are standard service questions. An AI agent triages reliably, the broker stays in advisory meetings.
Where it hurts
- 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.
How 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 all three channels, with your line expertise and your tone.
It knows your portfolio
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.
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)
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.
All channels for this industry
What Rinqo offers for Insurance brokers
Email agent
Standard inquiries on premium adjustments, cancellations, claim forms. Complex cases (disputes, litigation) escalated.
Explore email solutionGDPR 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), no US cloud in the data path
- Connection to MIS, AMS, MVP, Comzept via OAuth or webhook
- Claim data is only stored in the contract record, not in AI training
- Configurable retention on audio and transcripts (default 90 days, statutory 10 years)
- AI Act Art. 50: AI voice marker mandatory from 02 August 2026, built-in
Frequently Asked Questions
Written by
Sven Pflüger
Founder & CEO, Rinqo
Sven builds Rinqo from a simple observation: most AI tools are designed in San Francisco and sold in Berlin. The workshop in the Black Forest, the veterinary practice in Salzburg, the family hotel in Tyrol get software that doesn't speak their language. Rinqo flips that. On European servers, set up in ten minutes, in twenty languages. With templates built by the industries themselves.
Last updated: 2026-05-09
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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, live in 45 minutes.
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