Phone agentprimary
First-contact calls, damage reports, contract adjustments around the clock. Integration with broker software (AMS, easyMakler).
View template
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), takes quote inquiries by line and need, and puts the call through to the number you have set or passes the matter to you by email. 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 records these requests in a structured way, 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: the phone rings non-stop on Monday morning and is permanently busy.
- Quote inquiries need pre-qualification (line, need, existing), first calls cost 15+ minutes.
- Existing-client inquiries about contracts and bonuses block advisory slots.
- Long waiting times on insurer hotlines 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.
View agentChat agent
Answers first questions on insurance lines and documents on the website and turns visitors into consultation appointments with complete contact details.
View agentPersonal agent
Tariff details, portfolio processes and wording help for client letters, queried from your own records instead of searched in folders.
View 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 the tone you set. Show advisory competence without the jargon.
View 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. The agent answers from your knowledge base and your insurer PDFs. For life and health, which means health data, you sign a supplementary agreement before going live. 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
For a claim: date, what happened, parties involved, claim amount, insurer, policy number, captured as a case in the dashboard and sent by webhook to a system of your choice, with a direct connection to your broker software. For a quote inquiry: line, needs, previous contract, risk profile. A lead record is created, and an 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
- Take calls when customers can't get through to the insurer hotline
- Pass keywords you store on to you (e.g. building inquiry → check property cover)
- 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 structured claim intake and taking new inquiries. The phone agent records structured claims and qualifies quote inquiries by line and need, and you only get the matters that are actually active on your 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. The data sits on servers in Germany and is processed in the EU, with a DPA under Art. 28 GDPR. For health data, you sign a supplementary agreement before going live. Insurer-specific compliance (e.g. VVG, VAG) stays with the broker.
- EU hosting (servers in Germany), data processing entirely in the EU
- Connection to MIS, AMS, MVP, Comzept
- Claim data sits in the conversation and the case, 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 into the default greeting
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.
Last updated:
Sources
Channel deep-dive
Specifically the phone agent for Broker?
Call flows, integrations and forwarding rules, in one place.
Claim reported Sunday 11 PM. On Monday morning it is recorded and waiting.
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.
Get started