AI agent for insurance agencies: Automate renewals and capture leads.

Frosty Agent is the digital frontline for your insurance brokerage. Deployed on your website and WhatsApp, it answers coverage FAQs, guides clients through the initial steps of filing a claim, and sends automated reminders for policy renewals. It qualifies new leads by collecting basic risk data before handing them to a licensed broker.

Published: Aug 29, 2026Updated: Aug 29, 2026

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Why are insurance brokers bogged down?

Clients constantly call to ask what is covered under their policy, forcing brokers to dig through PDFs.

When an accident happens outside business hours, clients panic because they can't get immediate claims advice.

Chasing clients via email to renew their expiring policies yields terrible response rates.

Prospective clients abandon your website because they don't want to fill out a massive 20-field quote form.

Following up with cold leads who requested a quote last month takes too much manual effort.

Did you know?

62 percent

of policyholders prefer to handle simple tasks like checking coverage and renewing policies via WhatsApp rather than calling a broker

Source: Global Insurance Consumer Report, 2025

What does our AI agent for insurance agencies do?

Frosty handles the admin so your brokers can sell.

Before the sale

Answers general coverage questions based on your uploaded policy brochures

Captures new leads by conversing naturally rather than forcing them to use a web form

Qualifies the prospect by asking basic risk questions (e.g., age, occupation, asset value)

Books consultation calls directly into your brokers' calendars

What real insurance queries can Frosty handle?

These are the calls your agency gets every single day.

Frosty Assistant

Online

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Who is this built for?

Who uses Frosty

Independent Insurance Brokers

Firms selling P&C, Health, and Life policies from multiple carriers.

MGA (Managing General Agents)

Agencies handling complex underwriting queries and broker support.

Specialty Insurance Providers

Niche providers needing custom qualification flows.

The Advantage

Why they choose us

Never Invents Coverage

Frosty strictly uses the policy PDFs you upload. It will never guarantee a claim is covered.

24/7 First-Line Claims

Give your clients peace of mind when disasters happen outside of business hours.

Higher Renewal Rates

WhatsApp reminders have a 90% open rate compared to easily ignored emails.

Converts More Leads

A conversational chat converts much higher than a static 20-question quote form.

Getting started

From your first document upload to a fully deployed agent — a structured process that gets it right.

Upload your policy summaries

Feed Frosty your coverage rules and exclusions.

Set qualification rules

Define what data Frosty needs to collect before a broker takes over.

Go live

Deploy on your website and WhatsApp.

Pricing

Plans start at $199 a month, with no setup or onboarding fee. Seven-day free trial, no card needed.

View full pricing

What do insurance agencies ask?

Yes. While it doesn't adjudicate claims, Frosty drives insurance claims automation AI by collecting the initial incident details, providing the document checklist, and routing the data to your claims team instantly.

Yes. Frosty connects to your CRM and can automatically trigger WhatsApp messages 30 or 60 days before expiration, serving perfectly as a policy renewal reminder bot.

Yes, Frosty automatically detects the language and replies fluently, making it ideal for agencies serving diverse communities.

Absolutely. Frosty replaces high-friction web forms with natural conversation, capturing risk data and acting as a powerful broker lead generation chatbot.

No. Frosty is strictly locked to your uploaded documents and is programmed to advise clients that 'all claims are subject to adjuster review' to prevent Errors & Omissions exposure.

Yes, Frosty can push all captured lead and conversation data directly into standard CRMs and AMS platforms via webhooks.