Insurance AI. Claims taken. Policyholders answered. Staff freed.
An autonomous agent for insurance agencies, MGAs, carriers and TPAs. It takes first notice of loss around the clock, gathers photos and documents, answers policy and billing questions, captures service and quote requests, and keeps claimants updated — while your licensed staff own every coverage and claim decision.
AvailableWhat is an insurance AI agent?
An insurance AI agent is software that handles the routine contacts of an agency, carrier or TPA on its own: taking first notice of loss (FNOL) around the clock, collecting photos and documents, giving claim-status updates, capturing policy-service and quote requests, and sending renewal and payment reminders. Tribe's Insurance AI does the admin, while licensed staff and adjusters own every coverage and claim decision.
Updated
| Status | Available — built and ready to deploy for you |
|---|---|
| Best for | Agencies and claims teams with heavy FNOL, claim-status and policy-service volume |
| Channels | Phone, SMS, email, web chat and customer portal |
| Hours | 24/7 for FNOL; service hours set by you |
| Languages | English and Spanish |
| Works with | Your agency management or policy administration system, claims platform, CRM, telephony and email. |
| A person takes over when | Coverage questions, disputes, injuries, distressed claimants and anything that needs a licensed professional |
| Security | SOC 2 Type II, and PCI DSS where payment data is involved. |
| Platform | Runs on TIOS; built by CodingKey |
The work, done.
Real situations it handles.
A storm-night surge
Hundreds of policyholders report damage at once. The agent takes every FNOL in parallel, collects photos by text link and logs each loss for your claims team — no busy signals.
'Where is my claim?'
Claimants get status updates from your claims system on any channel, and are told exactly what is still needed from them.
Certificates of insurance
Requests for certificates, ID cards and proof of coverage are captured with the details and prepared or routed according to your process.
Quote intake
Prospects' details for auto, home or commercial quotes are gathered and handed to a licensed agent, ready to quote.
Renewals and payments
Policyholders get renewal and payment reminders on time, with questions routed to your service team.
Document chasing
Open claims waiting on estimates, receipts or statements get polite, persistent follow-up until the file is complete.
A first notice of loss after a storm, handled.
Reported
A policyholder calls at night: a tree has come down on their roof.
Policy found
The agent identifies the policy using your verification rules.
Details captured
It records the date, location, damage and whether anyone is hurt, and texts a link for photos.
Logged
The loss is logged in your claims system — or sent to your team — and the policyholder receives a reference.
Next steps
It explains what happens next, following your script. Adjuster assignment and every decision stay with your team.
Example for illustration — not a real customer conversation.
Plugs into your stack. Keeps humans in control.
Integrates with
Your agency management or policy administration system, claims platform, CRM, telephony and email.
What stays human
Coverage advice, binding, underwriting and every claim decision stay with your licensed staff and adjusters. Complex, disputed or distressed claimants go to a person.
Compliance. SOC 2 Type II, and PCI DSS where payment data is involved. See our security & compliance →
Why it matters now.
In the NAIC's 2022–23 home-insurer survey, 136 of 194 responding companies — about 70% — used, planned to use or planned to explore AI or machine learning.
U.S. employment of claims adjusters, appraisers, examiners and investigators is projected to decline 6% from 2025 to 2035.
Third-party figures, linked to their sources. They describe the industry, not Tribe's results.
What it takes, and what you can measure.
What you get: Round-the-clock FNOL, fewer 'where is my claim?' calls, faster claim handling, and licensed staff focused on advice and sales instead of admin.
What we need from you
- FNOL question sets by line of business
- Access to your agency-management, policy or claims system — or how you want FNOL sent
- Which service requests the agent may complete and which it captures for staff
- Escalation rules for injuries, large losses and disputes
- Your greeting and any required disclosures
What you can measure
- FNOL reports taken, by hour and line of business
- Claim-status contacts handled without staff
- Documents collected for open claims
- Service requests captured and completed
- Quote requests passed to licensed agents
- Handoffs to a person, and why
Reported through TIOS. Tribe measures results on your own data rather than promising numbers up front.
The agent executes. Your people decide.
The agent handles the repeatable, high-volume work; your people own the decisions that matter. Human-in-the-loop escalation, full audit trails and security by default — built by CodingKey and proven in Tribe's own live operations before it reaches you. See our security & compliance.
Human. AI. Or both — your call.
Run it as an AI agent, keep it fully human, or blend the two — you choose the mix, and change it as your confidence grows.
People and AI together — your call. Agents handle the volume, your specialists own the moments that matter. Start where you like, and shift the mix as your confidence grows.
Where this fits in our services.
Often deployed alongside.
Insurance AI, answered.
How is AI used in insurance claims?
Will AI replace insurance agents?
How can insurance agents use AI?
What is first notice of loss (FNOL)?
Does Insurance AI give coverage advice or bind policies?
Can it take first notice of loss after hours?
Who is Insurance AI for?
Is Insurance AI secure?
How much does Insurance AI cost?
Put this agent to work.
Tell us the workflow. We'll deploy an agent that runs it — with your people in control.