24/7 insurance agency answering service: keep your producers free for clients.

Google Calendar or Outlook holds the review appointments. Salesforce or HubSpot can receive quote, service, and loss-intake fields through Zapier. Zapier and signed webhooks carry the captured request details into other agency tools, with the caller attached.

Penny starts at $29 a month on Starter with annual billing. Pro at $99 adds the on-call schedule, so a call you send to a person reaches the agent on your rotation. Paid plans include monthly minutes; when you choose to keep answering past them, 60 more minutes are added at a time at the plan’s rate. The answering service cost guide compares plans, included minutes, and usage charges.

No. She captures the loss notice for your team. If you add the carrier’s 24-hour claims number to her answers, she gives it to a policyholder who wants to report directly and notes the handoff. Giving out that number does not submit a claim. Your office or the policyholder still needs to report it through the carrier’s process.

That she cannot tell them what is covered or what the deductible will come to, and that an agent goes through the declarations page with them on the callback. She writes the question on the notice, in the caller’s words, so the agent opens the call with it. The same answer applies to “is my policy still in force” and “will my rate go up.”

No. Quoting and binding stay with your licensed producers. On a quote call she captures the line, the current carrier, the renewal date, and for auto the drivers and vehicles, then books a quote review. A caller who wants a number on the phone is told the producer rates it and calls back at the booked time.

She takes the caller’s name, company, and callback number and passes the message to the agent. She does not confirm that the person they name is a policyholder, does not say which adjuster is assigned, and does not read back any detail of the loss. After a storm this is the call your account manager gets in many versions, and Penny gives every one of them the same answer.

She asks whether anything has been signed yet and records the answer on the notice, along with the contractor’s name if the caller has it. She gives no opinion on whether to sign, because an assignment of benefits or a contingency agreement is a conversation for the agent. The question goes to the top of the notice so the producer addresses it first on the callback.

She captures it. The certificate holder’s name and address, the job or event date, and whether additional-insured or waiver-of-subrogation wording is being asked for go into a certificate request for your account manager, with the caller’s number on it. She tells the caller the office issues certificates during business hours and does not promise a turnaround time.

She never takes a payment or a card number. She captures what the caller is asking, whether a payment posted, whether a policy is due to cancel, how to change the draft date, and takes it down for your account manager as a service request. If you give her the carrier’s payment line, she reads it to callers who want to pay by phone tonight.

She captures both. For an endorsement she records the vehicle’s year, make, model and VIN, or the name of the driver to add, and the requested effective date. Driver’s license numbers and dates of birth are collected by the account manager, who handles the licensed work. For a loss run she records the named insured, the policy years wanted, and where to send it. She promises no effective date and no turnaround, because authorized agency staff must confirm the request and any carrier action.

Immediate danger gets emergency guidance, including 911 when required, before insurance intake. Once the caller is safe, Penny records the reported loss, emails you, and transfers to your on-call agent if you turn that on for the rule. Your agent reviews the notice and next steps; capturing it does not file a carrier claim or confirm coverage.