Hours of office work, done in minutes of talking. Even when you're across the table from a commercial client.
Every call gets answered and moved forward while you're with clients: the new homeowner who needs a quote by Friday, the contractor who needs a certificate for a job tomorrow, the client who just had a fender bender. Quoting details, renewal reminders, proposal follow-ups and cross-sell check-ins go out on their own. It's a 24/7 AI Office Manager you run by voice, between client visits.
- From $49/month
- No annual commitment
- Keeps your own number
- Reminded nine clients about renewals coming up this month
- Logged a new auto claim for Mr. Haddad and sent him the carrier's claim line
- Home-and-auto proposal for Ridge Road, waiting for your OK
Where an independent agency loses policies
Insurance shoppers collect several quotes and go with whoever makes it easy. Your existing clients call with service requests that can't wait. In a small agency, the same few people handle both, so new business and renewals slip while service calls get answered.
of all property and casualty insurance written in the U.S. in 2025 was placed by independent agencies. The channel is strong; the race is for response time.
Big "I" 2026 Market Share Report 1quotes is the average auto insurance shoppers now collect, the highest in the study's history. Slow follow-up hands the policy to someone else.
J.D. Power 2026 U.S. Insurance Shopping Study 2of independent agencies are small, with under $150,000 in revenue. That's a principal and maybe one CSR handling everything.
Big "I" 2024 Agency Universe Study 3What it does for an independent agency
It isn't an answering service. Calls are one job out of many. It's an AI Office Manager that does the office work itself, around the clock, and checks with you on anything that matters.
- Answers and gathers quote detailsIt picks up every call and web request, asks your quoting questions (drivers, vehicles, prior carrier, property details, business operations), and has a complete file ready so you can run the quotes.
- Sends proposals and follows upSay which carriers and premiums to present, and it sends your proposal, answers the questions you've prepared and follows up until the client binds or declines.
- Handles service requestsIt takes requests to add a driver, change a vehicle, update a mortgagee or issue a certificate of insurance, sends them to you or the carrier in the format you use, and tells the client when it's done.
- Runs renewals and remarketingIt reminds clients before renewal, flags big premium increases you want to remarket, books review calls and sends the renewal documents you approve.
- Takes first notice of lossWhen a client calls about a claim, it gathers the facts you've listed, gives them the carrier's claim line and what to do next, and tells you right away.
- Cross-sells and rounds out accountsIt notices clients with auto but no home, renters or umbrella with you, and sends a check-in in your words offering a quote, so the account doesn't leak to a direct writer.
- Chases payments and paperworkIt reminds clients about agency-billed payments due through your own Stripe, QuickBooks or Xero, collects signed applications and missing documents, and tells you what's outstanding.
And the rest of the office
Beyond the work above, it runs the everyday office for you, and you run it by talking to it.
- Answers calls 24/7
- Books jobs on the live call
- Calls back missed calls
- Texts customers and crew
- Reads and replies to email
- Runs your calendar
- Quotes and estimates
- Invoices
- Payment reminders
- Follows up on open quotes
- Orders from suppliers, even on their websites
- Asks for reviews
- Spoken daily briefing
- Asks before anything that matters
- Undo window on what it sends
- Hands-free voice, between client visits
How it handles a quote request, then a proposal
Two example conversations, written to show how it works. They are not recordings of real customers. The first is a new homeowner calling at 5:35 pm. The second is you, the next day, between client visits.
5:35 pm: a new homeowner calls
1:15 pm next day: you, between client visits
You stay in charge
It works for you, not around you.
You set the rules
Tell it, in plain words, what needs your OK first: prices over a set amount, new customers, anything you like.
Undo before it goes
Emails, texts and invoices wait in a short undo window before they leave.
Your number, your line
Calls and texts run on your own Twilio or Telnyx account. You keep the number.
Honest with callers
If anyone asks, it says plainly that it's an AI Office Manager for your business.
What is the office work costing you?
Answer a few questions about your calls, quotes and invoices. You'll see the hours you'd get back each week, the work you'd keep, what an office hire would cost instead, and which plan fits. Every assumption shows its source, and you can change it.
Priced below a part-time office hire
Start on your own, or hand over the whole office. Each plan adds seats for your team, more capacity and faster processing. Most owners pick Growth.
Office admin: BLS median receptionist pay of $18.27 an hour plus required payroll costs, about $41,800/year 4.
Starter
or $35/mo billed annually, founding price
To try it on your own, at low volume.
- The 24/7 AI Office Manager: calls, quote intake, proposals, service requests, renewals, claim intake, payment reminders, email and texts
- 1 seat (just you)
- Standard monthly capacity
- 1:1 setup call, booked right after checkout
- +10% capacity on founding annual billing
- Upgrade required for additional usage
- Instant AI callback on every lead Growth
- AI call summaries and transcripts Growth
- Jobber sync and morning crew texts Growth
- Priority processing Growth
- Connect your own AI tools (MCP) Growth
Growth
or $79/mo billed annually, founding price
3 seats for about $33 each, against $49 for Starter's one.
Everything in Starter, plus:
- Instant AI callback on every lead
- AI call summaries and transcripts
- Jobber sync
- Each crew member texted their jobs every morning
- 3 seats: you, your account manager and a CSR
- Share the plan your way: one pool for everyone, or set each person’s share
- More monthly capacity than Starter
- Purchase additional usage
- Priority processing
- Connect your own AI tools over MCP
- +20% capacity on founding annual billing
Scale
or $299/mo billed annually, founding price
About $13/day, against about $115/day for an office hire.
Everything in Growth, plus:
- CRM with power dialer
- Dispatch board with auto-reassign
- End-of-day crew summary
- AI call tags and voicemail transcripts
- Leads texted to you
- SEO, AEO and GEO for your site
- Weekly reports
- Auto-replies to 5-star reviews
- Custom site edits
- 10 seats for the whole team
- Share the plan your way: one pool for everyone, or set each person’s share
- The highest capacity, to run the whole office on it
- The fastest processing tier
- Extra seats $24/mo instead of $29
- +30% capacity on founding annual billing
- Add Do It For Me any time: we run it for you (custom quote)
Every plan includes a 1:1 setup call, booked right after checkout. Extra seats are $29/mo on Starter and Growth, $24/mo on Scale. Move up a plan any time: your new month starts that day, and the unused part of your old plan comes off the first charge. Annual founding prices add the extra capacity shown for as long as you stay. You bring your own Twilio or Telnyx account for calls and texts; we don't sell phone numbers.
Questions independent agents ask
Is this just an answering service?
No. Answering calls is one thing it does. It's a 24/7 AI Office Manager that does the office work itself: it collects quote details, sends proposals and follows up, handles service requests and certificates, runs renewals, takes first notice of loss, cross-sells, chases payments, handles email and texts, and tells you what it did.
Can it bind coverage or give coverage advice?
No. It gathers information, sends the proposals and documents you approve and books time with you. Binding, coverage recommendations and anything about whether a loss is covered stay with you and your licensed staff.
Can it issue certificates of insurance?
It takes the request, collects the certificate holder's details and sends it to you or your team in the format you use. If you keep certificate templates it can fill, it prepares them for your approval before they go out.
Does it work with my agency management system?
It works through your email, calendar, texts and invoicing (Stripe, QuickBooks or Xero), and through carrier and agency web portals where it can. How it fits with your agency management system depends on the system, so we look at that with you on the setup call.
Do I have to change my phone number?
No. You connect your own Twilio or Telnyx account and your agency number runs through it. We don't sell or provide numbers, so the line stays yours.
Will clients know they're talking to an AI?
If anyone asks, it says so plainly. When a client wants you personally, it takes the details and lets you know right away, or puts them through if you've said to.
How does setup work?
Tell it how you work in plain words, out loud or typed: the lines you write, your quoting questions, your carriers' claim numbers, your hours and what needs your OK. Every plan includes a 1:1 setup call, booked right after checkout: in about 30 minutes we connect your email, calendar, invoicing and phone line with you and check it works the way you do. After that, you change anything by telling it.
Which plan should I pick?
Most agencies pick Growth. You get 3 seats, so your account manager and a CSR each get their own login, and when renewal season pushes past your capacity you can purchase additional usage on the spot (Starter requires an upgrade). Starter is the entry plan for a solo agent trying it at low volume. Agencies with several producers and a service team that hand over the whole front office get the most from Scale: 10 seats, the highest capacity and the fastest tier. You can move up any time: your new month starts that day, and the unused part of your old plan comes off the first charge.
Hear it answer and book a quote on your own phone
Unmanually is an AI Office Manager that works 24/7 and that you run by voice from your phone. Leave your mobile number and the AI Office Manager calls you right away, the same way it would call back one of your customers. That call is the demo: it answers, books you a 15-minute time with the founder and follows up.
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Hours of office work become minutes of talking. Your AI Office Manager works 24/7, and you run it hands-free between jobs.