Turn Inbound Questions Into Bound Policies — Without Phone Tag or Lead Decay
The moment a prospect calls about a quote request or coverage question — and within seconds has a confirmed next step, pre-qualification captured, and the right producer looped in, without front desk scrambling.
Recommended starting point:Foundation Package
The Problem
Insurance agencies don't lose business because of pricing — they lose it in the Response Gap. Prospects reach out when a life event creates urgency: buying a home, adding a teen driver, renewing a policy after a rate hike. Calls go to voicemail during appointments, emails sit unanswered, and web forms drop into CRMs with no immediate response. Meanwhile, the prospect gets quoted by two other agencies within the hour. Front desk staff and producers are buried in repetitive questions: 'Do you write in my state?' 'Can you beat my current rate?' 'Do you take high-risk drivers?' 'Is this for personal or commercial?' Without a system to instantly capture intent, pre-qualify risk, and route the inquiry correctly, agencies waste licensed time on unqualified leads while high-fit prospects move on.
System Architecture
Meet Your New Team
Operator isn't just software. It's a verified swarm of specialized AI agents working in concert to run your operations.
Intake Specialist
Routing Manager
Engagement Lead
Policy Expert
System Logic: Inbound inquiry received via phone or web
Intake Specialist
Qualifies intent and gathers core requirements.
Policy Expert
Checks internal SOPs for case-specific compliance.
Routing Manager
Assigns to appropriate department with full context.
Engagement Lead
Schedules automated follow-up sequence.
Where Most Agencies Start
Most insurance agencies begin with the Foundation Package, which installs the core private infrastructure required to run Operator locally — keeping prospect and policy data on your hardware, not scattered across cloud tools.
What's Included
- Operator Node (Mac Studio) — on-prem runtime (as scoped)
- OperatorOS activated (control plane app)
- Core Stack (Lite) included — baseline intake → routing → handoff loop
- One HQ deepened beyond Lite mode (e.g., Voice or Data/RAG)
What It Can Do
- Answer inbound inquiries 24/7 so no quote request waits overnight
- Capture Prospect DNA: Personal vs commercial, coverage type (Auto, Home, Life, Health, Commercial), state and basic eligibility signals
- Route inquiries to the correct internal lane (Personal Lines vs Commercial vs Life)
- Generate a clean intake summary for licensed staff to review
What it intentionally does NOT include: Policy recommendations or coverage advice. Real-time carrier quoting or underwriting decisions. Claims handling or binding authority. The Foundation Package establishes availability and ownership. It stops the 'missed quote' problem — but it does not optimize conversion yet.
Capability Expansion Path
HQ Pro for Insurance applies niche-aware logic designed for insurance sales motions. This includes Risk-Aware Intake, separating standard vs non-standard risks, personal vs commercial exposures, and immediate bind requests vs exploratory quotes.
HQ Pro is built from proven insurance workflows, guardrailed for reliability, and not bespoke.
Operator HQ represents the Full Agency Sync. Voice, Sales, Ops, Data, and Marketing HQs share context. For insurance agencies, this typically includes:
Marketing signals inform intake priority, Sales sees full prospect history, and Ops maintains clean handoffs without re-asking questions.
Custom Operator is the 'Agency Operating System' — designed for multi-state agencies, MGAs, or specialized verticals (construction, trucking, healthcare).
This includes bespoke workflows, private knowledge layers, and deep integration with internal agency processes. This is not a template — it is built around how that agency actually operates.
Every tier reduces the Response Gap — higher tiers add risk awareness, coordination, and ultimately full-agency control.
Outcomes (Modeled / Typical)
Practices deploying Operator may experience:
Outcomes vary by deployment level and configuration.
Pricing Notes
Packages cap scope, not capability.
Operator does not provide policy recommendations, coverage advice, underwriting decisions, or claims handling. Capabilities depend on deployment, configuration, and existing systems.
Examples only. Capabilities vary by scope, data quality, and integrations. Not legal, medical, or financial advice.
Ready to Deploy?
See how OperatorHQ can work for your specific needs.