Insurance operations,
handled.
policy to renewal, covered.
We deploy AI operations teams for insurtech platforms and brokers — managing policy onboarding, claims query triage, renewal communications, and compliance documentation so your team can focus on underwriting and relationships.
Policyholders who don't understand, don't renew.
Three operational failures that drive cancellation and lapse in insurance — and none of them are product problems.
Policies cancelled in the first year
Year-one policy cancellation in India averages 36–40%. The primary driver is not price — it's confusion. Policyholders who don't understand their coverage, claims process, or communication timeline are 3x more likely to cancel. Structured post-sale onboarding directly reduces this.
Average first response on claims queries
A customer with an active claim is your most vulnerable customer. The average claims query takes 4.8 hours to receive a first response. In those 4.8 hours, the customer has formed opinions about your brand that affect renewal — regardless of how well the claim is ultimately resolved.
Average cost of a lapsed policy
The cost of a lapsed policy — including renewal outreach, lost premium revenue, and reacquisition cost — averages ₹25,000 per policy in the retail segment. Structured renewal sequences reduce lapse rates by 34%. The maths clearly favour automation.
There is a third option.
And it does not require hiring.
Five ops functions. One policyholder operations team.
From policy issuance to renewal confirmation — every policyholder operation that doesn't require underwriting judgment.
Policyholder Support
Claims status, coverage clarification, document requests, payment queries, and nomination changes — all handled with core policy system integration. Resolves 74% without escalation to your ops or compliance teams.
Policy Onboarding
Welcome sequences, coverage explanation, claims process guide, first-payment confirmation, and 30-day check-in — all automated from policy issuance. Year-one cancellation rate drops by 28%.
Compliance Documentation
Policy wordings, Key Information Documents, exclusion guides, and product disclosure statements — always current, updated within 72 hours of any IRDAI regulatory change or product update.
Insurance Content
Educational articles, product explainers, claims guides, and insurance literacy content — building trust with a category that consumers historically approach with scepticism. Every piece is compliance-reviewed before publication.
Renewal & Retention
Renewal reminders starting 90 days before expiry, lapse re-engagement flows, post-claim follow-up for policy continuation, and loyalty communications for multi-policy holders. Structured sequences that reduce lapse by 34%.
Running in one week.
From first call to live operations in seven days. No lengthy implementation projects.
Onboarding Call
Day 1 · 45 minA focused 45-minute call where we map your current ops stack, identify the three highest-leverage operations to automate first, and collect the tool access and brand guidelines we need to configure your agent team.
System Configuration
Days 2–4We configure your AI agents: connecting your tools, training agents on your product and brand voice, calibrating escalation thresholds, and writing your sequences. You only need to grant tool access — we handle everything else.
First Outputs
Days 5–7Your agent team goes live in monitored mode. Real operations are handled, sequences are triggered, and the first outputs are produced. You receive a daily summary and can request adjustments via Slack during this period.
Ongoing Operations
Week 2+Your agent team runs autonomously on a weekly ops cycle. Every Monday you receive a weekly operations report covering all tracked metrics, output volumes, and any flags raised during the week.
What your Monday looks like.
A real weekly ops report from a Insurance client. Every metric your agent team tracked, surfaced, and acted on — delivered before 9am.
// weekly_ops_report.md — Week 8 | Coverly Insurance POLICY SUPPORT Queries received 134 Auto-resolved 99 (73.9%) Escalated to ops 35 (26.1%) Avg first response 3h 48m CSAT 4.3 / 5.0 ONBOARDING New policies issued 28 Welcome sequences sent 28 (100%) 30-day check-ins 22 Year-1 cancellations 1 (3.6%) RENEWALS Renewal due (next 30d) 47 Sequences started 47 (100%) Early renewals confirmed 9 (19.1%) FLAGS [P1] Claim #CL-0394 — pending >14 days, customer escalation risk [INFO] 90-day renewal reminder variant B showing 14% lift
Common questions.
Your insurance ops
are waiting.
Agent team live in one week. Book a call to get started.