Priced to the size of your agency.
Two ways in: cover the hours you're closed, or hand over the whole front desk. Neither one charges you per call or per minute, setup is included in both, and you get your number the same day.
After-hours receptionist
Agencies losing calls to voicemail after 5pm.
Quoted per seat
- AI answers every call once your office closes: evenings, weekends, holidays
- Callers get a real conversation, not a voicemail box
- 85 languages, with summaries always in English
- Frustrated callers transferred straight through to an agent
- New callers created as leads in your AMS, existing callers get a note on file
- Summaries delivered to Teams or email, your choice
- Greeting, SOPs, call rules, and voice all editable by you in the portal
Calls forward to a Twilio number you own. Twilio bills you directly, usually a few dollars a month at after-hours volume.
Book a 15-min callFull front office
Agencies who want the routine work finished, not just answered.
Quoted on team size
- Everything in the after-hours tier, running around the clock
- Standard certificates of insurance issued start to finish
- Billing questions answered, quote requests captured, claim calls detected and routed
- Two-way AMS writeback with a full audit trail
- Email inbox triage and SMS on the same system
- Microsoft Teams workflow with adaptive cards and one-click claim
- Setup, AMS integration, and onboarding included
Priced on how many producers and CSRs you connect, and the per-seat rate improves as you add people. You get your number on the call, in writing, the same day.
Book a 15-min callWhat a front desk costs you today.
Before you weigh us against anything else, weigh us against the thing we actually replace. This is what it costs to keep someone answering your phone and working your service inbox.
One customer service rep, a month, fully loaded. That is $50,000 to $70,000 a year before anyone answers a call.
The one and a half to two people most agencies our size actually run across the phones and the inbox.
And that desk still goes home at five, takes about six months to reach full speed, covers one language, and can hand in its notice. Both of our tiers sit below the cost of a single one of those people, and neither of ours sleeps.
AI receptionist vs hiring a CSR →What the answering services cost.
They meter you by the minute, so what they cost depends entirely on how much of your phone you hand them. Here are the same five vendors priced at both volumes, each on the cheapest plan and overage combination they publish, at the lowest overage rate they publish. Their rates, from their own pricing pages, checked July 2026.
Cover the hours you are closed
About 100 calls a month, roughly 300 minutes
| Ruby Receptionists Growth plan, 500 min. Standard stops at 200. | $1,725 |
| Smith.ai Basic plan, 90 calls, plus 10 calls over | $895 |
| PATLive Standard plan, 200 min, plus 100 min over | $660 |
| Abby Connect AI receptionist line tops out at 200 min † | $450 |
| AnswerConnect Growth plan, 300 minutes | $395 |
Hand over the whole front desk
About 600 calls a month, roughly 1,800 minutes
| Ruby Receptionists Largest published plan is 500 min † | $6,210 |
| Smith.ai Pro plan, 300 calls, plus 300 calls over | $4,650 |
| PATLive Pro plan, 600 min, plus 1,200 min over | $3,570 |
| AnswerConnect Standard plan, 400 min, plus 1,400 min over | $3,165 |
| Abby Connect AI receptionist line tops out at 200 min † | $2,690 |
† Publishes no plan that reaches this volume and no overage rate, so their largest published plan is extended at its own implied per-minute rate.
And every one of those ends with a message.
What you are buying above is talk time. It is not the work. Somebody on your team still reads the message, looks the client up, does the thing, and types the note. We measured that at just over six minutes a call all in, across one real production month, against the three minutes of talking these vendors bill you for. On 600 calls that is another 30 hours a month left on your desk, and the service inbox and the certificates are untouched by every vendor on this page.
Ours ends with the client matched in your AMS and the note already written. That is the difference worth asking us about, and it is why the bill does not move in renewal season.
What the calls you miss are worth.
Pick the shape of your agency and drag the slider. The rates we measured are printed under the result. Your close rate and what a client is worth stay yours.
All of them for the full front office. Just your after-hours volume if you are starting there.
Sets what a new client is worth a year. Your number, editable below.
Fine-tune the assumptions
The close rate and client value are yours, not ours. We do not know your book, so we do not guess at it.
26% is what the July agency measured.
Of the new-business callers you speak to, how many buy.
Commission, not premium. The book chips just set this.
Standard certificates. Specials always route to your team.
Everything that arrives, bulk and carrier mail included.
$30 is the midpoint of a $50-70K CSR.
Assumes you close 25% and a new client is worth $700 a year in commission. Both yours, both editable. The lead rate is measured, not guessed. This is money you could lose, not money you have lost. The callers you never hear about are the point.
InsuraMate answers every one of these, any hour, in the caller's language, and the lead is logged before your team opens.
Book 15 minutes and watch it work →That is 0.60 of a full-time person, off certificates and inbox sorting and onto renewals, remarketing and cross-sell.
Your payroll does not drop. Nobody is made redundant, and we are not going to pretend otherwise. What changes is what your licensed people spend the day on, and whether you need the next hire to keep growing.
To cover 95.9 hours a month you would hire for it. You cannot hire 0.60 of a person. You hire one, at $50,000 to $70,000 fully loaded, who covers 40 hours a week, takes six months to ramp, and can resign.
At your hourly cost those hours are worth $34,524 a year. That is what the work costs you today, not a cheque you get back.
- Live in about two weeks
- Starts in shadow mode, so you watch what it would do before it ever acts
Measured at a live agency in July 2026: 811 calls, 111 certificates end to end, zero errors reported.
How this is calculated
There are two kinds of number on this page and we keep them apart on purpose. The rates below are measured by us, from one real production month at a live agency, 1-30 July 2026, in which InsuraMate displaced 141.0 hours of agency work. Your close rate and what a client is worth are your estimates, because we do not know your book and will not invent it.
| Measured | Volume in July 2026 | What we measured | Rate used here |
|---|---|---|---|
| Calls | 811 | 81.8h | 6.05 min each |
| Emails | 2,673 | 45.9h | 1.03 min each |
| Certificates | 111 | 13.3h | 7.19 min each |
| Leads | 811 calls | 118 logged | 14.5% of calls |
Rates are rounded to two decimals and the calculator uses exactly the numbers printed here, so you can check it with your own arithmetic. Every figure on the page derives from the one shown above it.
The lead rate is applied only to after-hours calls.
Your daytime calls already reach a human. We only count the ones currently answered by a voicemail box, so we are not claiming credit for business you already win.
The call rate is deliberately low.
6.05 minutes is blended across all 811 calls that month, including the 57 transferred to a human and the 74 that failed. It is not the rate for a call that goes perfectly.
Nothing here is added together.
The money you could lose and the hours you get back are different kinds of value, so we report them separately rather than adding them into one flattering total.
The size and book chips are shortcuts, not claims.
Tapping one just fills the editable fields, and every assumption it sets is printed under the result. Change any field and the chip lets go. A full-time month is 160 hours, the same divisor your Proof of Value dashboard uses.
Once you are live you stop needing this page. Your portal runs the measured formulas on your own traffic and shows you the real figure, updated daily.
Questions about the bill.
Why does this cost more than an answering service? +
Because it is not an answering service. Every one of those services ends the call with a message that somebody on your team still has to read, action, and type into your AMS. Ours ends with the certificate issued, the client matched in your system, and the note already written. And the price gap mostly disappears once you compare like for like: those rate cards look cheap at after-hours volume and land above us at front-desk volume, because they meter you by the minute and we never do.
Is there a minimum number of seats? +
No. The after-hours tier starts at a single seat, which is how most agencies begin. The full front office is priced per producer and CSR you connect, and the per-seat rate improves as you add people.
What is not included in the price? +
Two things. Your existing phone line keeps running through your current carrier, and calls forward to a Twilio number registered in your name, which Twilio bills you for directly. At after-hours volume that is typically a few dollars a month. Everything else, including setup and AMS integration, is in the monthly number.
Are there per-call or per-minute charges? +
No. Every answering service you are comparing us against bills by the call or by the minute, which means your bill climbs in renewal season exactly when the phone matters most. Ours does not move.
How does this compare to hiring a CSR? +
A customer service rep runs $50,000 to $70,000 a year fully loaded, which is $4,200 to $5,800 a month, and takes about six months to reach full productivity. Most agencies our size run one and a half to two of them across the phones and the service inbox, so the desk itself is $6,300 to $11,600 a month. Both of our tiers sit well below that, cover nights and weekends a person cannot, and do not resign. Most agencies keep their great humans for the complex work and let the AI take the routine calls.
Can I start on after-hours and move up later? +
Yes, and most do. Starting after-hours is the low-risk way to hear how the AI handles your callers before you hand it the daytime phone. Moving to the full front office is a change to your plan, not a re-implementation.
How fast can I get a quote? +
Same-day. We need a 15-minute call to understand team size and which AMS you're on. You'll have the number in writing before you hang up.
Do I get a discount if I prepay annually? +
We'd rather you stay because it's working. If you want to prepay a year, ask, and we'll work something out.
Does this mean I can cut a salary? +
No, and the calculator says so on its face. Nobody gets made redundant when you switch this on, so your payroll does not drop. The hours your team gets back are capacity, not a cheque: they move your licensed people off certificates and inbox sorting and onto renewals and remarketing, and they decide whether you need the next service hire to keep growing. The part that is actual cash is the new-business calls that currently reach a voicemail box.
How do I know the calculator is not just marketing? +
Because you can check it. Every rate in it comes from one real production month at a live agency, and the volumes those rates were divided by are printed on the page under "How this is calculated". The per-call rate is blended across every call that month, including the ones transferred to a human and the ones that failed, so it is deliberately conservative. Your close rate and what a client is worth stay yours, because we do not know your book and will not invent it. Once you are live, your own portal runs the measured formulas on your own traffic.
Ready to see your number?
Book a 15-min call and walk away with a quote, same day, in writing.