Fred for commercial & business insurance.
Answer business-owner questions, capture leads, and book your team around the clock, an AI agent that qualifies commercial prospects and never quotes a premium or binds coverage.
Every business, captured and routed.
A business owner needs a certificate, a new policy, or a renewal and wants to know if you can help. Fred answers the general questions, qualifies and captures the lead, and books a licensed agent, while quotes, binding, and coverage analysis stay with your team.
What Fred does
- Answers coverage lines, process, and general questions
- Qualifies and captures commercial leads
- Books appointments with a licensed agent, 24/7
- Routes certificate and renewal requests to your team
When Fred hands off to you
- A request for a premium or rate
- Anyone needing to bind, cancel, or change coverage
- A certificate of insurance or audit request
- A business ready to talk to an agent
What Fred won’t do
- Quote a premium or rate estimate
- Bind, cancel, or modify coverage
- Analyze coverage adequacy or promise a claim
Pre-configured for commercial insurance: general liability, property, workers’ comp, and BOP lead intake; quoting and binding handled by a licensed agent.
Business to protect. Fred books the agent.
Talk to Fred.
Server-side guardrails
The guardrails you manage in the admin, enforced before Fred replies.
Insurance is sold on trust and regulated on every promise, so a wrong answer about coverage is a claim waiting to be denied. This is the compliance panel you manage in the admin: the industry pack automation, your own custom rules, and the hard limits Fred holds no matter how it’s asked. All of it is enforced in code before a word reaches the visitor. Not a suggestion in a prompt a clever question can talk around.
Automated Guardrail Actions
Pack rules enforced in addition to baseline protections.industry.insurance
| Rule ID | Action | Severity | Phase | Message | Triggers |
|---|---|---|---|---|---|
| ins-emergency-escalate | ESCALATE | S4 | input | I'm sorry this is happening. Let me connect you with an agent immediately to start your claim and get you the help you need. | contains: just had an accident, house is flooding, car was stolen +12 |
| ins-no-binding | ESCALATE | S4 | input | I can't bind, cancel, or modify coverage — that requires a licensed agent. Let me connect you with one right away. | contains: bind my policy, cancel my policy, add a driver +12 |
| ins-fraud-escalate | ESCALATE | S3 | input | This needs to go to our fraud team immediately. Let me connect you right away. | contains: insurance fraud, report fraud, someone filed a fake claim +11 |
| ins-no-policy-interpretation | DENY | S3 | input | I can't interpret specific policy coverage. Your policy language and endorsements determine what's covered. Let me connect you with an agent who can review your policy with you. | contains: am I covered for, does my policy cover, does my insurance cover +13 |
| ins-no-guarantees | DENY | S3 | output | Only underwriting can guarantee coverage or claim approvals. Let me connect you to an agent who can review your situation. | contains: guarantee approval, claim approved, will be covered +10 |
| ins-no-premium-generation | DENY | S3 | output | I can't generate premium quotes or rate estimates. A licensed agent can provide an accurate quote based on your specific situation. | contains: your premium would be, your rate would be, estimated premium +9 |
| ins-claims-escalate | ESCALATE | S3 | input | Let me connect you with an agent to start your claim. They'll walk you through what's needed and next steps. | contains: file a claim, start a claim, open a claim +10 |
| ins-identity-verification | ESCALATE | S3 | input | I can't access or verify policy records here. I'll connect you with a licensed agent right away. | contains: policy status, claim status, coverage details +8 |
| ins-complaint-escalate | ESCALATE | S2 | input | I understand your frustration. Let me connect you with a supervisor or compliance team member who can address your concerns directly. | contains: file a complaint, department of insurance complaint, bad faith +10 |
| ins-lapse-reinstatement-escalate | ESCALATE | S2 | input | Policy reinstatement has specific timing and underwriting requirements. Let me connect you with an agent who can review your options. | contains: policy lapsed, reinstate my policy, coverage lapsed +9 |
| ins-quote-request-escalate | ESCALATE | S2 | input | I'd love to help you find the right coverage. Let me connect you with a licensed agent who can put together an accurate quote based on your needs. | contains: get a quote, how much is insurance, how much for coverage +12 |
| ins-disclaimer | DISCLAIMER | S2 | output | contains: coverage, claim, premium +6 |
Hard limits
The boundaries Fred holds, no matter how a visitor asks.
- Never bind, cancel, or modify coverage
- Never quote a premium or rate estimate
- Never interpret specific policy coverage or guarantee a claim
- Routes claims, fraud, and emergencies to a licensed agent immediately
Your custom rules
Layered on top of the pack, unique to your agency. No developer required.
The pack is the starting line, not the ceiling. Every deployment can add its own rules in the admin, block, warn, or just log on any phrase you choose, in either phase, with your own response message. They run right alongside the pack.
- BLOCKoff-topic requests that have nothing to do with your agency
- WARNbefore anyone is given a number that looks like a quote
- LOGwhen a caller asks whether something specific is covered
These industry rules stack on top of the always-on baseline, your state’s insurance and licensing rules, and macro overlays. See how the guardrail layers work
Know which lead to call back first.
Every conversation lands in your CRM with a lead score, a purchase probability, and a plain-language summary. The business with a binding deadline or a renewal gets routed before the early inquiry, so your agents work the highest-value commercial lead first instead of guessing.
Commercial insurance questions.
Why won’t Fred just give me a quote?
Quoting and binding are licensed, regulated activities. Fred captures the details a quote needs and connects a licensed agent who can give you an accurate, compliant number. That boundary is enforced in code before Fred ever speaks, not suggested in a prompt a clever question can talk around.
Can Fred issue a certificate of insurance?
No. Certificates, audits, and binding go to a licensed agent. Fred captures the request and routes it to your team fast.
Will Fred analyze our coverage?
No. Coverage adequacy is an agent’s analysis. Fred answers general questions, qualifies the lead, and routes the specifics to your team.
Can it book time with an agent?
Fred captures the lead and routes or books the agent in seconds. Direct calendar booking depends on the tools you already run. Our training videos show you how to connect them, or you can add a paid setup.
Answer every business. Stay in your lane.
Go live in about 20 minutes. Or ask Fred a question right now, it is in the corner of this page.