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 routine work is costing you.
Pick the shape of your agency and drag the slider. The rates we measured are printed under the result; what an hour costs in your agency is yours to set.
All of them for the full front office. Just your after-hours volume if you are starting there.
The work we take off your desk is not all CSR work, so it is not all priced like CSR work. Your numbers, editable.
$400,000 a year over 2,080 hours is $192.
Includes the selling time lost while doing admin.
Salary plus payroll burden.
A two-partner agency should see both partners' time counted.
Fine-tune the assumptions
Every one of these feeds the model. The measured defaults are printed next to each field; change any of them and every number on the page follows.
21% is what the live agency measured.
Standard certificates. Specials always route to your team.
Everything that arrives, bulk and carrier mail included.
a year of your and your team's time back from routine work.
Priced at your own three rates for owner, agent and CSR, using rates measured at a live agency. The leads below are counted, not priced: what a captured lead closes into depends on your close rate and your book, and we will not guess at either.
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 →35.8h of your own month back, at $192 an hour. About $81,600 a year.
The defaults are how a small agency actually runs. Change any of them and the money above follows.
All of it together is 137.1h a month, 0.86 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 137.1 hours a month you would hire for it. You cannot hire 0.86 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.
Valued at your three rates those hours are worth $133,200 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 one production month: 811 calls, 118 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, in which InsuraMate displaced 149.3 hours of agency work. Which agency it is stays unsaid, deliberately: their operations are their business. What an hour costs in your agency is yours to set. And leads stay counts, never dollars: what a captured lead closes into depends on your close rate and your book, and we do not know either, so we will not invent them.
| Measured | Volume that month | What we measured | Rate used here |
|---|---|---|---|
| Calls | 811 | 81.8h | 6.05 min eachmeasured |
| Emails | 3,128 | 53.7h | 1.03 min eachmeasured |
| Certificates | 118 | 13.8h | 7.02 min eachmeasured |
| Leads | 173 after-hours calls | 7 logged | 4% of after-hours callsmeasured |
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. Dollar figures are always rounded down, to the nearest $100 above $1,000 and the nearest $10 below, so if your own maths lands a little higher than ours, that is why.
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 mostly the paperwork, not the talking.
A call averages about 1.3 minutes of conversation. The rest of the 6.05 minutes is the work after the call: entering the data into the AMS, notes, logging. The AI answered every one of the 811 calls that month, and the rate is blended across all of them, including the 57 transferred to a human and the 74 where nobody on the agency side picked up the transfer.
The email volume is a real executive mailbox.
3,128 emails classified in one production month: 1,991 of them mailing-list noise, 872 important, and 946 relevant emails surfaced out of the pile.
The certificate rate claims no work the AI did not do.
Of 2,933 messages monitored, 269 were certificate requests and 118 certificates were issued. The 52 specials, 128 requests routed to a human and 19 blocked count zero saved time, because no certificate was produced.
Leads are counted, never priced.
Turning a captured lead into revenue takes a close rate and a client value, and both are your private numbers. A calculator that invents them is a calculator you cannot trust, so the only money here is hours priced at your own rates.
The size 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.
What we check our measurements against.
Every rate above is measured in our own production, not borrowed from a study. But "trust us, we measured it" is a weak floor to stand a number on, so here is the published research we sanity-check against. Where our figures and theirs disagree, we use ours and say so.
- Call workflow and missed-call context: IIABA Best Practices Study
- Documentation typing-time benchmark: IBM / CHI Research (Karat et al.)
- AMS workflow and re-keying context: Vertafore's resource library
- Email sorting and interruption cost: UC Irvine research (Gloria Mark)
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.
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 where nobody picked up the transfer, so it is deliberately conservative. What an hour costs in your agency is yours to set, and leads stay measured counts rather than invented revenue, because we do not know your book and will not guess at 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.