What is a missed call actually costing you?
Every agency knows the phone rings after five. Almost none can say what that is worth. Put your volumes in and see it, using a lead rate measured at a live agency and your own close rate, kept clearly apart.
Start with a normal month.
Pick the shape of your agency, drag the calls slider, and watch the number move. The rates we measured are printed under the result. The 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.
Three leaks, every day.
None of these is a big problem on its own. That is exactly why they never get fixed, and why the total surprises people.
The call that went to voicemail
After-hours and overflow calls go to voicemail. Some are service requests, some are new business, and nobody knows which until morning. Your team starts the day triaging yesterday instead of working the book, and some of those callers never call back.
The COI clock
A certificate is an access document. Until it arrives, your client cannot start the job, and in trucking a slow cert means the load goes to another carrier. And by hand, a request that lands at 7pm is not ten minutes late, it is a whole night late.
The inbox that buries the real work
Your shared service inbox carries carrier bulletins, newsletters, marketing and bulk mail, with real client work buried inside it. Someone senior sorts it every day. That is licensed time spent on work that does not need a license.
Questions people ask about this number.
Does my payroll actually go down?
No, and we will not pretend it does. Nobody gets made redundant when you switch this on, so the hours your team gets back are capacity, not a cheque. What changes is what your licensed people spend the day on, whether you need the next service hire to keep growing, and what happens to the new-business calls that currently reach a voicemail box. That last one is the part that is actual cash, which is why the calculator leads with it.
Where does the lead number come from?
From measurement, not a guess. In July 2026, 118 of 811 calls at a live agency produced a new lead logged in the CRM, which is 14.5% of calls. We apply that rate only to your after-hours calls, because your daytime calls already reach a human. We are not claiming credit for business you already win.
Are you saying I lose all of that commission today?
No. The page says you could lose it, not that you have lost it, and that is on purpose. Some of those callers leave a message and you win them anyway. The ones who do not are the ones you never hear about, so you cannot count them and neither can we. What the number tells you is how much new business depends on someone answering the phone after five.
Why do I have to enter my own close rate and commission?
Because we do not know your book, and a calculator that invents those two numbers is a calculator you cannot trust. The rates we measured are ours and they are printed on the page. The close rate and what a client is worth are yours. Keeping the two apart is the only way the total means anything.
What if the numbers come out small?
Then we are probably not the right fit yet, and we would rather you saw that here than three calls in. The agencies this pays back for are the ones where the phone rings after hours, certificates go out daily, and the service inbox is somebody’s whole morning. If your volumes are low, tell us on a call and we will say so honestly.
How does this compare to just hiring another CSR?
A customer service rep runs $50,000 to $70,000 a year fully loaded, takes about six months to reach full productivity, covers 40 hours a week, and turns over every 12 to 18 months. The work scales with your book. Payroll cannot. Most agencies keep their great humans for the complex work and hand the routine volume to the AI.
Do I get this number again once we are live?
You get a better one. The Proof of Value dashboard in your portal runs the measured formulas against your own traffic and updates daily, so you are looking at what actually happened in your agency rather than a projection on a website.
Now put a price next to it.
Fifteen minutes with our founder. No pitch deck, just your calls handled live.