Otto Agent. COIs, issued in minutes.
Every certificate-of-insurance request that hits your shared mailbox or business SMS line is handled end-to-end in 3-5 minutes. The producer never has to touch it.
Here's what it's costing your agency today.
COI requests pile up in shared mailboxes
Each one needs a person to read the request, find the customer, look up the policy, draft the certificate, and email it back. Producers do this between selling calls. CSRs do it between everything else.
of those COIs need a human today
The customer, the policy, the holder, and the requirements are already sitting in your AMS. The certificate writes itself once something is actually reading the inbox.
per COI request, depending on complexity
Simple ones take five minutes. Add multiple policies, ambiguous holder wording, or a renewal that is about to expire and you are looking at half an hour. Multiply that by 20 to 100 requests per week for a mid-size commercial book.
in annual labor cost sitting inside the COI inbox
At 40 COI requests per week and 10 minutes apiece, that is roughly 350 hours of CSR or producer time per year. Depending on who is doing the work, that is $10,000 to $28,000 in salary spent on data movement.
Specifically built for this.
Watches the inbox and the SMS line.
Otto sits on the shared mailbox you choose (for example [email protected]) and your business SMS number. Email or SMS, Otto picks the request up automatically. For SMS, Otto identifies the customer by phone number and sends the certificate to the email on file. No new portal for your customers to learn.
Matches the right customer record.
If a customer has multiple profiles in your AMS, for example a personal account and a business account, Otto identifies which one the request belongs to and pulls the correct policy. No guessing, no mistakes from grabbing the wrong account.
Issues, delivers, and protects the edge cases.
Otto generates the certificate from the matched policy and sends it back to the requester, typically in 3-5 minutes end-to-end. Renewal safety guard: Otto won't auto-issue for policies expiring the same day. Those route to your team for manual review because same-day expirations are too risky for full automation. You can also send a review copy to your service team during rollout to validate output before going fully automated.
COI automation is one of the highest-ROI entry points for AI in commercial insurance. The request pattern is repetitive, the data already lives in your AMS, and the cost of delays is real: a commercial client who needs a certificate for a lease signing at 4 PM and gets it at 5:30 PM remembers that. Do it enough times and they start talking to other agencies.
The work that used to take a chunk of every morning is gone. Producers sell. Otto issues the certificates.
Read the Goodwill Financial storyAgencies handling regular COI volume on a shared service inbox. Setup takes a few minutes: connect Microsoft 365 or Google Workspace, pick the mailbox, turn Otto on. One-click pause from the settings page any time.
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