Agentic AI in P&C Insurance
AI for policyholders when it matters most.
Agentic AI agents that handle the full claims journey from FNOL intake to final resolution with the compliance your team requires.
Deliver results for property and casualty insurance
Reduce cost per contact, improve policyholder retention, and eliminate the manual bottlenecks that slow your claims cycle.
AI that completes the claim.
Collect FNOL data and pictures to push a complete claim into your system so adjusters start with everything they need.
Compliance you can prove.
Every AI response is verified before it reaches a policyholder. Your compliance workflows are encoded into AI behavior. Every decision is logged, auditable, and defensible.
Clients never repeat themselves.
When a policyholder moves from SMS to phone to adjuster, the full conversation history travels with them. No repeated explanations. No dropped context.
Built for every moment in the claims journey
From the first claim to the final payment, handle every policyholder interaction at scale — without losing the accuracy, compliance, or trust you depend on.
FNOL intake
Collect claim via SMS or voice, capture photos in-chat, and push a complete record into your claims system automatically.
Catastrophe surges
Send proactive alerts to affected policyholders before volume peaks. Intake claims at scale while adjusters handle complex cases.
Proactive status updates
Push notifications at each stage of the claims journey so policyholders never need to call for a status update.
Account management
Handle address changes, payment updates, vehicle additions, and coverage questions end to end, any time of day, on any channel.
Quote abandonment recovery
Re-engage prospects who drop off mid-quote with a personalized message – route to a licensed agent if needed.
3x
increase in self-service vs chatbot
National Auto Insurance Carrier
A national auto insurance carrier moved policyholders from a legacy chatbot to AI agent to handle FMOL intake, answer policy specific questions delivering a measurable increase in self-service and customer satisfaction.
The outcomes speak for themselves
Global brands trust Quiq to deliver faster resolution, with AI experiences that stay true to their brand.
Policyholders call when disaster strikes. Be ready to help at scale.
Frequently Asked Questions (FAQs)
Can AI agents handle First Notice of Loss (FNOL) intake?
Yes. Quiq’s AI agents can collect a full FNOL claim over SMS or voice, including photos captured directly in the conversation, and push a complete record into your claims system automatically, so adjusters start with everything they need instead of a partial intake form. This matters most during catastrophe events, when claim volume spikes suddenly. The AI agent can absorb that intake surge and send proactive alerts to affected policyholders before call volume peaks, while adjusters focus on the complex cases that need their judgment.
How does Quiq ensure claims AI is compliant and auditable?
Every AI response is checked against your grounded data before it reaches a policyholder, and your compliance workflows are encoded directly into the AI’s behavior rather than left to chance. Each decision the AI agent makes is logged, so it’s auditable and defensible if a regulator or your internal compliance team needs to review it later. An auto insurer worked with Quiq to replace a static legacy chatbot with an AI Assistant built for insurance’s regulatory requirements, and tripled its customer self-service rate as a result, while keeping every answer traceable back to approved source content.
Can AI agents help insurers manage catastrophe-driven claim surges?
Yes. When a catastrophe hits, claim volume can spike well beyond what a normal staffing model supports. Quiq’s AI agents send proactive outreach to affected policyholders before they even call, and can intake claims at scale over SMS, chat, or voice, so adjusters can focus on complex or high-value claims instead of repetitive intake work. The AI agent operates on the same compliance guardrails during a surge as it does on a routine day, so insurers don’t have to trade accuracy for speed when volume is highest, which is exactly when policyholders are most anxious.
What happens to conversation context when a policyholder moves from AI to a human adjuster?
The full conversation history moves with the policyholder, not just a summary. If someone starts a claim over text, calls to ask a follow-up question, and later gets transferred to an adjuster, the adjuster sees everything: what was already collected, what channel it came through, and what’s still outstanding. That continuity is a core part of Quiq’s platform architecture, not an add-on, which matters in claims specifically because policyholders are often filing while dealing with property damage, an accident, or another stressful event, and re-explaining the same details to three different people adds real friction at a bad moment.
What security and compliance certifications does Quiq have for insurance use cases?
Quiq is SOC 2 Type II, HIPAA, GDPR, and CCPA compliant, with 99.999% uptime and options for US and EU data hosting for organizations with data sovereignty requirements. For carriers specifically, Quiq’s guardrails and claim verification features keep AI responses inside pre-approved, compliant answers, an important distinction in a regulated industry where an AI agent can’t be allowed to improvise. Quiq also maintains contractual prohibitions on using customer data to train underlying models, which matters for insurers handling sensitive policyholder and claims information.