Layercode
Voice AI for Insurance

Voice AI for Insurance: Process Claims 53% Faster

Automate FNOL (First Notice of Loss), claims intake, policy inquiries, and quote requests. Handle thousands of calls daily while maintaining strict compliance.

53%
Faster FNOL processing
24/7
Claims intake
45-50%
Call containment

Why insurance voice automation fails

Insurance requires precise data collection, strict compliance, and empathetic handling—most voice AI falls short.

After-hours claim delays

Claims filed outside business hours create backlogs, delaying customer service

Caused by: Limited call center hours, no automated FNOL intake, customers forced to wait until morning

Compliance complexity

State regulations, disclosure requirements, and audit trails are manual nightmares

Caused by: Manual call logging, inconsistent data collection, no automatic compliance tracking

Data collection errors

Missing or incorrect claim data requires callbacks and delays processing

Caused by: Rushed calls, agent errors, customers omit key details, no structured data capture

High call volume spikes

Weather events, accidents cause 10x call volume—systems can't handle it

Caused by: Fixed agent capacity, no auto-scaling, callers wait hours or abandon

Insurance companies lose millions annually to claim delays and processing errors. Layercode automates this.

How It Works

Deploy compliant insurance voice AI in days

Connect your systems, define your workflows, and let voice AI handle claims 24/7.

1

Connect your systems

Integrate with your claims management system, policy database, and telephony provider.

Guidewire • Duck Creek • Majesco • Any REST API
2

Define your claims workflows

Build agents for FNOL intake, policy inquiries, claim status updates, and quote requests.

// FNOL intake agent
import { streamResponse } from "@layercode/node-server-sdk";
import { streamText } from "ai";

export const POST = async (request: Request) => {
  const body = await request.json();

  return streamResponse(body, async ({ stream }) => {
    const { textStream } = streamText({
      model: openai("gpt-4o-mini"),
      system: `You collect First Notice of Loss for [Insurance Co].
                Gather: policy number, incident date/time, location,
                parties involved, damage description, police report.
                Show empathy. Follow state disclosure requirements.`,
      messages: body.messages,
    });

    await stream.ttsTextStream(textStream);
  });
};
3

Deploy with compliance built-in

Automatic call recording, transcripts, audit logs, and data encryption. SOC 2 compliant infrastructure.

$ vercel deploy
 Call recording & transcription enabled
 Audit logging configured
 Data encryption (AES-256) active
 Live at claims.yourinsurer.com

LAYERCODE HANDLES

  • Voice call infrastructure 24/7
  • Call recording & transcription
  • Automatic audit logging
  • Data encryption (in transit & at rest)
  • WebSocket & telephony
  • STT/TTS orchestration
  • Edge deployment & scaling
  • Compliance reporting

YOU BUILD

  • Claims intake logic
  • Policy lookup integration
  • FNOL data validation
  • Claim routing rules
  • Escalation workflows
  • State-specific compliance

What you can build

From FNOL through claim settlement, automate every policyholder interaction.

FNOL (First Notice of Loss)

Capture initial claim reports 24/7. Collect incident details, policy info, and photos. Route to adjusters automatically.

Process FNOL 53% faster

Claims status updates

Answer policyholder questions about claim status, payment timelines, and required documentation automatically.

Deflect 70% of status calls

Policy inquiries

Provide coverage details, policy documents, payment information, and renewal dates via voice conversation.

Handle 500+ inquiries daily

Quote requests

Collect information for new policy quotes. Auto, home, life insurance—gather details and route to underwriting.

Capture leads 24/7

Claims follow-up

Proactive outbound calls to request missing documentation, schedule inspections, confirm settlements.

Reduce processing time by 40%

After-hours support

Never miss a claim filing. Handle accidents, injuries, property damage calls any time of day or night.

100% availability

Results

Real impact in insurance operations

53%
Faster FNOL
processing time
45-50%
Containment rate
calls handled by AI
80%
Cost reduction
vs human-only calls
24/7
Availability
never miss a claim

Insurance types supported

Auto Insurance
Property & Casualty
Health Insurance
Life Insurance
Home Insurance
Commercial Lines
Enterprise Ready

Built for insurance compliance

Compliance & Security

  • SOC 2 Type II certified*
  • Automatic call recording
  • Complete audit trails
  • State regulation support

Global Infrastructure

  • 330+ Cloudflare edge locations
  • Auto-scaling for catastrophes
  • 99.99% uptime SLA
  • Disaster recovery ready

System Integrations

  • Guidewire, Duck Creek, Majesco
  • Telephony: Twilio, Vonage
  • CRM: Salesforce, custom APIs
  • LLMs: OpenAI, Anthropic, custom

Frequently asked questions

Other applications of voice AI agents

Start automating insurance operations

$100 in free credits. SOC 2 compliant infrastructure included.