Insurers Gain Operational Efficiency with AI-Powered Agents

Liberate, a provider of AI agents for property and casualty insurers, announced that its technology has returned over 100 million minutes to insurance agencies and carriers. These virtual agents handle routine requests—such as policyholders checking balances or contractors requesting certificates of insurance—with no human intervention.

The freed-up time is being reallocated across various roles within insurance companies. Adjusters now spend less time on status updates and more on complex coverage analysis, while licensed service representatives are handling retention calls and coverage conversations instead of administrative tasks like issuing ID cards.

“Our goal is to stop making people do the work that machines can finish faster,” said Amrish Singh, Co-Founder and CEO of Liberate. The platform currently processes over 3.5 million transactions monthly across more than 70 carriers and brokers.

Extended Service Hours Yield Higher ROI

The ability for AI agents to operate outside of business hours expands the potential return on investment. One insurer reportedly earned a 263% ROI with Liberate’s agents, experiencing a 15% increase in sales and a 23% decrease in operating costs.

Rapid Response During Catastrophes

AI agents have proven particularly valuable during major events. One property and casualty insurer handled 14 times its usual claim volume during back-to-back hurricanes without adding staff, thanks to Liberate’s digital first-notice-of-loss intake system. Claim handling times were reduced by 67%, with one client seeing hurricane response times drop from 30 hours to just 30 seconds.

Branch Insurance Sees Significant Efficiency Gains

Branch, a home and auto insurer, moved its first notice of loss process to Liberate’s AI agents, cutting claim reporting time by 42%—from over 12 minutes with an outsourced call center to just 7 minutes. Digital channels now account for approximately 43% of Branch’s claims, which the company expects to cost 70% less to handle.

With consumer loyalty increasingly tied to claims experience (75% are likely to switch carriers after slow processing), insurers are accelerating their adoption of AI solutions. Regulators in 12 states are currently piloting an AI evaluation tool, with full implementation expected by the NAIC’s Fall National Meeting in 2026.