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AI agent for insurance agency managers

Premium Audit and Payroll Reporting Agent

Reduce surprise audit bills by adjusting exposure during the policy term.

MonitoringRisk managementManagementInsuranceOperations
See how it worksGet access
Premium Audit and Payroll Reporting Agent: what goes in, what the agent does and what you get

What it does

Workers' compensation and some liability premiums are based on payroll or sales that are estimated at the start. At the end of the term the carrier audits and bills the difference. A client whose payroll grew 40% gets a large unexpected bill. This agent contacts clients midterm for their current payroll or sales, compares them with the estimate, and flags large gaps. For each it drafts a request to adjust the policy so that premium follows reality. It rechecks after the client replies. The manager approves requests to the carrier. Edge case: a client with seasonal payroll is compared with the same period last year, not a straight average.

How it works

Follow the arrows from top to bottom. The orange dashed arrow is the loop: when a check fails, the agent goes back and tries again.

Start and resultWhat it doesA check on its own workWaits for your OKGoes back and retries
ApprovedYes, continueApprovedYes, continueNoNo 1 STARTS WHEN Policy reaches its midterm point 2 USES A TOOL Draft a request to the client for current payroll orsales 3 YOU APPROVE Manager approves sending the request 4 USES A TOOL Collect and read the client replies 5 DOES Compare reported exposure with the policy estimate 6 CHECKS THE RESULT Is the gap smaller than 15% of the estimate? If not: Draft a policy adjustment request with the newfigures. Back to step 3. 7 YOU APPROVE Manager approves the carrier request 8 USES A TOOL Send the request and track the carrier reply 9 CHECKS THE RESULT Did the carrier confirm the new exposure andpremium? If not: Chase the carrier and flag the account to themanager. Back to step 8. 10 RESULT Exposure update record
Read the steps as a list
  1. Policy reaches its midterm point
  2. Draft a request to the client for current payroll or sales
  3. Manager approves sending the requestThe agent waits here for your OK.
  4. Collect and read the client replies
  5. Compare reported exposure with the policy estimate
  6. Is the gap smaller than 15% of the estimate?If not: Draft a policy adjustment request with the new figures. Back to step 3.
  7. Manager approves the carrier requestThe agent waits here for your OK.
  8. Send the request and track the carrier reply
  9. Did the carrier confirm the new exposure and premium?If not: Chase the carrier and flag the account to the manager. Back to step 8.
  10. Exposure update record

How it decides

Compares reported exposure with the estimate and flags a gap above 15%; seasonal clients are compared with the same period last year.

  • Gap above 15% triggers an adjustment request
  • Seasonal clients use last year's same period
  • No reply in 14 days gets one reminder
  • Gap above 40% goes to the manager at once

Make it yours

Every agent is a starting point. You choose these settings for your own situation.

  • Gap threshold (default 15%)
  • Timing of midterm check
  • Seasonal clients list
  • Reminder wait (default 14 days)
  • Policy types included

What keeps you in control

It always asks you first

  • Client requests
  • Carrier requests
  • Any premium estimate shown to a client

Hard limits

  • Never send a request without approval
  • Never change a policy itself

It stops when

  • Done: exposure updated and confirmed
  • Stop: client cancels
  • Stop: audit already started

Set it up

We guide you through the set-up, step by step

Members get the full set-up guide for this agent. No technical skills needed: you copy, paste and upload.

10 minto set it up in your AI
5 AIsChatGPT, Claude, Copilot, Gemini, Grok
  • One set of instructions to paste into your AI, with the clicks for ChatGPT, Claude, Microsoft 365 Copilot, Gemini and Grok
  • The agent then walks you through connecting your own data, one source at a time
  • A downloadable copy with the flow chart, the rules and the full guide
Get access to this agent

An example run

What happensA roofing client estimated 800,000 in payroll. Midterm replies show 1.1 million, a 37% gap. The check fails and the agent drafts an adjustment request for 1.3 million projected. The manager approves it. The carrier confirms a premium increase of 9,000 spread across remaining installments, instead of a 28,000 audit bill at the end.

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