Industry · Insurance

The claim happens at 10:41 pm.
So does the answer.

Brokers and agencies live on being reachable — and enquiries stopped arriving by phone alone a long time ago. WhatsApp, email, your website, Instagram: every message that lands in the wrong inbox on a Friday evening is an unhappy client on Monday. HeroChat brings every channel into one place, answers routine questions around the clock and hands over to your team the moment it gets personal. GDPR-compliant, hosted in Germany.

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EU GDPR compliant

100 % GDPR-compliant

Data processing agreement included — for data that deserves more care than most.

Servers in Germany

Hosted in Germany

Client data never leaves the EU. AI processing runs in the Azure data centre in Frankfurt.

Made in Germany

A real contact in Berlin

Personal onboarding and a phone number to call, instead of a ticket queue.

Where it starts

Three inboxes, one back office.

In most agencies the bottleneck isn't the advice. It's the sorting that happens before it — finding one enquiry across four different programs.

Channels that never meet

The client calls, follows up on WhatsApp, then emails the invoice. Three records, one matter — and nobody sees the whole thread.

The same questions, endlessly

"What's my premium?", "I've moved house", "Could you resend the policy?" — matters that need almost no expertise, yet cost hours every single day.

Claims ignore office hours

Water damage on a Sunday night, an accident on a dark road. Reach nothing but voicemail and the next call goes to the insurer's hotline — not to you.

Use cases

What HeroChat takes off your desk.

None of this replaces advice. All of it removes the groundwork before it — structured, documented and available at any hour.

Take the first notice of loss

The AI asks for exactly what you'd ask for: policy, date, what happened, photos. By morning you have a complete file instead of a voice note with half the details.

Premium and policy questions

Term, excess, next payment date, change of address. Answered from the documents you've provided — in your agency's voice, not a call centre's.

Book advice appointments

From "I should probably look at income protection" straight into your calendar — no hold music, no callback ping-pong. The meeting is booked before the interest cools.

Collect and send documents

Chase missing paperwork, resend a policy or premium notice, deliver cancellation confirmations. The chat gathers what usually takes three follow-up emails.

Deadlines and reminders

A premium adjustment, cover about to lapse, an open appointment: a short message on the channel your client already opens daily, rather than a letter that stays unopened.

Hand over to your team

The moment it turns to cover confirmations, advice or complaints, a person takes over — with the full history in front of them. No asking the client the same thing a fourth time.

You draw the line: which topics the AI closes on its own and which it only prepares is something we set together during onboarding.

What it's worth

Let's actually do the maths.

Rather than advertise a percentage, we'll show the assumptions. Swap in your own numbers — the structure stays the same.

Worked example: an agency with roughly 5,000 policies

  • client contacts per month (all channels) approx. 1,200
  • of those, routine matters needing no advice approx. 60 % → 720
  • of those, fully handled by the AI approx. 65 % → 470
  • average handling time in the back office 6 minutes
  • working time saved per month approx. 47 hours
  • fully loaded back-office cost assumed €45/hour
  • less HeroChat Pro − €129/month
  • calculated effect per month approx. €1,980

The second effect is harder to put a number on

A claim taken on Sunday instead of deferred. An advice appointment that happens because nobody had to call back. A client who gets an explanation at the premium review instead of cancelling. None of these show up in a time-saving calculation — but they decide whether a book of business grows or quietly shrinks.

A simplified worked example for illustration, not a promise of results. Actual figures depend on the size of your book, the lines you write, enquiry volume, staff costs and how much you choose to automate. We're happy to run the model with your own numbers on a first call.

Data protection & records

Health data, bank details, claim files.

Few industries handle more sensitive data, and few are examined more closely. That's why data protection isn't an add-on in HeroChat — it's the default.

Processed inside the EU

Storage in Germany, AI processing through the Azure OpenAI Service in the Frankfurt region. No detour through third countries. Hosting details

DPA included

You get the Art. 28 GDPR data processing agreement ready to sign, together with the technical and organisational measures and building blocks for your records. Data protection pack

Consent per channel

Marketing over WhatsApp needs documented consent. HeroChat collects it, logs it and honours withdrawal — kept separate from purely contract-related messages.

A complete conversation record

Every conversation stays intact and exportable. That helps with internal evidence requirements as much as with a complaint that resurfaces two years later.

Roles and permissions

You control who sees which matters, person by person. That matters as soon as temporary staff, tied agents or external providers share the inbox.

Honest about the regulator

HeroChat is a communication tool. It is not advice software and it does not discharge your documentation duties under the IDD or German insurance contract law. It supplies the record; the advice stays with you.

Channels

One inbox for everything that arrives.

Your clients decide where they write. All you decide is who answers.

FAQ

Questions we get from brokers.

Are we even allowed to process personal insurance data through a chatbot?
Yes, provided it's set up properly. HeroChat stores data in Germany, processes AI requests in the Azure data centre in Frankfurt, and provides the Art. 28 GDPR data processing agreement. Health data under Art. 9 GDPR — in health or income protection lines, for instance — carries stricter requirements: during onboarding we configure those topics so sensitive details go straight to your team rather than being answered automatically. You remain the controller under data protection law; we supply the paperwork for it.
Does the AI replace our IDD advice documentation?
No, and it shouldn't. HeroChat is a communication tool. It keeps a complete record of what was discussed in chat and makes it exportable — the advice documentation, the suitability assessment and the demands-and-needs test remain your responsibility and your agency system's.
Can we message existing clients on WhatsApp?
There's a distinction to make. Contract-related messages the client initiated are straightforward. Marketing contact — pointing out additional cover, say — requires documented consent for that channel. HeroChat collects that consent, logs it and keeps the two cases apart. When in doubt, clear it with your data protection officer.
How does the AI learn our expertise?
From your own material: policy wordings, product information documents, internal FAQs, process descriptions. We set this up together during personal onboarding. What the AI can't answer confidently, it doesn't answer — it hands over to a person rather than guessing.
Can HeroChat connect to our agency management system?
Through the REST API and via Zapier, Make and n8n, matters can be pushed into almost any system — a completed claim notification as a structured record, for example. Whether your particular system offers a suitable interface is something we check honestly upfront, before you commit.
What does it cost for an agency?
Basic is €89 per month and Pro is €149 per month, or €79 and €129 when paid annually. For agencies we'd suggest Pro: unlimited contacts, every channel in one inbox and personal onboarding. There's also a permanently free tier with 100 messages a month, no credit card required. See all pricing
How long does setup take?
Website chat runs the same day. The WhatsApp Business API needs verification by Meta, which in our experience takes a few working days. Training on your wordings and processes happens together during onboarding — how long that takes depends mostly on how many lines of business you want to cover.

Stay reachable without hiring.

Try HeroChat free with your own topics. If you'd like, we'll run the model with your actual book of business first — no obligation, over the phone.

Try for free

No credit card required · Personal onboarding · Cancel any time