Call coverage for independent insurance agencies

Every missed call is a policy written somewhere else.

Your agency misses calls every day — after hours, during lunch, when every line is busy. Cometa answers them. New quote requests captured, policyholders served, claims routed. 24/7.

Book a coverage consult

Leave your number and we'll walk you through how coverage works for your agency.

The cost of a missed call

Every 3rd call

to a small agency goes unanswered

Most callers

who hit voicemail hang up without leaving a message

$1,000+

average annual premium walking away with one lost caller

Minutes

before that shopper dials the next agency on Google

What it does

Your phones, covered. Your team, focused.

Cometa is an always-on receptionist service built specifically for independent P&C agencies. It picks up when your team can't — and handles the call the way your best CSR would.

New quote requests

Callers shopping for auto or home coverage are qualified on the spot — name, contact, current carrier, renewal date — and the lead lands in your inbox before they hang up.

Policyholder service

Existing clients get answers to routine requests — payment questions, ID cards, policy changes — logged and routed to the right person for the morning.

Claims — first notice

A client calling at 11 PM after an accident reaches a calm, structured intake: what happened, who's involved, carrier claim line provided. Your agency looks like it never sleeps.

After-hours & overflow

Nights, weekends, lunch rushes, renewal season spikes. Every call answered on the second ring, every conversation summarized and delivered to you.

Process

Live in days, not months.

01

01

Forward your calls.

No new hardware, no new phone system. You forward after-hours or overflow calls to your Cometa line. Takes 10 minutes.

02

02

We answer like your team.

The receptionist is configured around your agency: your carriers, your service area, your intake questions, your escalation rules.

03

03

You get everything in the morning.

Every call comes with a full transcript, a summary, and a next action — in your inbox or pushed into your agency management system.

Next step

See coverage for your agency.

We configure a dedicated receptionist for insurance — quotes, policyholder service, claims intake. Book a short call and we'll map it to how your phones actually ring.

Book a coverage consult →

The team behind Cometa has built and integrated operational systems for retail chains with 21+ locations, international logistics, and field-service companies. Connecting to your agency management system is routine work for us — not a science project.

See our engineering cases →
Who it's for

Built for independent agencies.

Independent P&C agencies

personal lines and small commercial. Our core focus.

Growing agencies

drowning in service calls while producers should be selling.

Solo agents & small teams

who can't staff nights and weekends.

Not a fit: captive-brand offices with corporate call routing.

Low risk

Simple to start. Easy to trust.

No long-term contracts

Month to month. If it's not working, walk away — no penalties.

Live in days

Setup takes days, not months. Forward your calls and you're covered.

You hear everything

Every call recorded, transcribed, summarized. No black box.

Clear pricing, no surprises

Simple monthly pricing agreed before we start. We'll walk you through it on a 20-minute call.

FAQ

Common questions, straight answers.

Still unsure? Book a short call — we'll walk through coverage for your agency.

Is this a call center?

No. It's a dedicated receptionist service configured specifically for your agency — your carriers, your intake process, your escalation rules. It's powered by modern voice technology configured for insurance workflows.

Will my clients know they're not talking to my staff?

The receptionist introduces itself as part of your agency's team and handles calls professionally and consistently. Most callers care about one thing: someone picked up and helped them.

What happens with urgent calls?

You define escalation rules. Genuine emergencies get routed to your on-call person immediately; everything else is handled, logged, and waiting for you in the morning.

Does it replace my CSR?

No — it backs them up. Your team keeps handling business hours. Cometa covers what they physically can't: nights, weekends, and the calls that come in when every line is busy.

How fast can we start?

Typically 3–5 business days from kickoff: we configure your intake questions, test the flows with you, and you forward your after-hours line.

Who owns the call data?

You do. Transcripts, recordings, lead data — all yours, even if you leave.

Get started

Stop paying for
missed calls.

Request a demo call, or book a 20-minute consult. We'll tell you exactly how many calls you're losing — and what it costs.

Book a coverage consult →

No contracts. No setup drama. Cancel anytime.