For small independent insurance agencies
The reply to each service email, the note to the client whose renewal came back higher, and the chase for a commercial renewal’s paperwork. An AI tool, set up by hand for your office, drafts them every morning. Your licensed person reads every draft and sends it. Nothing goes out on its own.
I’m Raj, and The Draft Desk is one person: me. No agency runs it yet. I’m taking three agencies this fall.
Hi Linda,
Your homeowners policy renews on November 14. The new premium is $2,116 a year, up from $1,840 last year.
Left blank for your licensed person: why it went up, and what we suggest.
Reply here or call us with any questions before the 14th.
What it does
Many agency systems now sort and file the email, send the routine renewal reminder and issue the certificate. What they leave is the writing that comes next, and that is what piles up on a service desk.
01
A client writes in to add a car, change the mortgagee, ask about a bill or ask for proof of coverage. Under each message sits a drafted reply and a note for your file, with the policy number and the details from the message already typed in, in your office’s voice.
Many systems already: file the message under the right client.
02
The routine reminder is the easy one. The hard one goes to the client whose premium went up. The draft carries last year’s number and this year’s side by side, then stops. The line about why, and what you would suggest, is left blank for your licensed person, because that part needs a license.
Many systems already: send the routine reminder, and many flag the increase.
03
On a commercial renewal the file opens early. The emails asking for the signed application, the loss runs and the documents that never came back are drafted for each client by name, and so is the next reminder when nobody answers.
Many systems already: put the renewal on the expiration list.
Drafts only. Every draft waits for your licensed person, who reads it, fixes it or throws it out, and sends it.
How it works
Most agency systems put it in a spreadsheet in a couple of clicks. Read it before you send it. What you see is exactly what I see.
It reads the mail and saves its drafts there. It cannot send any. Your admin grants it and can switch it off from your side, without calling me.
Your licensed person reads each one, fixes it or throws it out, and sends it. Every Friday you get a summary of what came in, what got drafted and what it got wrong that week.
It does not write into your agency system. The note for the file comes ready to paste, and you keep the system you run today.
One hour in week one with whoever handles renewals now, and ten emails your office already sent, names blacked out, so the drafts sound like you. After that, someone reads drafts before they go. That is real time, and I won’t call it zero.
An office that runs on its carrier’s own system and email usually cannot grant this access. If your agency agreement does not allow it, I will not ask for it.
The deal
Before day one
We write one target together, in a single sentence, and both sign it. For example: every message in the service inbox has a drafted reply by five o’clock the same business day.
Day 30
You decide whether it hit. If you say it missed, it missed. You owe nothing, I turn it off, and you get a written account of why.
Any day before that
Want out, for any reason at all? Send one email. We stop, and there is no invoice.
Once the target is met
$1,000a month
Put $1,000 next to what a service seat pays each month, not next to a software subscription. It does not replace the person in that seat. It takes the first draft off their desk, so their day goes to the phone and the clients.
Where it stops
Those take a license. The software has none, and neither do I. It also never touches a cancellation or a reinstatement. That line is mine, not the state’s, because the day one of those goes out wrong is the day somebody has no coverage.
California’s rule, 10 CCR 2193.1, says an unlicensed person may prepare binders, certificates, endorsements, ID cards and policies for a licensee’s review and signature, and may never sign them, analyze coverage, give advice or make a recommendation. I hold the software to that line wherever your agency is.
If a client asks whether her nephew can drive her car this weekend, it does not answer. It drafts a two-line note saying your licensed person will call today, and puts the question in their queue.
It will get some drafts wrong. The design is that it is wrong in front of your person, not in front of your client. If it misses the same way twice, tell me and I fix the pattern, not just the one email.
Who is behind it
The Draft Desk is one person: me. I’m 22, and I am not a licensed agent. Both facts are on this page so neither one is a surprise when we talk.
An insurance broker paid me to take the messages coming into his service email and turn them into tasks. The Draft Desk is that job, built out so it runs every morning. I have not asked him whether I can name him here, so I don’t.
No agency runs it yet. I am taking three this fall, because three is what I can set up by hand around the way each office already works. You would be the first, the second or the third, and you should hear that from me instead of finding it out later.
If it misses, I would rather turn it off and tell you why than keep your money. You get me, not a ticket queue.
Your data
The full written security program is yours on request, laid out the way your E&O renewal application asks the questions.
Contact
Tell me which agency system you run and what piles up on your service desk. If it is not a fit, I will tell you so.
Or call (279) 263-5608