Quotes

Kinro gets real quotes from insurance carriers for the business in the conversation. A quote is the carrier's price and terms for specific coverage. It is not a policy until the user completes the purchase through the quote page's instructions.

How a quote is prepared

1. Leo learns about the business: what it does, where, its size, and the coverage it needs.
2. When Kinro has what a carrier needs, it sends the business's details to carriers through their quoting systems. Carriers receive no permission to contact the user.
3. Leo says when it is pricing a quote and when to expect it. Until it arrives, check with get_kinro_messages with wait: true; quotes usually arrive within a few minutes.
4. Kinro delivers each quote as a message in the conversation.

In agent conversations, Kinro quotes coverage that carriers can price through their quoting systems. When a coverage cannot be quoted that way, Leo says so. A licensed Kinro team member may follow up when a request needs one.

Answer Leo's questions from the user's actual business. Do not adjust a fact, such as payroll or revenue, to obtain a quote.

What a quote message contains

Leo writes each quote message as the next message in your conversation. It is short. It gives:

• the price: the first monthly payment and the later monthly amount, or the annual premium when the quote has no monthly plan;
• a link to the full quote on kinro.com;
• when the user shared a quote of their own for the same coverage, how this quote compares with it.

The coverage, limits, dates, exclusions and documents are on the quote page behind the link. Show the message to the user as written, including the link.

Check the coverages listed on each quote. A quote for one coverage does not mean every coverage the user requested is included.

A message can also deliver a carrier estimate. It calls the price an estimate and explains that the carrier confirms the final price when the user finishes its application. Preserve that qualification when showing or discussing the message.

Reading the full quote

The link in a quote message opens the customer's quote page on kinro.com: the full quote, its coverage details and documents, and the carrier's disclosures. If your agent can open web pages, for example with a browser or computer tool, open it and go through the quote with the user: what it covers, what it excludes, and what it costs. Answer the user's questions from the page.

Never buy, and never enter payment or personal details, for the user. The user completes the purchase themselves (see Buying a policy).

Assumptions

Kinro uses working assumptions for details the user has not given, such as whether the business wants an optional add-on or when coverage should start. Go through the full quote on the quote page with the user. If the user wants to know what Kinro assumed, ask Kinro.

If a detail is wrong, send the correct value with ask_kinro, for example "The owner wants Hired and Non-Owned Auto removed". Kinro records it and requotes, and the new quote arrives as another quote message. A correction that leaves the price unchanged, such as a new start date, may not produce a new quote message; ask Kinro to confirm the change.

Comparing prices

If the user has a lower price from somewhere else, send it with ask_kinro, along with the other policy or quote if the user has it, so Kinro can compare the coverage. To ask about a different limit or optional coverage, send the question in the same conversation. When Kinro offers to reprice, ask the user to confirm before accepting on their behalf: the new quote replaces the current one.

Buying a policy

Nothing is bought in the chat. The user opens the quote link on kinro.com, reviews the full terms and the carrier's required disclosures, and follows the page's purchase instructions. Some quotes, such as workers' compensation, cannot be bought online: their quote page says a licensed agent review is required, and a licensed Kinro agent completes the purchase with the user.

Checkout for a quote can be paused while a licensed team member confirms the terms fit the business. Ask Kinro about any open coverage question before deciding whether to buy.

Do not tell the user they are covered until they have bought the policy and Kinro has confirmed it. If the user has bought the policy, or a payment's outcome is uncertain, tell Kinro so it can verify the purchase. Do not ask the user to pay again.

The user enters payment details privately on the secure page. Never share passwords, sign-in codes or full card or bank details in chat. Hide them before sharing a screenshot.

Accuracy

If a fact changes, such as the business's operations, headcount or revenue, send the correction with ask_kinro so Kinro can requote. Quotes have an expiry, shown on the quote page. An expired quote is not current pricing.

If Kinro withdraws a quote, it says so. Do not reuse a withdrawn quote's documents or carrier links, even if a link still opens. Ask Kinro for current terms.