Overview
Apps & Bits is an AI workflow automation platform for independent insurance agencies, built to address the operational burden agencies face managing multiple disconnected systems and high volumes of routine tasks.
The company delivers custom automation across three operational domains: front-office communications, agency workflows, and back-office reconciliation. Its flagship product, Lorina, is an AI phone receptionist that handles inbound calls, SMS follow-ups, appointment scheduling, and lead capture around the clock. Beyond Lorina, the platform covers quote automation, policy checking and renewals, certificate and endorsement processing, claims intake, and billing reconciliation -- all integrated with an agency's existing Agency Management System and CRM rather than replacing them.
Apps & Bits operates as a bootstrapped startup with a small team, founded by a technology executive with prior enterprise data, SaaS, and AI systems experience. The platform targets North American independent insurance agencies, including specialized workflows for high-complexity coverage scenarios such as California FAIR Plan and Difference-in-Conditions policies.
Products & Services
Lorina (AI Receptionist)
AI-powered phone receptionist purpose-built for insurance agencies. Handles inbound calls 24/7, captures messages and lead information, sends call summaries to agency staff, manages SMS follow-ups and missed-call text-backs, books and reschedules appointments, and routes calls based on custom agency workflows.
Key Features
- 24/7 inbound call handling with voice AI
- Automated SMS follow-up and missed-call text-back
- Calendar booking and appointment management
- Lead capture and email summaries to agency staff
- CRM and AMS integration at higher tiers
Target Users: Independent insurance agencies
Quote Automation
Automated quoting and proposal generation integrated with agency AMS and CRM platforms, reducing manual data entry and processing time for agency staff.
Target Users: Independent insurance agencies
Policy Checking & Renewal Automation
Automated policy audit workflows at renewal, checking coverage details and flagging discrepancies before renewals are processed.
Target Users: Independent insurance agencies
Certificate & Endorsement Automation
Automated processing of certificates of insurance and policy endorsements, reducing handling time for high-volume routine requests.
Target Users: Independent insurance agencies
Claims Intake Automation
Automated claims entry and initial workflow routing, streamlining the first notice of loss process for agency staff.
Target Users: Independent insurance agencies
CA FAIR Plan Workflow Automation
California-specific automation addressing FAIR Plan and Difference-in-Conditions coverage workflows, built to handle the operational complexity from California homeowners insurance market disruption.
Target Users: California independent insurance agencies
Billing Reconciliation
Automated agency accounting and billing reconciliation, reducing manual matching and exception handling in agency back-office operations.
Target Users: Independent insurance agencies
AMS Connectivity
Integration layer connecting all automation modules to an agency's existing Agency Management System platforms, enabling data flow across the agency's tool stack without replacing existing systems.
Target Users: Independent insurance agencies
At a Glance
- Headquarters
- San Carlos, California, USA
- Employees
- 1-10
- Funding
- Bootstrapped
Category & Focus
- Category
- Customer Engagement
- Subcategories
- AI Receptionist Workflow Automation Agency Operations
- Insurance Verticals
- P&C Personal P&C Commercial
- Target Customers
- Agents/Agencies
Customers
- No named customers publicly disclosed
Links
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Last updated: 2026-06-21