Liberate, an InsurTech developer of AI agents for property and casualty insurers, has launched AI Intercept, a system designed to identify when an incoming insurance call is being made by a consumer’s AI assistant and transfer the interaction to Liberate’s AI platform.

The technology screens inbound calls to determine whether they have been placed by a person or an AI agent. Machine-generated calls can then be redirected to Liberate for automated handling, while human employees remain focused on customers seeking direct assistance.

Liberate’s launch comes as AI agents begin to play a larger role in how consumers interact with businesses. Meta began rolling out its Muse personal AI agent in the US on 8 September. Insurance marketplace Insurify subsequently blocked Muse from its platform, raising concerns that automated quoting could leave out important information including coverage limits, deductibles and eligibility requirements.

Liberate expects more consumer-facing AI agents to contact insurers and agencies to request quotes and manage policies. The company said this could create a new operational problem for carriers, with call volumes increasing even as a smaller proportion of those interactions translate into genuine customer demand.

Its AI Intercept system is designed to address that challenge through a four-stage process. It first identifies whether an incoming caller is an AI agent, then determines how the interaction should be handled and routes it accordingly. Liberate’s AI agent can subsequently manage the conversation across quoting, servicing and follow-up before its Supervisor Layer records the interaction and escalates to a licensed human when necessary.

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