SAN FRANCISCO, Sept. 22, 2026 /PRNewswire/ -- Adapt, the leading automation platform for insurance, today announced the launch of the Late Pay Agent, an autonomous agent that helps P&C insurance agencies prevent cancellations for non-payment.
Most agencies follow up with late-pay customers manually and don't have a repeatable process they can hand to a new employee. The Late Pay Agent removes interruptions from the agency's day-to-day by automating the entire late-pay chase.
- Agencies spend significantly less time chasing late payments, so they can focus on higher-value tasks. Adapt runs the outreach until a payment is recorded, so nobody has to remember to stop the sequence. With the Late Pay Agent, agencies have seen a 63% reduction in suspense volume landing on their desks.
- Agencies get every step documented, lowering E&O risk: each message sent and received is recorded in the agency's management system.
- Agencies maintain their communication standards with their customers: Adapt sends every email from the agency's own mailbox; texts and calls come from the agency's phone number. Agencies can choose which customer segments to include.
Agencies only pay when their customers do
Adapt charges per payment resolved, however many emails, texts and calls it takes. If the insured pays before Adapt reaches out or if the policy ends up canceling, there's no charge.
"Agencies win on service, and service is capped by how many hours account managers have. Chasing late payments is thankless work, and it's also what keeps a customer insured. The Late Pay Agent takes it on and works every case until the premium is paid." — Jacob Simon, founder of Adapt
Up to 93% of policies saved before they lapse
Agencies with a consistent late-pay process lose 5.1 times fewer policies to non-payment. The Late Pay Agent closes that gap, saving up to 93% of the policies that reach a pending cancellation.
The Late Pay Agent gives account managers and CSRs back more than an hour a day previously spent chasing pending cancellations, enabling them to focus on higher-leverage work.
"It's essentially giving us another employee. Adapt's Late Pay Agent has made a process less onerous, which has then created other opportunities across the board for expansion and thought in the company that weren't there previously." — Elaine Giuliani, Director of Personal Lines, Latitude Insurance
Adapt's core products eliminate the need for agencies to log in to carrier portals, automating the mail process. The Late Pay Agent takes the next step, working each pending cancellation through to resolution.
Book a demo at adaptinsurance.com/late-pay.
About Adapt: Adapt is the leading automation platform for insurance. Trusted by top-50 insurance brokers in the U.S., Adapt has automated more than 10 million transactions for insurance agencies of all sizes.
Adapt is headquartered in San Francisco, California. To learn more, please visit adaptinsurance.com.
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SOURCE Adapt
