How to Build an Insurance Premium Calculator in ClickUp

Using ClickUp, you can design an AI agent that automates insurance premium calculation, turning complex rules into a clear, repeatable workflow for your team.

This step-by-step guide shows you how to recreate the Insurance Premium Calculation AI agent from the ClickUp template so you can adapt it to your own products, risks, and pricing rules.

Overview of the Insurance Premium AI Agent in ClickUp

The Insurance Premium Calculation AI agent template is designed to help you:

• Collect key customer and policy data in one place
• Apply underwriting and pricing rules consistently
• Explain premium results in clear, human language
• Speed up quote creation for common insurance scenarios

On the original template page, ClickUp provides example prompts, data inputs, and response patterns that guide you in configuring your own premium calculator.

You can review the source template here: Insurance Premium Calculation AI Agent.

Prepare Your Insurance Data for ClickUp

Before you configure anything inside ClickUp, gather the insurance information your AI agent needs to make consistent premium decisions.

Define the Products and Coverage Types

List every product or coverage the calculator must support. For example:

• Auto insurance (liability, collision, comprehensive)
• Homeowners or renters coverage
• Life or health policies
• Small business or commercial lines

For each product, outline the variables that affect the premium, such as coverage limit, deductible, or customer segment.

Document Your Rating and Underwriting Rules

Next, write down the practical rules that the AI in ClickUp will need to follow, including:

• Eligibility criteria and minimum requirements
• Base rates or reference tables
• Risk factors and typical surcharges or discounts
• Territory, age, or claims history adjustments

You do not need to expose your full pricing engine, but you should provide clear guidance, ranges, and examples so the AI agent can provide realistic estimates.

Set Up the AI Agent in ClickUp

Once your data is prepared, you can start building the AI agent flow inside ClickUp using the template as your reference.

Create the Insurance Premium Calculation Agent

1. Open your ClickUp workspace and go to the AI or automation area where agents are configured.
2. Locate the Insurance Premium Calculation template from the library or import it using the link on the template page.
3. Create a new AI agent based on that template so you can customize it without affecting the original.

This new agent acts as the core engine for your premium calculations inside ClickUp.

Customize the System and Instruction Prompts

The template provides a structured prompt that teaches the agent how to behave. Adapt it to your own business by:

• Replacing generic company references with your organization name
• Adding your specific product list and risk factors
• Clarifying which data is mandatory versus optional
• Setting tone and response style for customer-facing answers

Use concise instructions so the AI in ClickUp can consistently:

• Summarize the customer profile
• Identify coverage needs and assumptions
• Calculate an estimated premium or premium range
• Explain the reasoning in business-friendly language

Design the Input Form and Data Fields in ClickUp

The quality of the premium calculation depends on the information the agent receives. In ClickUp, this usually means designing a clear input structure.

Choose the Core Data Points

From your earlier preparation, select the minimum data your agent must collect, such as:

• Customer type (individual or business)
• Location or territory
• Coverage type and limit
• Deductible options
• Claims history and risk indicators

Add optional fields for information that refines the premium, but do not overwhelm the user. The prompt in ClickUp should also explain which fields can be approximated if the user does not know exact values.

Map Input Data to Prompt Variables

On the agent configuration screen in ClickUp, connect each field to the prompt so the AI can reference it explicitly. For example:

• {{customer_location}} for state or region
• {{coverage_type}} for the product line
• {{coverage_limit}} for insured amount
• {{deductible_amount}} for the selected deductible

Ensure that your system prompt clearly describes each variable so the AI knows how to use it in the premium logic.

Configure the Response Format in ClickUp

A consistent output format makes it easier for your team to read, compare, and log quotes.

Structure the AI Output

In the ClickUp template, the response usually follows a predictable structure. Adapt that pattern to your workflow, for example:

1. Summary: Brief description of the customer and requested coverage.
2. Eligibility Check: Whether the risk appears acceptable and why.
3. Estimated Premium: A range or single number with currency.
4. Factors Considered: Key items that affected pricing.
5. Recommendations: Suggested coverage changes or add-ons.

Write this structure into the agent instructions so every response uses the same headings and order.

Add Compliance and Disclaimers

Most insurance premium estimates must include clarifications. Update the AI prompt in ClickUp to always include:

• A note that results are estimates, not binding offers
• Any region-specific regulatory statements
• Instructions to contact a licensed agent for final terms

This keeps the AI-generated output aligned with internal and regulatory expectations.

Test and Refine Your ClickUp Insurance Agent

After configuration, test your agent thoroughly to confirm that premiums and explanations are aligned with your pricing approach.

Create Realistic Test Scenarios

In ClickUp, run multiple test requests that reflect real customer types, including:

• Low-risk, standard coverage scenarios
• High-risk or complex profiles
• Edge cases near eligibility limits
• Different territories, coverage limits, and deductibles

Compare the AI estimates against reference quotes from your rating tools or underwriting guidelines.

Iterate on Prompts and Data Rules

When you see inconsistent or inaccurate premiums, refine:

• The written rules in your system prompt
• Examples and sample calculations embedded in instructions
• Field descriptions and validation logic for user inputs

Repeat testing until the ClickUp agent gives stable, explainable premium outputs that your underwriting team accepts.

Deploy and Integrate Your ClickUp Premium Calculator

Once your agent is accurate, you can roll it out to your sales, service, or underwriting teams.

Decide Where the Agent Will Be Used

Typical deployment options inside ClickUp include:

• As a helper for sales reps drafting quotes
• As an internal underwriting assistant for quick triage
• As part of a workflow that logs results into tasks or records

Clarify who is allowed to use the AI agent and what training they need before using it with customers.

Connect with Your Broader Tech Stack

If you want to combine this AI agent with additional automation, consider integrating ClickUp with your CRM, policy admin system, or analytics tools. For advanced implementation or consulting support, you can explore partners such as Consultevo to help align the AI workflow with your existing platforms.

Maintain and Improve Your ClickUp Insurance Agent

Insurance pricing logic changes over time. Build a regular review process so your premium calculator in ClickUp stays aligned with current rates and underwriting rules.

• Schedule quarterly or monthly reviews of prompts and examples
• Update coverage options and new product lines as needed
• Collect feedback from users on confusing or inaccurate results
• Retest using fresh scenarios whenever you change rating assumptions

With a disciplined approach, the Insurance Premium Calculation AI agent in ClickUp becomes a reliable, scalable tool to support quoting and underwriting across your organization.

Need Help With ClickUp?

If you want expert help building, automating, or scaling your ClickUp workspace, work with ConsultEvo — trusted ClickUp Solution Partners.

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