01The basics · 2 min
What is an AI agent?
An AI that does a job, not just one that answers a question.
An agent is an AI model given a goal, some tools and permission to act. It reads the case, decides the next step, uses a tool (a claims system, an inbox, a spreadsheet), checks what happened, and goes round again until the job is done or it hands over to a person.
A chatbot answers; an agent acts. So when it gets something wrong, it doesn’t just say it, it does it. 62% of organisations are already building, testing or deploying agents,5 and three in four enterprise AI use cases are now a vendor’s, not their own.4
Source: KPMG AI Quarterly Pulse, Sep 2026 5
Source: Menlo Ventures, 9 Dec 2025 4
- 01Read the case
- 02Decide the next step
- 03Use a tool
- 04Check the result
- Read the caseClaim 4471: a rear-end collision. Photos, the policy number, a repair estimate.
Check yourself
Two questions. Get both right and this one joins your butterfly.
Question 1 of 2
What makes an AI agent different from a chatbot?
Question 2 of 2
An agent can’t tell whether a claim is covered. What should it do?