The AI-native AMS + CRM for independent insurance agencies
Run your agency from one smarter command center.
Pipeline, clients, quoting, and follow-ups in one platform. One login. Zero per-user fees.
Founding Partner pricing. 33% off locked for life. Offer closes August 1, 2026.
The reality
Two hours to quote one customer.
That’s not a people problem.
Your agents open Progressive in one tab, Geico in another, Travelers in a third. Same client. Same address. Same vehicle. Typed three times. Each carrier uses different words for the same coverages.
Then the prospect from last month who said “call me in six months”? Gone. Your management system tracks current clients, not the ones who haven’t signed yet.
Your team works hard. They deserve tools that work just as hard.
The old core
Independent agents deserve better than the patchwork.
Captive agents at State Farm and Allstate get a single, purpose-built system on day one. One login. One workflow. One screen.
Independent agents? A 15-year-old management system for current clients. A handful of carrier portals that each speak a different language. Sticky notes for follow-ups. A prayer that nothing falls through the cracks.
The agents who offer more choice, more advocacy, and better service are stuck with the worst tools in the industry.
That ends now.
“What got you here won’t get you there.”
Six tools. One platform. Zero per-user fees.
The new core
A command center, not a collection of tools.
HarborIQ replaces the patchwork with one AI-native platform designed around how agencies actually run. Your pipeline, clients, quoting, renewals, carrier knowledge, and team performance all speak the same language. Inside a single login.
One login. Every workflow. Built-in AI.
A day in the life
Tuesday, 8:15 AM. Here’s what HarborIQ does before lunch.
Seven moments, one real day. Meet Linda, owner of a 4-person agency in Jacksonville. This is what her first 8 hours look like.
- 8:15 AMFeat 01
Guides your day
Start every day knowing what matters
Linda opens her laptop. HarborIQ has her day laid out.
The three things that actually move the business today. Surfaced, in order, with one tap to act.
- 8:45 AMFeat 02
Tracks carrier moves
Know what every carrier did overnight
Appetite updates, new products, and guideline changes. Summarized before coffee.
No more inbox archaeology. HarborIQ reads carrier bulletins so your team doesn't have to.
- 9:30 AMFeat 03
Protects your book
Never leave a renewal on the table
A nudge: Whitfield Roofing renews in 14 days. Draft already written.
Lost renewals are lost income. We flag the ones at risk weeks ahead, draft the outreach, and track replies.
- 10:30 AMFeat 04
Knows every carrier
Answer any carrier question in seconds
A client asks if Travelers writes roofers in FL. Linda asks HarborIQ. Answer in 4 seconds.
Searchable, cited, up-to-date. Every appetite guide, addendum, and worksheet your team has ever uploaded.
- 1:30 PMFeat 05
Quotes every carrier
Six carrier quotes in minutes, not hours
New prospect. Six carrier quotes come back while she pours coffee.
Hours of re-keying become minutes. Send your client options ranked by fit, with coverage notes in plain English.
- 3:30 PMFeat 06
Keeps clients close
Stay in front of clients without thinking about it
3 birthday SMS drafts sit in her approval queue. Tap, tap, tap, sent.
Retention lives and dies on the small touches. We draft them; you approve them in one tap.
- 5:00 PMFeat 07
Keeps the business tight
Compliance, team snapshot, tomorrow ready
Before the laptop shuts: CEU hours, license renewals, who's winning, who's stuck. All in one glance.
No spreadsheets. No surprises. Tomorrow's top three are already drafted.
See the IQ in action
Ask anything. Get answers instantly.
HarborIQ’s built-in intelligence lets your team search across clients, carriers, policies, and tasks in natural language. No digging through tabs. Just ask.
Not another generic CRM
Built by watching agents work. Not by reading about insurance on the internet.
No more translating between carriers.
Every carrier has its own vocabulary for the same coverages. HarborIQ translates automatically so your team quotes faster and makes fewer errors.
No more lost prospects.
Most agency software only tracks your current book. HarborIQ tracks every prospect from first inquiry to bound policy, with reminders that actually work.
Built for the way your team actually works.
Your agents sell, quote, service, and follow up. HarborIQ is designed for generalists who wear every hat, not specialists who only do one thing.
The real math
Stop paying more for less.
Most agencies piece together 3 or 4 tools and still have gaps. Here is what that actually costs for a 5-person team on the HarborIQ Team plan.
| HarborIQ Team | Per-Seat AMS | AMS + CRM Bolt-On | AI Quoting Tool | |
|---|---|---|---|---|
| Monthly cost (5 users) | $349 | $720+ | $800+ | ~$300 |
| Per-user fees | None | $94+/user | $94+/user | Varies |
| Prospect pipeline | Included | Not included | Separate tool | Not included |
| AI-assisted quoting | Built in | Not available | Not available | Yes (only) |
| Client management | Included | Included | AMS only | Not included |
| Number of logins | 1 | 1 | 2 or 3 | 2 or more |
HarborIQ Team
Per-Seat AMS
AMS + CRM Bolt-On
AI Quoting Tool
From the people who helped build it
We’ve tried other tools. They all do one thing. This is the first platform that actually works the way our agency works.
Andy Sertler, Principal, Sertler & Associates
I spend more time re-typing the same client info into carrier portals than actually talking to customers. Anything that fixes that changes everything.
Alex, Office Manager, Sertler & Associates
Built from 100+ hours embedded with real agencies
Designed with named founding partners, not focus groups
Every feature shipped in response to a real agent’s day
No 6-week migration
Switch in days, not months.
We know switching AMS feels risky. We designed onboarding so it isn’t.
Export your data
CSV from your current system. We’ll tell you exactly what to pull.
We import & clean
Our team handles the data migration, deduplication, and setup.
Your team is running
Hands-on walkthrough. Your agents are productive from day one.
Frequently asked questions
Founding partners get 33% off. For life.
Solo $119/mo, Team $229/mo, Operating System $399/mo. Locked forever. Standard pricing starts at $179/mo.
$100 refundable deposit. Offer closes August 1, 2026. Limited to 20 agencies.
Not ready to reserve? Get updates as we launch.