Amanda Hausman
Carrier perspective, Pekin Insurance
“I have looked at a lot of tools for independent insurance agencies. This is the most beautiful UI and most thoughtful usage of AI in the category I've seen. I am impressed.”
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 locks 33% off for life. Ask about it on your demo. Offer closes August 1, 2026.
Every renewal surfaced 60 days early.
Proactive instead of reactive.
One search box for every carrier appetite question.
Knowledge that is findable, not memorized.
Zero per user fees, ever.
Flat pricing that does not punish you for growing.
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.”
AMSRaterCRMReviewsCarrier DocsSpreadsheets
HarborIQSix 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.
HarborIQAgency ManagementNew BusinessFaster QuotesProactive RenewalsClient LoyaltyTeam CoachingCarrier Knowledge
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.
Five real systems. Five agents on each. Same job. Different price, different speed, different amount of work left for your team.
| Applied Epic | EZLynx | HawkSoft | AgencyZoom | HarborIQ Team | |
|---|---|---|---|---|---|
| What 5 agents pay annually | $21,600 | $6,900 | $7,500 | $9,900 | $4,188 |
| What you pay to start | $24,000 | $1,500 | $3,500 | $0 | $349 |
| Days to first quote | 90 to 120 | 30 to 60 | 45 to 90 | 14 to 30 | Within a week |
| Tools your team logs into | 2 or more | 2 or more | 2 or more | 2 or more | One |
| Renewals surfaced before they slip | Manual reminders | Manual reminders | Manual reminders | Workflow rules | Automatic, 60 days early |
| Carrier appetite, answered in seconds | Not built in | Not built in | Not built in | Not built in | Built in |
HarborIQ Team
What 5 agents pay annually$4,188
What you pay to start$349
Days to first quoteWithin a week
Tools your team logs intoOne
Renewals surfaced before they slipAutomatic, 60 days early
Carrier appetite, answered in secondsBuilt in
Applied Epic
What 5 agents pay annually$21,600
What you pay to start$24,000
Days to first quote90 to 120
Tools your team logs into2 or more
Renewals surfaced before they slipManual reminders
Carrier appetite, answered in secondsNot built in
EZLynx
What 5 agents pay annually$6,900
What you pay to start$1,500
Days to first quote30 to 60
Tools your team logs into2 or more
Renewals surfaced before they slipManual reminders
Carrier appetite, answered in secondsNot built in
HawkSoft
What 5 agents pay annually$7,500
What you pay to start$3,500
Days to first quote45 to 90
Tools your team logs into2 or more
Renewals surfaced before they slipManual reminders
Carrier appetite, answered in secondsNot built in
AgencyZoom
What 5 agents pay annually$9,900
What you pay to start$0
Days to first quote14 to 30
Tools your team logs into2 or more
Renewals surfaced before they slipWorkflow rules
Carrier appetite, answered in secondsNot built in
Sources: documented public pricing and quotes shared with us by agencies that evaluated these systems before choosing HarborIQ. The Applied Epic figures come from a 2026 quote a 5-person agency received. Edit any row in the ROI calculator just below to match your numbers.
Your numbers, not ours
What HarborIQ would recover in your first year.
Pick what you use today. Edit anything that does not match your situation. Sources are listed under the calculator.
Your numbers
Estimated first year recovery
First year, switching to HarborIQ Team
$146,412
HarborIQ Team is $349 per month, flat. No per user fees.
- Annual software cost difference
- $17,412
- Onboarding cost avoided
- $24,000
- Annual hours recovered
- 1,750 hrs
- Annual time recovered, at your hourly rate
- $105,000
From a 2026 quote a 5-person agency received before choosing HarborIQ. $24,000 onboarding, $1,800 per month for 5 users, 90 to 120 days to execute. Defaults come from published pricing and what agencies have told us they are paying. Edit any input above to model your own numbers.
What people are saying after seeing HarborIQ
Alex Ricketts
Office Manager, Sertler and Associates
“I have been doing this for years and nothing has come close to how HarborIQ thinks about my day. The screens are clean, the summary catches what I would miss, and the carrier work that used to eat my afternoons is finally somebody else's problem.”
- Hours back every afternoon
- 1 login, not 6
Andy Sertler
Principal, Sertler and Associates
“We've tried other tools. They all do one thing. This is the first platform that actually works the way our agency works.”
- Team performance, visible
- Happier employees
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.
1
Export your data
CSV from your current system. We’ll tell you exactly what to pull.
2
We import & clean
Our team handles the data migration, deduplication, and setup.
3
Your team is running
Hands-on walkthrough. Your agents are productive from day one.
Worth your time
Read the thinking behind the product.
BLOG
Why your AMS can't track prospects
Every agency management system manages current clients. None of them manage the prospect who said call me in six months.
Read →
BLOG
The real cost of per user pricing
Per user fees punish you for growing. Flat agency pricing changes the math.
Read →
NEWSROOM
The coming compression of independent-agency software
Five disconnected tools is not a stack. It is a tax on your best people.
Read →
NEWSROOM
Sync was never the answer
Integrations move data between systems. A single source of truth removes the need.
Read →
Frequently asked questions
A note from the founder
Why I am building this.
I spent more than 100 hours sitting next to independent agents. Watching them retype the same client info into three carrier portals. Hunting through email for a renewal that already slipped. Reading sticky notes that should have been alerts. The category was built around the system, not around the agent.
HarborIQ is the platform I would want if I ran a 5 agent shop. One login. Renewals that surface before they slip. Carrier knowledge that is findable in seconds. Flat pricing that does not punish you for growing. We are shipping it with named founding partners, not focus groups, and every feature is in response to a real agent’s day.
Justin Mayer, Founder, HarborIQ
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.
Founding partner pricing locks 33% off for life. Offer closes August 1, 2026. Limited to 20 agencies.
Not ready for a demo? Get updates as we launch.