Built for independent insurance agencies
HarborIQ starts as the carrier intelligence your whole team uses every day: cited appetite answers, logins, documents, and news for every carrier you work with. $199 a month, any size, live the same day, no migration. When you are ready to move the book, the same login runs the whole agency.
14-day free trial on Markets. Published pricing. Month to month.
Cited answers across 75 carriers.
Ask any appetite question. Get the source, with a date on it.
One price for the whole team.
Never a fee per person. Hiring never raises your bill.
Live the same day.
Markets needs no migration. The book moves when you are ready.
Ask it yourself
Pick a question an agent asked this month. The answer comes from real carrier documents, with the source and its date attached.
Pick a question above to see a cited answer.
Real answers, real documents, real dates. Carrier names changed while our carrier partnerships are finalized, the way films say “based on a true story.” Inside the product your team sees the real names.
That was 3 carriers. The other 72 are inside.
Start with MarketsThe reality
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.
Meanwhile the answer to “will this carrier even write it?” lives in a PDF, a portal, or the one veteran who happens to be at lunch. So the question gets asked again. Every season.
And 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
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.
Seeing is believing
Busy screens look like value in a sales demo. Then your team lives in them. A good screen decides what matters before you sit down. A gray grid makes you hunt for it.
Fourteen buttons, ten menus, every row the same gray. When everything looks equally important, nothing is. So you hunt. Every time.
This screen already decided what matters before you sat down: today’s three priorities, the renewals at risk, and a search box that answers carrier questions with sources.
That gray screen is not any one vendor. It is all of them. If you recognized it instantly, you just proved the point.
The questions nobody is asking
Because they were built in different decades by different companies, and merging them would break how those companies charge you. There is no workflow reason. Your client record and your prospect pipeline belong in one place.
Per-seat pricing is a growth tax. The software costs the vendor almost nothing when your new CSR logs in. The fee exists because the contract says it can. HarborIQ prices by agency size, never by seat.
Long implementations are a business model. The setup fee funds a services team, and the sunk cost keeps you from leaving. One agency shared a quote with us: $25,000 and 3 to 4 months to migrate. Our book import is measured in days, and free with annual prepay.
Because the answer lives in a PDF, a portal, or a veteran's head, and it walks out the door when they do. HarborIQ answers from the carrier's own documents and keeps what your team learns, so the agency remembers even when people move on.
Every one of these has the same honest answer: the old way is profitable for the vendor. The companies that built it cannot give it up without giving up how they get paid. We built HarborIQ without those rules, so we never have to defend them.
One product, two ways in
Every HarborIQ agency starts with the same platform. The only feature line in the product is the book. Start where nothing has to move, and when the two-system tax gets old, the upgrade is one import, not another migration.
Start here · self-serve
$199/mo · any size, 1 to 15 people · whole team included
Run every carrier relationship in one place and never guess appetite again. No system of record, no migration, nothing to move. Live the same day.
Then move the book · with a demo
$199 solo · $399 for 2 to 5 · $599 for 6 to 15
Everything in Markets, plus the book. One login replaces the AMS, the CRM, and the carrier tools. Same product at every price. Nothing is withheld, you just pay for your size.
Annual prepay: a month free, and the book import free. One month's fee for the import on monthly. Above 15 people, talk to us.
A day in the life
Seven moments, one real day. Meet Linda, owner of a 4-person agency in Jacksonville. This is what her first 8 hours look like.
Guides your day
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.
Tracks carrier moves
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.
Protects your book
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.
Knows every carrier
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.
Better quoting, not just faster
Two quotes back on a new prospect. The cheaper one quietly drops a coverage. HarborIQ catches it.
The assistant compares what each quote actually covers, flags the gaps, and drafts the plain-English explanation your client deserves. Cheapest is not always best. Now you can show why.
Keeps clients close
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.
Keeps the business tight
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.
Not another generic CRM
Every carrier has its own vocabulary for the same coverages. HarborIQ translates automatically so your team quotes faster and makes fewer errors.
Most agency software only tracks your current book. HarborIQ tracks every prospect from first inquiry to bound policy, with reminders that actually work.
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
Five agents, same job, real published prices. Most agencies also pay for a CRM overlay (AgencyZoom or GoHighLevel) on top of the AMS, because the AMS cannot track a prospect. That is the stack HarborIQ Agency replaces.
| Applied Epic | EZLynx | HawkSoft | AMS + AgencyZoom | HarborIQ Agency | |
|---|---|---|---|---|---|
| What 5 agents pay annually | $21,600 | $6,900 | $7,500 | $9,900 | $4,788 |
| What you pay to start | $24,000 | $1,500 | $3,500 | $0 | $0 with annual prepay |
| 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 Agency
Applied Epic
EZLynx
HawkSoft
AMS + AgencyZoom
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. The AMS + AgencyZoom column pairs a mid-market AMS with AgencyZoom’s published starting price; swap in GoHighLevel ($97 to $297/mo plus usage fees) if that is your stack. HarborIQ Agency shown at its 2 to 5 person price, $399/mo flat. Edit any row in the ROI calculator just below to match your numbers.
Your numbers, not ours
Pick what you use today. Edit anything that does not match your situation. Sources are listed under the calculator.
First year, switching to HarborIQ Agency
$145,812
At your size, HarborIQ Agency is $399 per month, flat. Never per person. Your current stack: $1,800 per month.
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
“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.”
Alex Ricketts
Office Manager, 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.”
Andy Sertler
Principal, Sertler and 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
We know switching AMS feels risky. We designed onboarding so it isn’t.
CSV from your current system. We’ll tell you exactly what to pull.
Our team handles the data migration, deduplication, and setup.
Hands-on walkthrough. Your agents are productive from day one.
Worth your time
Every agency management system manages current clients. None of them manage the prospect who said call me in six months.
Read →
Per user fees punish you for growing. Flat agency pricing changes the math.
Read →
Five disconnected tools is not a stack. It is a tax on your best people.
Read →
Integrations move data between systems. A single source of truth removes the need.
Read →
A note from the founder
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
Markets is $199/mo at any size, live the same day. Agency runs the whole operation at $199 solo, $399 for 2 to 5, and $599 for 6 to 15. Published, month to month, never per seat.
Free book import with annual prepay. One month’s fee on monthly. Cancel anytime.
Not ready for a demo? Get updates as we launch.