HarborIQ Agency OS
The whole agency on one record.
Clients, policies, pipeline, renewals and the carrier answers in one login, and what to work on today, this week and this quarter. Your AMS keeps the carrier downloads and the accounting; HarborIQ is the working copy your team opens all day. Shown on a 20-minute walkthrough.
Annual prepay: a month free, and the book import free. One month's fee for the import on monthly. Never a fee per person.
The stack, collapsed.
Clients and policies
One record per client: policies, documents, claims, payments, and communications, with encrypted, audited storage for sensitive data. Life business lives in the same record as the P&C book.
Pipeline
Every prospect from first inquiry to bound, including the one who said call me in six months.
Renewals
Surfaced weeks early, high-value clients first, so you re-quote before they shop.
Quoting
The right carriers first, one quoting profile, and a comparison that shows what the cheap quote leaves out.
Team performance
Quotes, binds, premium, and close rate per producer, with goals everyone can see.
Payday
Commissions with splits, per-producer statements, and payout tracking. Producers stop asking where their money is.
Reports
Book of business, production ranking, retention, and an executive view. Numbers you can actually run the agency from.
The carrier tools, included
Carrier Ask with cited answers, Carrier News, the login vault, the self-building knowledge base, team chat, and license and CE tracking.
Pipeline
Never lose another prospect.
Most agency systems track current clients. Almost none track the prospect who said “call me in six months.” Use Agency OS as your CRM, or connect the one you have.
- Every prospect has a stage, a next step, and a follow-up date. No sticky notes.
- Each morning, the highest-priority follow-ups are waiting for your team.
- See which prospects are most likely to close and which need attention.
Renewals
Hear about a renewal before your client starts shopping.
Retention is where independent agencies win or bleed. Agency OS puts every expiring policy in front of you weeks ahead.
- Every expiring policy on one screen, sorted by date and priority.
- High-premium clients and clients facing a rate increase are flagged first.
- Retention by producer, month, and line, so you know if the book is growing or leaking.
Quoting
The best quote isn’t always the cheapest. Now you can show why.
Clients don’t remember who quoted fastest. They remember who caught the gap in the cheap quote and explained it straight.
- Carrier Ask checks appetite first, so nobody quotes a carrier that was never going to write it.
- One quoting profile per client, with a record of where each answer came from.
- Quotes side by side, with the dropped coverage and the higher deductible flagged.
Team performance
Coach your team with numbers, not guesswork.
Know what each producer is quoting, binding, and closing, and what to work on today, this week, and this quarter.
- Quotes, binds, premium written, and close rate per producer, updated as they work.
- When deals stall at the same stage, you see the pattern and coach the behavior.
- Production goals per producer, visible to the whole team. Activity logs itself.
The switch
The import is the upgrade, not a project.
Our wizard reads CSV and PDF exports from your current system, deduplicates, matches carrier names, and stages anything it cannot place for your review instead of guessing. Onboarding is measured in days. One legacy vendor quoted an agency 3 to 4 months and $25,000; we think that says everything about whose software the migration serves.
Not ready to move the book? Start with a free workspace or Intelligence at $49 per agency a month. All three run alongside your current AMS, and adding the rest of Agency OS is one import, whenever you say so.
See it with your own book in mind.
A 20-minute walkthrough of Agency OS, built around how your agency works today. Never per person.
Not ready to move the book? Start with Intelligence at $49 a month.