The agency software market has three tiers.
We don’t fit any of them.
Most comparison pages line up features and let you pick the winner.
That’s the wrong question.
The category
Three tiers, none built for where independent agencies are headed.
Legacy enterprise AMS
Applied Epic, AMS360
Built for 25+ person brokerages doing complex commercial. Opaque per-user pricing. Six-to-ten-week implementations. The pricing model rewards growth at the vendor and punishes growth at the agency.
Fit for
Larger brokerages that need extensive customization.
Pain for
Small independent agencies overpaying for complexity they will never use.
Mid-market cloud AMS
EZLynx, HawkSoft, NowCerts, QQ Catalyst
Cheaper than the enterprise tier, but still pre-AI architecturally. Per-user pricing. Separate raters, CRMs, and engagement tools bolt on top. Good enough for a long time. Not built for the next decade.
Fit for
Agencies who want lower cost than enterprise and tolerate the bolt-on stack.
Pain for
Principals who want one place to run the agency, not five.
AI-native point tools and overlays
Gaya, AgencyZoom, Sonant
Single-purpose tools that solve one workflow well, then sit on top of whichever AMS you already have. They make a fragmented stack faster. Not simpler.
Fit for
Agencies who want a specific workflow improvement without changing their AMS.
Pain for
Principals who realize faster quoting into a broken system is faster busywork.
What we built instead
An operating system, not another module.
AMS software was built in 2008 for 50-person brokerages and adapted downward. Independent agencies with 1-15 people got the worst version of the worst tool.
We’re rebuilding the category for the agency that actually exists today. The one running on five tabs, a spreadsheet, and a sticky note.
One client record. One pipeline. One renewals view. AI working in the background of every workflow because the data model was built for it from the start.
Justin Mayer, Founder
Rules we won’t play by
The things every major AMS does. We don’t.
No per-user pricing.
Per-seat pricing rewards the vendor every time you hire. We won’t play that game. Three flat tiers. Hire freely.
Pricing is published.
You know in thirty seconds whether you can afford us. Not in thirty days of “contact sales.”
No modules.
AMS, CRM, rater, marketing, accounting were built by different teams in different decades. The category-changer is the operating system, not the suite.
We sell less work.
Feature count is irrelevant if your team still has five logins. The question that matters is how many seconds of attention the system returns to your team every day.
Generous AI included.
Vendors who meter AI per token will look as quaint in five years as the ones who metered text messages do today.
Month-to-month default.
Refundable founding-partner deposit. Cancel any month. If the product earns retention on merit, the contract structure becomes a marketing asset.
What we honor
Insurance has real constraints. We respect every one of them.
Trust-account compliance is non-negotiable.
Three-way reconciliation is a legal requirement. Our accounting module ships Q1 2027. Until then, we run alongside your existing accounting.
Insurance-native, not Salesforce with templates.
The data model knows what a policy is, what a renewal is, and how carrier downloads work.
IVANS, not reinvention.
Carrier downloads live on IVANS. We integrate. We don’t try to rebuild the carrier network from scratch.
Your data is yours.
Exportable, in standard formats, at any time, with no exit fee. The vendor relationship lasts as long as the product earns it.
Where do you start?
Pick the system you’re on today.
Currently on Applied Epic?
Built for 50-person brokerages. If you’re 1-9 people, you’re being sold the same enterprise process by a small-agency rep.
Read the comparison →
Running AgencyZoom on top of an AMS?
AgencyZoom is the best overlay on the market. HarborIQ is the operating system that makes the overlay unnecessary.
Read the comparison →
Currently on EZLynx?
EZLynx built a great rater and bolted an AMS on top. Six-to-eight-week implementations. Tiered support queue.
Read the comparison →
Currently on HawkSoft?
HawkSoft is the best-loved AMS in the category. We don’t trash that. We’re building what comes next.
Read the comparison →
Still on a spreadsheet? Book a demo and tell us what you’d want. We’ll show you the operating system built for exactly that starting point.
The fastest comparison is a working demo.
Bring your messiest data. We will show you what one operating system looks like in practice, in under thirty minutes.
Founding partner pricing locks 33% off for life. Offer closes August 1, 2026. Limited to 20 agencies.