Smarter quoting
The best quote is not always the cheapest. Now you can prove it.
Your clients will not remember who quoted fastest. They remember who caught the gap in the cheap quote and explained it straight. HarborIQ hands you the proof.
Quote the right carriers first
Carrier Ask answers the appetite question before anyone opens a portal. No more quoting a carrier that was never going to write the risk.
One quoting profile, built once
Property, vehicle, and business details organized in one place, with a record of where each answer came from. When a carrier asks, your agent is not re-assembling the file from memory.
Compare what quotes actually cover
The assistant reads the quotes side by side and flags the differences that matter: the dropped coverage, the higher deductible, the sublimit nobody mentioned. Cheapest is not always best, and now you can show why.
Deliver quotes like an advisor
HarborIQ drafts the plain-English explanation of the recommendation, so every producer presents options the way your best producer does. Clients buy the advice, not the spreadsheet.
How it works
Build the quoting profile
Enter the client's details once. The profile keeps everything a carrier will ask for, organized and ready.
Check appetite before you quote
Ask Carrier Ask which of your markets actually want this risk. Kill the dead-end quotes before they cost an hour each.
Compare, explain, and win
Bring the quotes back, see the coverage differences flagged, and send your client a recommendation they can understand and trust.
The truth about raters
You will never be fully happy with a rater. It is not the rater’s fault.
Carriers decide which products connect, how fresh the rates are, and whether a bridge works at all. Until the industry agrees on real standards, that ceiling holds for every rater on the market, including any we build.
So we started where the ceiling is not: the advice. The right carriers approached first, one organized quoting profile, and a comparison that shows what the cheap quote quietly leaves out. When the standards mature, we intend to build the best rater in the business. Until then, we will not sell you one.
Availability
Quoting profiles and quote comparison live in the Agency plan, where your book and pipeline are. Carrier Ask, which powers the appetite check, is included in every plan. Automated multi-carrier rating is on the roadmap, and we publish what is shipped versus what is coming; you will never find out the difference in a demo.
How HarborIQ compares
A comparative rater sorts by price. HarborIQ is built on a different belief: the agent who explains coverage best wins the client, and keeps them.
| Feature | HarborIQ | Typical AMS |
|---|---|---|
| Which carriers to quote | Appetite checked first, with cited answers | Guess, or quote everyone and waste the hours |
| Quote comparison | Coverage-level differences flagged automatically | Sorted by price, gaps invisible |
| Client explanation | Plain-English recommendation drafted for you | Every producer starts from a blank page |
| Multi-carrier rating | On our roadmap, built as far as carrier connections allow, and we say so plainly | Limited by the same carrier connections, sold as if they were not |
Start today. Move the book when you're ready.
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 person.
Annual prepay: a month free, and the book import free. One month's fee for the import on monthly. See pricing.