HarborIQ Intelligence
Never guess appetite again.
Ask any appetite or underwriting question. Get the answer with the carrier’s own guideline and its date attached.
$29 a month per agency. 300 carrier checks. Your whole team included.
Smarter with every file
It learns your agency, not just the carriers.
Your guides, in the answers
Drag in the appetite guides, bulletins, and rate sheets from your portals. Carrier Ask searches them alongside the carrier documents it already has.
Good answers stay with the agency
When an answer is worth keeping, save it with one click. The next person doesn't have to ask, and the knowledge doesn't leave when a veteran retires.
Everyone gets the same answer
Your newest producer and your most experienced one see the same cited answer. One price covers the whole team.
Getting started
Your first answer takes a minute.
Ask a question
Type the risk the way you'd search Google: a 1978 roof, a late-night restaurant, a new driver. No setup first.
Check the source
The carrier's guideline and its date come with every answer, so you can confirm before you quote.
Add what you have, when you want
Drop in files from your portals whenever you get to it. Every file makes the next answer better.
What $29 gets you
One price for the whole agency. Never per person.
Everything you set up in the free workspace makes Intelligence smarter. The contacts, guides, and bulletins your team adds become part of what Carrier Ask searches.
Not ready yet? Start with the free workspace.
Introductory price
$29per agency / month$49 standard
Lock in $29 a month for your first 12 months when you start by December 31, 2026. A price guarantee, not a contract: cancel any time. Annual: $290 for the first year, then $490. Get 2 months free with annual billing.
- 300 carrier checks each month, shared across your agency
- Need more? $10 adds 100. No automatic top-ups.
- Every answer cites the carrier's own document and its date
- Runs beside your AMS. Nothing to migrate.
Frequently asked questions
Where do the answers come from?
From carrier documents: underwriting guides, appetite bulletins, and program rules, plus any guides your agency adds. Every answer shows the document it came from and the date it was published, so you can check it before you quote.
Do I have to learn a new system or set anything up?
No. It's a search box. If you can Google, you can use it, and your first answer needs no setup. It does get smarter the more you give it. Have one person spend an hour dragging in files from your carrier portals: appetite guides, bulletins, underwriter contacts. From then on, your whole team's answers draw on your agency's own documents too.
Can I keep my AMS or CRM?
Yes. Use HarborIQ alongside the tools you have. You decide which information and workflows come into HarborIQ.
What counts as a carrier check?
One carrier question and its source-backed answer. Intelligence includes 300 checks each month, shared across your agency. Asking about several carriers in one question is still one check. If you run out, wait for the monthly reset or buy a $10 pack of 100 more. There are no automatic top-ups.
Get your first carrier answer today.
$29 a month for your whole agency through December 31, 2026 (standard $49). 300 checks a month, no automatic top-ups.
No demo needed. Nothing is charged until you confirm.