HarborIQ

HarborIQ is a CRM and carrier-research workspace built specifically for independent insurance agencies. It gives an agency one shared place for clients, prospects, policies, pipeline, renewals, tasks, notes, and carrier contacts. Its paid Intelligence layer adds search across the carrier documents an agency uses, returning an answer with the relevant source page attached. The product is meant to sit beside an existing agency management system, not force a risky replacement project. That positioning makes it a practical working layer for teams whose daily process is still split across an AMS, spreadsheets, inboxes, portal bookmarks, and knowledge held by a few experienced staff members.

The free CRM covers the records an agency needs to coordinate everyday work. Staff can add clients and prospects, track opportunities through a sales pipeline, assign ownership, record policies, and see upcoming renewals and follow-ups. HarborIQ turns policy expiration dates into a shared renewal list with owners and days remaining, so producers and service staff work from the same view. Tasks stay on the client record next to notes and relationship history. If someone is out or leaves the agency, the next person can see the context instead of reconstructing it from an inbox or asking around.

Agencies don't have to import everything before they can start. A team can begin with one client, add records gradually, or bring in a standard export from an AMS or spreadsheet. The site names Applied Epic, EZLynx, HawkSoft, NowCerts, AMS360, Excel, and CSV as supported sources. HarborIQ maps imported columns with the agency and keeps incomplete rows for review instead of silently discarding them. Periodic exports can keep the working copy current while the AMS remains the system the agency already pays for. Gmail is connected today, while Outlook is marked as coming soon. This gradual path lets an agency prove the workflow with a few records before asking the whole office to change how it works.

Intelligence addresses a different bottleneck. When a client describes a risk, staff can ask which carriers write it rather than opening multiple portals and searching several underwriting PDFs. HarborIQ reads appetite guides, underwriting guidelines, bulletins, program rules, and documents the agency has loaded. It answers from those materials and shows the carrier page behind the answer, giving the user a place to verify it before quoting. The product supports carriers, states, and lines based on the documents supplied by the agency. It isn't presenting a mysterious universal answer set that asks staff to trust an unsupported model response.

The product fits independent agencies from a single owner to teams of roughly fifty, across personal and commercial lines. The free CRM will appeal to a small agency that has outgrown scattered spreadsheets but doesn't want a generic CRM designed around unrelated industries. The Intelligence plan is a better fit for teams that repeatedly handle hard-to-place risks or lose time hunting through carrier guidance. Managers can also use the reporting and analytics included with Intelligence to understand shared research activity. Agencies larger than thirty people need to ask for a quote, so growing teams should confirm how account limits apply.

Several details make HarborIQ more grounded than a broad AI search pitch. Every research answer is intended to include its source page, the agency decides which documents go in, and the site says customer documents and data aren't used to train AI models. Data is encrypted in transit and at rest. Customers can export clients, policies, notes, and documents in readable files, and subscriptions can be canceled monthly. The price is set per agency rather than per seat for teams within the stated limit. Those choices support collaborative use, since an agency doesn't have to ration access to a handful of paid users.

HarborIQ uses a freemium model. The CRM is free for the whole agency, requires no card, and includes the pipeline, renewals, follow-ups, notes, periodic CSV imports, and a basic carrier workspace. Intelligence has an introductory price of $29 per month for the first twelve months when started by December 31, 2026, then renews at the standard $49 monthly price. It includes 300 shared carrier checks per month, cited research, and reporting. Packs of 100 additional checks cost $10 and aren't added automatically. This is a clear split for buyers who want the operational record for free and only pay when source-backed carrier research becomes useful.