Agency platform

One record, from first quote to every renewal after.

BindIQ is insurance agency software that unifies CRM, comparative rating, agency management, and renewals for independent property and casualty agencies. BindIQ puts comparative rating, your CRM, and your agency management system on the same record. Nothing gets rekeyed. Nothing gets lost between systems.

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Household recordLakeshore Insurance Group
Renewal due
M. Alvarez · R. WhitfieldMI / TX
  1. Lead createdM. Alvarez household added to Lakeshore Insurance Group.08:42:11
  2. QuotedR. Whitfield quote attached to the same record in MI.08:47:03
  3. BoundAUT-4471-88 bound with D. Okafor as the service owner.09:03:28
  4. Endorsement addedCoverage change recorded against HOM-2210-07 in AZ.11:16:44
  5. Payment receivedPayment received for the $1,284.00 current premium.13:20:06
  6. Renewal dueAUT-4502-13 renewal due in TX; next review is ready.2026-10-02
1shared client record
3rate calls in a quote flow
4connected workflow stages

Most agencies run three systems that do not know about each other.

The rater has the quote. The CRM has the conversation. The management system has the policy. The same customer exists three times, in three shapes, and somebody keeps them in sync by hand.

01

Everything gets keyed twice

Every quote starts from a blank screen, even for a customer you have written for six years.

02

Renewals go out quietly

The book sits in one system and the market sits in another. Nothing compares them until the customer is already gone.

03

History does not travel

The call, the text, the coverage they declined. Scattered across systems, or gone entirely.

How BindIQ works

One record. Three surfaces.

A lead becomes a quote. A quote becomes a policy. A policy becomes a renewal. In BindIQ that is one record moving through its life, not four records in four systems.

The rater can see the book.

The CRM can see the coverage.

The management system can see every conversation that led to the sale.

Everything the agency does, in one platform.

The nucleus

CRM

Every lead, contact, household, and conversation. Pipeline built for insurance, lead economics that go all the way to bound premium, and follow-up that does not depend on anyone remembering.

  • Household record with a full timeline.
  • Lead ingestion and cost per bound policy.
  • Assignment and distribution rules.
  • Cross-sell and win-back triggers.
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Rating

Real-time comparative rating across carriers, rate call 1 through 3, running on your own appointments.

  • Rate calls 1, 2, and 3.
  • Prefill for drivers, vehicles, and property.
  • Bridge to carriers without an API.
  • Client-ready proposals.
Explore Rating

Agency management

The book of record. Policies, endorsements, commissions, documents, and the audit trail behind every one.

  • IVANS and AL3 policy download.
  • Endorsements, cancellations, reinstatements.
  • Commission and statement reconciliation.
  • E&O audit trail.
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Why one record matters

The book re-rates itself before renewal.

BindIQ already holds your book. BindIQ already rates the market. So every month it re-rates the policies coming up for renewal and tells you which ones should move, and why.

No export. No spreadsheet. No producer remembering to check.

  1. 01
    01 / book

    The book is in the system.

    Every policy, term, premium, and coverage.

  2. 02
    02 / rater

    The rater is connected to it.

    Same system, same record, same appointments.

  3. 03
    03 / list

    The list writes itself.

    Renewals ranked by how much is on the table.

Renewal queueLakeshore Insurance Group
3 policies
M. AlvarezAUT-4471-88Sep 15, 2026$1,417.50$968.25↓ Save $449.25Re-shop ready
R. WhitfieldAUT-4502-13Oct 02, 2026$1,284.00$1,284.00→ No change $0.00Renewal due
D. OkaforHOM-2210-07Oct 21, 2026$968.25$1,052.40↑ Increase $84.15Review required

This only works when the rater and the book of record are the same system.

How renewals work
AI and communications

The follow-up happens whether or not anyone remembers.

AI texting, AI voice calls, and a power dialer, all inside the record. Every message and every call attaches to the contact and the policy, and every call comes back as a written summary.

Consent is captured per contact and per channel, with a full history. If you are buying leads and dialing them with AI, that record is the part you cannot afford to improvise.

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Multi-agency

One agency or a thousand. Same platform.

Network, agency, branch, producer. Every level sees its own book and rolls up to the one above it. Branding, permissions, and commission splits follow the hierarchy.

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Integrations

It works with what the agency already runs.

Email, calendar, phone, accounting, and the AI models underneath. BindIQ connects to the tools already on the desk rather than asking anyone to abandon them.

Microsoft 365
Google Workspace
Gmail
Google Calendar
Microsoft Outlook
Microsoft Calendar
Anthropic
OpenAI
QuickBooks
Twilio
SendGrid
Zoom
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Built for the part nobody markets.

consentTCPA consent captured per contact and channel, with full history
paymentsPCI scope handled for down payments and premium collection
accessRole-based access control and a complete audit log
ownershipYour data belongs to your agency
Security details

See it on your own book.

Bring a handful of your policies and a state you write in. We will walk through rating, the record, and the renewal list.

Request a demo