Never miss a renewal — and never lose track of a commission — again. InsuranceDesk is the AI-powered CRM built specifically for independent insurance agents and small agencies. Manage your full book of business — client profiles, every policy, carrier details, renewal dates, commission tracking, and E&O documentation — in one conversational interface. No complex setup, no API keys, start adding policies in minutes. ## What's included - **Unlimited client + policy tracking** — type, carrier, premium, expiration, commission rate, deductibles, endorsements, loss history per policy - **Renewal pipeline with urgency alerts** — color-coded 90 / 60 / 30 / 7 day buckets; surfaces every expiring policy so nothing slips through the cracks - **Personalized renewal letter generator** — auto-drafted per client with coverage summary, rate change explanation, comparison context, and clear call-to-action; follow-up email cadence built in - **Commission ledger** — log new business + renewals, monthly P&L by line of business, YTD reconciliation, carrier-by-carrier breakdown - **Coverage gap detector** — automatically flags clients missing umbrella, flood, GL, workers comp, EPLI, cyber, D&O, key person — based on what they already carry and their declared exposures - **E&O documentation assistant** — logs every material interaction (coverage recommendation made, declined, accepted) with timestamp; the audit trail that wins E&O claims - **Carrier appetite notes** — track which carriers write what classes of business and at what commission rates so you quote the right markets first - **Book-of-business snapshot** — total in-force premium, retention rate, line-of-business mix, new business YTD, lost business YTD - **Win-back pipeline** — flags cancelled clients for 6-month re-quote follow-up; the cheapest new business is the client who already trusted you once - **Built-in line coverage** — P&C personal (auto, home, umbrella, renters), commercial (BOP, GL, WC, auto, property, cyber), life + health, specialty (flood, earthquake, equine, drone) ## Limitations - **Not an AMS** — pairs with AMS360 / Applied Epic / EZLynx for raters + carrier integrations; this is the front-of-house CRM layer - **Not a rater** — doesn't pull live quotes from carriers; pairs with PL Rating / TurboRater / EZLynx Connect - **Not a payment processor** — tracks commissions earned; carrier payments hit your account via existing direct-deposit - **Not legal counsel** — E&O documentation is starter; actual E&O claims need defense counsel from your carrier - **U.S.-state-licensed-agent-focused** — Canadian + UK + AU broker regulatory frameworks entirely different ## Best fit Independent agents, captive agents side-managing their own book, small agencies (1-10 producers), P&C personal-lines specialists, commercial-lines brokers, life + health brokers. Especially valuable for agents managing 200-2,000 policies — the renewal urgency stack + coverage gap detector typically catches 10-15% of clients with under-coverage gaps (an avg $800-$2,400/year in additional commission per cross-sell), and the E&O documentation alone prevents the most expensive mistake in the industry (an undocumented coverage recommendation that costs $25K-$500K to defend).
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