2026 Rankings · P&C agencies
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The directory of quoting tools, raters, AMS, CRM and AI agents for independent P&C agencies. Who each one fits, what it costs, and what's new.
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↗RelayOursReads client documents, fills in carrier portals, and prepares quotes, ACORDs and proposals.↗Applied EpicApplied launches Epic Conductor, an AI layer built into Applied Epic↗AMS360Vertafore rolls out four Velocity AI agents for AMS360, Sagitta and ImageRight usersAll New(s)Our picks
Our view of the top tools in each category. Nobody pays for a spot. How we rank · Browse every tool
RankToolBest forOur take
1RelayOursPersonal · CommercialAgencies on any AMS quoting across carrier portalsReads client documents, fills in carrier portals, and prepares quotes, ACORDs and proposals.Review →2SemseeBOP · WC · GLAgencies quoting several small-commercial linesBroad small-commercial carrier list, with a free tier.Review →3Tarmika BridgeBOP · WC · GLApplied Epic or EZLynx agencies quoting BOP and WCSingle entry for BOP and WC, tied tight to Epic and EZLynx.Review →4Bold PenguinBOP · GL · WCAgencies short on appointments needing market accessMarket access when you lack appointments; commission is split.Review →5HeraldBOP · GL · WCBrokerages building their own quoting flowAn API to build on, not a ready-made rater.Review →Ours Relay is built by the team behind Agency Tech Guide. How we rank our own product
RankToolBest forOur take
1EZLynx Rating EngineAuto · Home · Dwelling fireHome and auto agencies wanting one rater plus AMS330+ carriers, one login; top carriers still finished in portals.Review →2PL RatingAuto · Home · PackageVertafore AMS agencies writing personal linesThe pick for Vertafore agencies; binds some carriers in-rater.Review →3TurboRaterAuto · Home · CondoAgencies that also quote from their websiteBest when you also quote from your own website.Review →4QuoteRUSHHome · Auto · FloodHome-heavy agencies quoting home, auto and floodHome-focused; pulls rates straight from carrier sites.Review →5Applied RaterAuto · Home · UmbrellaExisting Applied Epic or TAM users already on itApplied now pushes Epic Quotes; confirm its future first.Review →RankToolBest forOur take
1RelayOursPersonal · CommercialAgencies on any AMS quoting across carrier portalsReads client documents, fills in carrier portals, and prepares quotes, ACORDs and proposals.Review →2GayaPersonal auto · Home · UmbrellaTeams re-keying data into carrier portalsFast copy-paste into portals; you still drive each quote.Review →3SuperAgent AIPersonal auto · HomeownersPersonal lines agencies with heavy lead volumePhone-first intake for heavy personal lines lead volume.Review →Ours Relay is built by the team behind Agency Tech Guide. How we rank our own product
RankToolBest forOur take
1RelayOursPersonal · CommercialAgencies on any AMS quoting across carrier portalsReads client documents, fills in carrier portals, and prepares quotes, ACORDs and proposals.Review →2QuandriHome · AutoPersonal lines agencies on Epic, AMS360 or HawkSoftStrong on personal lines renewals; narrow beyond them.Review →3CooperProperty · General liability · Workers' compCommercial agencies on Applied Epic or AMS360Broad commercial scope, but young with no public reviews.Review →4CaraCommercialCommercial agencies buried in quote, form and COI workModular commercial AI; integrations and pricing aren't public.Review →Ours Relay is built by the team behind Agency Tech Guide. How we rank our own product
RankToolBest forOur take
1Applied EpicPersonal · Commercial · BenefitsMulti-line agencies with 10 to 500+ staffThe standard for larger agencies; long learning curve.Review →2HawkSoftPersonal · CommercialSmall to mid-size independent P&C agenciesWell reviewed for small and mid agencies; Windows desktop app.Review →3AMS360Personal · CommercialIndependent agencies in the Vertafore ecosystemStrongest inside the Vertafore stack; reviewers flag cost.Review →4EZLynx Management SystemPersonal · CommercialPersonal lines-heavy agencies wanting AMS plus raterAMS plus a 330+ carrier rater; lighter on commercial.Review →5Momentum AMS (formerly NowCerts)Personal · CommercialSmall and growing agencies wanting a cloud AMSLow cost, no contract; many features on higher tiers.Review →6QQCatalystPersonalSmall personal lines agencies in the Vertafore worldSimple cloud AMS for small personal lines shops.Review →7JenesisNowPersonal · CommercialSmall personal lines agencies, especially in NCSmall-agency AMS with marketing bundled; thin public detail.Review →RankToolBest forOur take
1AgencyZoomPersonal · CommercialAMS360, QQCatalyst and NowCerts agenciesLive sync with AMS360, QQCatalyst and NowCerts only.Review →2InsuredMinePersonal · Commercial · BenefitsAgencies wanting a CRM layer over Epic, AMS360 or NowCertsLong AMS list; sync depth varies by system.Review →3Agency Revolution FusePersonal · CommercialAgencies automating renewal and cross-sell outreachMarketing automation first, sales CRM second.Review →4Better AgencyPersonal · CommercialSmall P&C agencies on Momentum (NowCerts)Low cost; only Momentum (NowCerts) has a documented sync.Review →RankToolBest forOur take
1RelayOursPersonal · CommercialAgencies on any AMS quoting across carrier portalsReads client documents, fills in carrier portals, and prepares quotes, ACORDs and proposals.Review →2Indio (Applied Collaboration Portal)CommercialCommercial agencies on Applied EpicDeep form library and Epic sync; built around Applied Epic.Review →3Canopy ConnectPersonal auto · Home · CommercialPersonal lines agencies collecting prior coveragePulls verified policy data fast; it collects data, not full apps.Review →4InsurGridPersonal auto · Home · UmbrellaSmall agencies wanting dec pages and ACORDs cheaply$99/month all-in; thin public proof beyond vendor claims.Review →5Instafill.aiGeneral liability · Commercial auto · Commercial propertyAgencies filling ACORD PDFs from mixed documentsFills many ACORDs from any source; no AMS sync, generic tool.Review →Ours Relay is built by the team behind Agency Tech Guide. How we rank our own product
RankToolBest forOur take
1Certificate HeroCommercialMid-size and large commercial agenciesStrong issuance controls and AI contract review; quote-only pricing.Review →2CertificialCommercialAgencies wanting free, auto-updating certificatesFree and auto-updating; value depends on holders using it.Review →3Applied CSR24 (Applied Epic Service Portal)Applied Epic agencies adding client self-servicePortal plus certificates in one; certificate features are basic.Review →4TrustLayerCommercial agencies offering COI tracking to clientsStrong holder-side tracking for clients; doesn't issue your COIs.Review →RankToolBest forOur take
1Patra Policy Checking AIBOP · Commercial package · Commercial propertyCommercial agencies wanting self-serve or done-for-youSelf-serve or done-for-you; personal lines only on custom work.Review →2Exdion Policy CheckCommercial lines · Personal linesCommercial agencies outsourcing manual checksMature checking with human backup; thin public detail.Review →3CoverflowCommercial lines · Personal linesApplied Epic agencies checking commercial renewalsCertified in Epic; young, with few published results.Review →4FulcrumCommercial lines · Personal lines · Employee benefitsLarge commercial brokerages replacing outsourcingProven at large brokers; built for big shops, pricing unlisted.Review →RankToolBest forOur take
1QuandriHome · AutoPersonal lines agencies on Epic, AMS360 or HawkSoftStrong on personal lines renewals; narrow beyond them.Review →2ReFocus AIHome · AutoPersonal lines agencies remarketing rate-hit renewalsRules-driven requoting at 39 carriers; half are still beta.Review →3InsurSyncHome · AutoHawkSoft agencies with personal lines renewalsReview, requote and email in one task; HawkSoft-only sync.Review →4RenewalCompassPersonal lines · Commercial lines · SpecialtySmall agencies tracking renewals in spreadsheetsCheap, simple renewal board; manual CSV imports, no requoting.Review →5AgencyZoomPersonal · CommercialAMS360, QQCatalyst and NowCerts agenciesLive sync with AMS360, QQCatalyst and NowCerts only.Review →6Agency Revolution FusePersonal · CommercialAgencies automating renewal and cross-sell outreachMarketing automation first, sales CRM second.Review →What's happening
Insurtech news, and what it means for your agency. All news
Travelers adds AI document upload to Travis for small business workers' comp quotes
Travis Upload & Go reads ACORD apps, dec pages and handwritten notes to prefill Travelers WC quotes. It is WC-only for now.
ReadApplied launches Epic Conductor, an AI layer built into Applied EpicEpic Conductor adds document extraction, policy checking, accounting automation and submission tracking inside Epic. Pricing and timing are not public.
ReadCooper becomes an Applied Certified Partner, with Epic connectivity includedCooper's AI tool now connects to Applied Epic through Applied's vendor certification program. No separate Applied API purchase is needed.
ReadOutmarket AI raises $34.5M Series B four months after its Series ASignalFire led the round for Outmarket, which sells AI policy checking and proposal tools that connect to agency management systems.
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