The insurance broker CRM that flags renewals 90 days before expiry.
Every upcoming renewal in one pipeline, scored for risk with the reasons named — so you know who to call first.
- 1.A policy enters the pipeline 90 days before expiry
- 2.The risk score and its reasons are on the row
- 3.Log the call and the stage updates
Why Canadian brokerages choose CovioIQ
From first enquiry to a renewed policy.
Every stage below is a real record in CovioIQ, not a diagram. Two of them happen without anyone doing anything.
- 01LeadA contact arrives with a source and a lead score built from that source, recent activity and what is on file.
- 02OpportunityQuoting work moves through seven stages, from first contact to proposal sent, negotiation and won.
- 03Policy boundYou record the bound policy: carrier, premium and cadence, effective and expiry dates, commission rate.
- 04Becomes a clientThe contact is promoted from lead to client the moment a policy on it goes active. Nobody has to remember.Automatic
- 05Renewal appearsThe policy enters the renewal pipeline as expiry approaches, scored for churn risk with the reasons named.Automatic
- 06Follow-upLog the call, email or meeting. The renewal moves stage and the contact date updates with it.
- 07RenewedCompleting the renewal writes the next term, carries the commission rate forward and schedules the next cycle.
CovioIQ records the work and tells you what needs doing. It does not place calls, email your clients or bind coverage — those stay with your team and your carriers.
Prioritize renewals. Organize follow-up.
Four views of the same book. Every panel below is the product, running on sample data.
What needs your attention, first thing.
The dashboard opens on the work itself: renewals due, leads without a next action, overdue follow-ups, and the book totals behind them.
Sample dataAsk your book a question.
Alex answers from your own records — the clients, policies, renewals, opportunities, tasks and logged activity already in CovioIQ. Ask in plain language and it tells you what it found and where to go next.
Alex cannot send an email or a message, create or change a record, or complete a task. When you ask it to, it says so and names the screen where you can. Coverage advice, quoting and binding stay with your licensed team.
Names, company, policy and renewal facts go to the model. Phone numbers, email addresses, dates of birth, notes and document contents do not.
- What needs my attention today?
- Which clients have not been contacted in a while?
- Summarise the Sandhu account.
- What follow-ups are overdue?
- Which policies are expiring without a next action?
The records a brokerage actually runs on.
Renewals are where CovioIQ starts, not where it stops. Each of these is a first-class record you can search, filter, import and export.
Import clients and policies by CSV and export them again whenever you want. Your records stay yours.
Keep your existing broker management system.
On re-import, clients already in your book are matched by email and existing records are not overwritten. A policy number already in CovioIQ is reported rather than imported twice, so add new policies as they are written and edit changed ones directly.
How import works- Flat pricing by plan
- Hosted in Canada
- Built around PIPEDA and Law 25
- Bilingual EN / FR
Three roles, and what each one can do.
CovioIQ has three roles. Not five, not a permissions matrix nobody configures — three, with the difference between them enforced in the database rather than hidden in the interface.
Works the clients assigned to them, and any client nobody is assigned to yet. Logs calls, moves renewals through the pipeline, owns tasks and sees their own document activity.
Everything a broker can, on any client in the brokerage. Invites and removes team members, changes roles, and sees document activity across the agency.
Everything an admin can, plus authority over other owners — only an owner can change an owner's role. Holds billing and the agency itself.
The renewal cycle, without the reminders.
Four of these six steps happen without anyone doing anything. The two marked as yours are the two that should be: talking to the client, and deciding the outcome.
- Runs on its ownThe renewal appearsA nightly job puts every active policy approaching expiry into the pipeline. No reminder to set, nothing to remember.
- Runs on its ownIt gets a risk score, with reasonsPremium change, how long the client has been with you, how many policies they hold, and how long since anyone logged contact. The factors are shown, not just the number.
- Runs on its ownIt reaches the attention queueRanked against everything else that needs a broker today, and sent to the in-app queue plus an optional daily digest email to your team.
- YouYou contact the clientBy phone or email, however you already work. You log the call and the renewal moves stage with it.
- Runs on its ownSilence gets recorded as silenceA renewal still open 30 days past its date is marked unresolved, not lost. An outcome nobody recorded is not evidence the client left.
- YouYou record the outcomeMarking it renewed writes the next term, carries the commission rate forward and starts the next cycle in one transaction.
There is no workflow builder here, and no rule that emails your clients for you. CovioIQ does not contact them at all — it makes sure you know who to contact, and records it when you do.
Built for the brokerage that has a renewal problem.
CovioIQ suits a brokerage keeping its own book current and working renewals by hand today. It is not a carrier system, a rater or an accounting package.
A spreadsheet and a good memory, or this.
The left column is how most brokerages run renewals today — a BMS for the record of truth, a spreadsheet for the work, and someone remembering the rest. We are not comparing against a named competitor, because we have not tested their software.
- Renewal visibility
- Spreadsheet and memorySomeone exports expiries and sorts by date, when they remember to.
- CovioIQActive policies enter the pipeline on their own as expiry approaches.
- Follow-ups
- Spreadsheet and memoryA note in a column, or a calendar reminder nobody else can see.
- CovioIQLogged as a call, email or meeting, and the renewal stage moves with it.
- Client context
- Spreadsheet and memoryOpen the BMS, the inbox and the shared drive, then reconstruct it.
- CovioIQPolicies, renewals, opportunities, documents and the activity trail on one record.
- Task ownership
- Spreadsheet and memoryWhoever is in the cell, if the cell is filled in.
- CovioIQAn owner, a due date and a priority, with cancelled treated as closed rather than outstanding.
- Team visibility
- Spreadsheet and memoryAsk, or open someone else's file and hope it is current.
- CovioIQFilter the attention queue to one broker or the whole brokerage, and see what is unowned.
- Automation
- Spreadsheet and memoryNone. The spreadsheet does not do anything on its own.
- CovioIQRenewals generated, churn scored and stale outcomes marked unresolved, nightly.
- AI assistance
- Spreadsheet and memoryNone, or a general chatbot with no access to your book.
- CovioIQAsk Alex about your own records. It answers and points you at the screen; it never acts for you.
- Reporting
- Spreadsheet and memoryWhatever the spreadsheet totals, recalculated by hand.
- CovioIQBook premium, expected commission and pipeline as they stand today, with drilldowns.
Built for Canadian privacy law.
Hosted in Canada
Your database runs in the AWS Canada (Central) region in Montréal, encrypted at rest and in transit.
Built around PIPEDA and Law 25
Row-level security on every table, so each agency sees only its own records. You can correct or delete client records at any time.
Role-based access
Owner, admin and broker roles, with owners and admins managing who is in the agency.
Row-level security, everywhere
All 35 tables in the database enforce agency isolation in the database itself, not in the interface. A query that forgets the filter still returns nothing.
Document activity is logged
Uploads, downloads and deletions are recorded per agency. Members see their own; owners and admins see the brokerage's.
Your records stay yours
Export clients and policies to CSV whenever you want, and delete your account and its data from Settings. No exit negotiation.
Not yet SOC 2 certified. Third-party certification audits are not complete. Ask us for current security documentation.
Read the security pageConnected to the tools your brokerage uses
Today that means CSV import, in and out, plus the email and billing CovioIQ runs itself. Four more connections are in development and fourteen are planned with no date committed. The split below is the honest one, so you can see exactly where your brokerage stands before you commit.
If a direct integration would decide it for you, tell us which one. It changes what we build next.
See every integration and its statusHow many kept renewals pay for a year?
Enter your own numbers. This is a break-even point, not a promise: CovioIQ does not claim any retention result.
9renewals kept pay for a year of CovioIQ.
- Commission on one renewal
- $216
- Plan cost per year
- $1,788
- Break-even as share of book
- 1.5%
At that rate you already lose about 90 renewals a year. Break-even is 9 of them — 10% of what you are losing now. CovioIQ does not promise to save any of them; this only shows the size of the bet.
Commission only, before splits and taxes, at the monthly plan price. No retention improvement is assumed.
Team is $149/mo CAD — see how the plans compareFlat CAD pricing, 4 plans.
One price per plan, in Canadian dollars, billed monthly. Every plan starts with a 14-day free trial, and the plan you pick here is the plan you are charged for.
Solo
For individual brokers getting startedSolo Pro
For solo brokers ready to scaleTeam
For growing brokeragesAgency
For established agencies14 days free, and no credit card to start. Cancel any time from billing settings — access runs to the end of the period you have paid for, and there is no cancellation fee.
Compare plans in full →Questions
Does CovioIQ replace my broker management system?
No, and it does not try to. Import your clients and policies by CSV and work renewals in CovioIQ alongside the system you already use. A direct BMS sync is not built — Applied Epic, Vertafore SIG and Power Broker are planned, not connected, with no date committed.
Does CovioIQ contact my clients?
No. CovioIQ never emails, texts or calls your clients. It tells your team who to contact and records it when you do — every outbound conversation is still yours.
How is churn risk calculated?
From signals already in your records: how much the premium rises at renewal, how long the client has been with you and how many policies they hold. The reasons are shown with every score. We don't publish an accuracy percentage until we can verify one.
Can Alex send emails or update records for me?
No. Alex answers questions about your own book and tells you which screen to act on, but it cannot send a message, create or change a record, or complete a task. Coverage advice, quoting and binding stay with your licensed team.
Which integrations actually work today?
CSV import and export for clients and policies, including duplicate-safe re-import. Gmail, Microsoft Outlook, Google Calendar and a webhooks API are in development. Carrier feeds and BMS connections are planned with no date committed.
Where is my data stored?
In Canada, in the AWS Canada (Central) region in Montréal. Lead and churn-risk scores are calculated there too. The optional AI assistant, Alex, sends the records it needs to answer a question to Anthropic in the United States; email, phone, address and date of birth are never sent.
Can I cancel anytime?
Yes, from your billing settings. Access continues to the end of the billing period you've paid for, and there are no cancellation fees.
What if I have more than 5 users?
The Agency plan ($349/mo) includes unlimited users. For anything beyond that, contact us.
How long does setup take?
Import your client and policy lists from CSV and you can start working your renewals the same day. Gmail and Outlook sync is still in progress. No IT team required.