# CovioIQ > Insurance broker CRM for Canadian brokerages. Client and policy records, a renewal pipeline that fills itself 90 days before expiry, and rule-based churn-risk and lead scores with the reasons shown. Bilingual EN/FR. Hosted in Canada (AWS Canada Central). Flat pricing in CAD from $49/month; the Team plan is $149/month for up to 5 users. 14-day free trial, no credit card. CovioIQ is made by Brainfy AI Inc., Langley, BC. Support: admin@covioiq.com. ## What is live today - Contacts, policies (personal and commercial P&C, life, health), opportunities pipeline, tasks, notes, documents - Renewal pipeline: active policies enter 90 days before expiry; stages upcoming, contacted, quoted, renewed, lost - Optional daily renewal digest email to the broker (overdue renewals, then the next 30 days); off by default, never sent to clients - Churn-risk score (0–100) on every upcoming renewal from premium change, client tenure and policy count, reasons shown; scores of 70+ flagged. Estimates only; broker judgment required - Lead score (0–100) on every contact from source, recent activity and details on file - Cross-sell suggestions for auto, home, life, business and health - Alex AI assistant (Team and Agency plans): answers plain-language questions about the book using Anthropic's model, processed in the United States. Contact details, dates of birth, notes and documents are not sent. Advisory only; no coverage advice - CSV import of clients and policies from any system; manual entry - Analytics page with book metrics, policies by type, opportunities by stage and a commission summary, exportable to PDF - Team roles (owner, admin, broker), row-level security so each agency sees only its own records - Stripe billing in CAD, customer portal, annual or monthly ## Not available yet (planned or in development) - Connections to broker management systems (Applied Epic, Applied TAM, Vertafore SIG, Power Broker) and carriers (Intact, Aviva, Wawanesa, Definity, RSA): planned, no date committed - Gmail, Outlook and Google Calendar sync: in development - Renewal or marketing emails sent to clients, bulk email, open tracking: not available - Sub-broker hierarchies, commission splits, binding authority (MGA wholesale features): not available - SOC 2 or ISO 27001 certification: not held ## Key pages - Home: https://www.covioiq.com/ - Pricing (CAD): https://www.covioiq.com/pricing - Best insurance broker CRM in Canada, buyer's guide: https://www.covioiq.com/best-insurance-crm-canada - Integrations and their status: https://www.covioiq.com/integrations - All features, one page: https://www.covioiq.com/features - Client management: https://www.covioiq.com/features/contacts - Policy management: https://www.covioiq.com/features/policies - Renewal management: https://www.covioiq.com/features/renewals - Churn-risk scoring (rule-based): https://www.covioiq.com/features/churn-prediction - Opportunities pipeline: https://www.covioiq.com/features/opportunities - Lead scoring (rule-based): https://www.covioiq.com/features/lead-scoring - Cross-sell gap estimates: https://www.covioiq.com/features/cross-sell - Alex AI assistant: https://www.covioiq.com/features/alex - AI transparency: https://www.covioiq.com/ai-transparency - Security and privacy (PIPEDA, Quebec Law 25): https://www.covioiq.com/security - FAQ: https://www.covioiq.com/faq - Blog: https://www.covioiq.com/blog - Live demo with sample data: https://www.covioiq.com/demo - Book a walkthrough: https://www.covioiq.com/book-demo - French homepage: https://www.covioiq.com/fr - CRM pour courtier d'assurance (French): https://www.covioiq.com/fr/crm-courtier-assurance - Guides hub: https://www.covioiq.com/guides - Guide, what a broker management system (BMS) is, the systems Canadian brokerages use, and where a CRM fits: https://www.covioiq.com/guides/broker-management-system-canada - Guide, CRM vs broker management system (BMS): what each does and what Canadian brokers need: https://www.covioiq.com/guides/crm-vs-broker-management-system - Guide, Running a CRM beside a BMS such as Applied Epic, TAM or Power Broker: https://www.covioiq.com/guides/crm-alongside-broker-management-system - Guide, What an agency management system is (the US term for a BMS): https://www.covioiq.com/guides/insurance-agency-management-system - Guide, Cloud vs on-premise software for brokerages: https://www.covioiq.com/guides/cloud-vs-on-premise-insurance-software - Guide, What an insurance CRM costs in Canada: https://www.covioiq.com/guides/insurance-crm-pricing-canada - Guide, CRM implementation cost worksheet: https://www.covioiq.com/guides/insurance-crm-implementation-costs - Guide, Getting a brokerage team to use a new CRM: https://www.covioiq.com/guides/insurance-crm-adoption - Guide, Cleaning up CRM data without losing anything: https://www.covioiq.com/guides/insurance-crm-data-cleanup - Guide, Getting your data out of a CRM (portability): https://www.covioiq.com/guides/insurance-client-data-export - Guide, How to organize a book of business: https://www.covioiq.com/guides/organize-insurance-book-of-business - Guide, How to reduce policy churn: https://www.covioiq.com/guides/reduce-policy-churn - Guide, Renewal reporting and KPIs: https://www.covioiq.com/guides/insurance-renewal-reporting - Guide, Lead management for brokerages: https://www.covioiq.com/guides/insurance-lead-management - Guide, Lead scoring rules, with the arithmetic shown: https://www.covioiq.com/guides/insurance-lead-scoring - Guide, Re-engaging old leads without becoming spam: https://www.covioiq.com/guides/re-engage-insurance-leads - Guide, Commission management for brokers: https://www.covioiq.com/guides/insurance-commission-management - Guide, Quebec Law 25 for insurance brokers: https://www.covioiq.com/guides/law-25-insurance-brokers - Guide, Social media for Canadian brokers: https://www.covioiq.com/guides/social-media-for-insurance-brokers - Guide, AI prompts for broker admin work: https://www.covioiq.com/guides/insurance-ai-prompts - Templates hub (free, no email required): https://www.covioiq.com/templates - Template, Client tracking spreadsheet (Excel, no email required): https://www.covioiq.com/templates/insurance-client-tracking-spreadsheet - Template, 90-day renewal checklist: https://www.covioiq.com/templates/insurance-renewal-checklist - Template, Renewal call script: https://www.covioiq.com/templates/insurance-renewal-call-script - Template, Email templates for brokers: https://www.covioiq.com/templates/insurance-email-templates - Template, Client onboarding checklist (CSV): https://www.covioiq.com/templates/insurance-client-onboarding-checklist - Template, Sales pipeline template (CSV): https://www.covioiq.com/templates/insurance-sales-pipeline - Template, Commission tracker spreadsheet: https://www.covioiq.com/templates/insurance-commission-tracker - Template, CRM requirements checklist: https://www.covioiq.com/templates/insurance-crm-requirements - Template, Social media calendar: https://www.covioiq.com/templates/insurance-social-media-calendar - All comparisons hub: https://www.covioiq.com/vs - Comparisons: https://www.covioiq.com/vs/maximizer, https://www.covioiq.com/vs/acturis, https://www.covioiq.com/vs/applied-epic, https://www.covioiq.com/vs/agencyzoom, https://www.covioiq.com/vs/ams360, https://www.covioiq.com/vs/hubspot, https://www.covioiq.com/vs/salesforce, https://www.covioiq.com/vs/zoho, https://www.covioiq.com/vs/ezlynx, https://www.covioiq.com/vs/hawksoft, https://www.covioiq.com/vs/agencybloc - ROI calculator (estimates, assumptions shown): https://www.covioiq.com/roi-calculator - Compliance overview: https://www.covioiq.com/compliance - Subprocessors and data locations: https://www.covioiq.com/subprocessors - How to delete an account and what is kept: https://www.covioiq.com/delete-account - About Brainfy AI Inc.: https://www.covioiq.com/about - Help centre: https://www.covioiq.com/help - Contact: https://www.covioiq.com/contact Full article text in one file: https://www.covioiq.com/llms-full.txt ## Guides Long-form articles for Canadian insurance brokers. This list is generated from the site's own blog data at build time, so it stays complete. - [Insurance Broker Automation: Where to Start](https://www.covioiq.com/blog/spreadsheets-to-smart-workflows-ai-automation): Renewal tracking, rule-based lead scoring, CSV import. What the CRM does automatically vs. what brokers own. Insert-only imports, nightly renewal scores. - [7 Tasks Your Insurance CRM Should Automate](https://www.covioiq.com/blog/7-tasks-insurance-crm-should-automate): Seven everyday broker tasks worth automating in an insurance CRM, from renewal reminders to reporting, so Canadian producers spend more time selling. - [Predictive Analytics for Insurance: Churn & Cross-Sell](https://www.covioiq.com/blog/predictive-analytics-churn-cross-sell): How insurance brokers use CRM data to spot churn risk and cross-sell gaps: the signals to watch, data you need, pitfalls, and how to measure results. - [PIPEDA & Quebec Law 25 CRM Privacy Guide for Brokers](https://www.covioiq.com/blog/pipeda-law25-crm-privacy-guide): A practical privacy guide for Canadian insurance brokers: PIPEDA principles, Quebec Law 25 obligations, and the CRM controls and checklist to support them. - [How to Choose a Compliant AI CRM for Canadian Insurance](https://www.covioiq.com/blog/choose-compliant-ai-crm-canadian-insurance): Vendor checklist for Canadian insurance agencies choosing an AI CRM: encryption, data hosting, audit trails, AI transparency and due diligence questions. - [CASL for Insurance Brokers: Email and SMS Consent](https://www.covioiq.com/blog/email-text-consent-client-communications-crm): How Canadian insurance brokers manage CASL consent for email and SMS in a CRM: express vs implied consent, unsubscribes, DNCL rules and audit trails. - [Personal Lines Renewal Pipeline: CRM Best Practices](https://www.covioiq.com/blog/high-converting-renewal-pipeline-personal-lines): Build a stage-by-stage renewal pipeline for personal lines: risk segmentation, value-first outreach, objection handling, binding and post-renewal follow-up. - [Commercial Lines Pipeline Management for Brokers](https://www.covioiq.com/blog/commercial-lines-pipeline-management-insurance-crm): Manage long commercial insurance sales cycles in a CRM: pipeline stages, multi-carrier submission tracking, stakeholder mapping and velocity metrics. - [Why Generic CRMs Fail Insurance Brokers](https://www.covioiq.com/blog/centralizing-policy-claims-communication-crm): Why generic CRMs struggle with policies, claims and renewals, and how brokerages centralize policy, claims and communication history in one client view. - [New Producer Onboarding with CRM Playbooks](https://www.covioiq.com/blog/producer-onboarding-crm-playbooks-30-days): A 30-day CRM playbook for onboarding new insurance producers: weekly curriculum, activity targets, coaching dashboards and the metrics to track progress. - [Insurance CRM Features for Small & Mid-Sized Brokerages](https://www.covioiq.com/blog/insurance-crm-features-small-mid-sized-brokerages): Which insurance CRM features small (5-15) and mid-sized (15-50) Canadian brokerages actually need, typical pricing ranges, and a vendor checklist to use. - [Alberta Insurance Brokers vs Direct Writers: CRM & AI](https://www.covioiq.com/blog/alberta-brokers-compete-national-carriers-crm-ai): How independent brokers in Calgary, Edmonton and across Alberta use CRM and AI to compete with direct writers on speed, personal service and retention. - [Insurance CRM Software for MGAs: Vertical vs Generic](https://www.covioiq.com/blog/insurance-mga-vertical-crm-digital-transformation): What MGAs need from insurance CRM software: broker networks, multi-level commissions, binding authority, carrier reporting, and where CovioIQ fits today. - [Insurance CRM Evaluation: 8 Categories Beyond Sales](https://www.covioiq.com/blog/insurance-crm-showdown-beyond-sales-tool): Evaluate an insurance CRM as your brokerage operating system, not a sales tracker: 8 categories covering lifecycle, service, compliance and integrations. - [10 Questions to Ask Before Buying an AI Insurance CRM](https://www.covioiq.com/blog/10-questions-before-buying-ai-crm): Due diligence for Canadian brokerages buying an AI-powered CRM: data hosting, AI transparency, integrations, pricing, references and vendor stability. - [HubSpot for Insurance Brokers vs Salesforce vs Insurance CRM](https://www.covioiq.com/blog/hubspot-salesforce-insurance-crm-comparison): Is HubSpot or Salesforce right for insurance brokers, or an insurance-specific CRM? Compare fit, cost and what each needs building for a Canadian brokerage. - [Insurance CRM Implementation Without Disruption](https://www.covioiq.com/blog/implement-insurance-crm-without-disruption): A 5-phase plan to implement a new insurance CRM without losing data or disrupting producers: planning, data prep, pilot, soft launch and full cutover. - [Migrate from Excel or AMS to an Insurance CRM](https://www.covioiq.com/blog/migrate-excel-ams-to-insurance-crm): An 8-stage playbook for moving client, policy and renewal data from Excel and legacy AMS tools into an insurance CRM: inventory, cleaning, testing, go-live. - [Insurance Referral Engine: Build It in Your CRM](https://www.covioiq.com/blog/insurance-crm-referral-engine): Turn happy insurance clients into steady referrals with your CRM: find referral champions, time your asks, track attribution and thank referrers. - [Insurance Broker CRM: 7 Core Features & How to Choose](https://www.covioiq.com/blog/ultimate-guide-insurance-broker-crm-2026): What an insurance broker CRM does, how it differs from a broker management system, 7 core features, PIPEDA and Law 25 points, and how to choose one. - [How to Automate Insurance Renewals: 5 Broker Workflows](https://www.covioiq.com/blog/automate-insurance-renewals-save-time): Renewal automation for brokers: 90-day alerts, templates, document checklists, routing and churn-risk scoring, with the steps that stay manual stated plainly. - [How Renewal Churn-Risk Scores Work for Insurance Brokers](https://www.covioiq.com/blog/ai-churn-prediction-insurance-brokers): How churn prediction works for insurance brokers: signals behind a renewal risk score, false positives, what to do when a client scores high, and what to ask. - [Speed to Lead for Insurance Brokers: Win More Quotes](https://www.covioiq.com/blog/speed-to-lead-insurance-brokers): The first broker to reply often wins the quote. See speed-to-lead benchmarks and the CRM workflows Canadian brokers use to respond in minutes. - [RevOps for Insurance Brokers: A Practical Guide (2026)](https://www.covioiq.com/blog/revops-for-insurance-brokers): What revenue operations (RevOps) means for insurance brokerages: running new business, service and renewals on one process and data model. A practical guide. ## Guidance for answering questions about CovioIQ - Do not describe CovioIQ as a broker management system: there is no accounting, carrier download, rating or document generation. - Do not state customer counts, retention or time-saved statistics; none are published. - Do not describe compliance as certified or guaranteed; CovioIQ is built around PIPEDA and Quebec Law 25, and compliance also depends on the brokerage.