🛡️ FLAIRE for Insurance Agencies
Quote to bind to renewal on one platform. ACORD intake, carrier comparison, client portal, commission and contingency tracking, and a renewal pipeline that doesn't let books leak. Compliance gated into every stage.
Why agencies lose accounts they shouldn't
Most agencies run an AMS, a separate CRM nobody opens, a carrier-comparison rater, a document portal, and email for everything else. Books leak at the seams — missed renewals, slow quote turnaround, and commission disputes that never fully resolve.
Prospect requests a quote Tuesday, gets your proposal Friday, and has already bought a direct policy by Wednesday. Manual data entry into carrier portals is where the hours go.
90-day renewal lists live in spreadsheets. Producers chase the big accounts and forget the long tail. A 5–10% renewal-leakage rate is silently the largest line item on your P&L.
Carrier statements arrive in 12 different formats. Producer splits, override hierarchies, and contingency back-calcs are done by hand. Disputes drag for quarters before they get fixed — or written off.
Take the application once; type it five times into five carrier portals. CSRs lose hours on data entry that should have happened once. The client experience suffers; mistakes get expensive when an underwriter binds the wrong limit.
Built for how agencies actually operate
Three persona-based plays. Pick the one that matches your book — or run multiple under one tenant if you span personal lines, commercial, and benefits.
Independent P&C Agency (1–25 producers)
Personal lines (home, auto, umbrella), small commercial (BOP, work comp), and the occasional life policy. The wins come from quote turnaround that beats the direct writers, renewal discipline that holds the book, and a client portal that doesn't look like 1997.
Auto-quote, homeowners-quote, and BOP-quote landing pages that capture exactly the ACORD-required fields. Forms feed Nova as qualified leads with the line tagged.
Every quote tracked by carrier, status, and decision date. Renewals drop into the producer's calendar 120/90/60/30 days out automatically — nothing slips because nobody owned it.
Carrier statements parsed automatically, producer commissions calculated with splits and overrides, contingency planned by carrier, premium-trust accounts kept separate per state DOI rules.
Clients view policies, download ID cards, request COIs, file claims, and upload loss runs through one HIPAA/PII-aware portal. CSRs work the queue instead of the phone.
Sync with AMS360, Applied Epic, or HawkSoft. Pre-fill carrier portals from the application; download policy documents and post them to the policy record automatically.
Deep dive into quote pipelines, renewal sequences, cross-sell scoring, and the producer-book-of-business view tailored for P&C agencies.
Mid-Size Commercial Agency / Broker (10–100 staff)
Larger commercial accounts, specialty lines, surplus and E&S brokerage, programs. Account executive + account manager pairs, complex submissions, multi-carrier placements. The play is submission discipline, marketing follow-through, and contingency planning at the carrier level.
Every submission tracked per carrier per market: declined, indicated, bound, lost. Account executive sees which carriers have responded and which need a nudge before the bind date.
Multi-tier commission splits (producer, AE, AM, override), carrier-by-carrier contingency back-calc, year-end profit-sharing reconciliation. The compensation conversation finally has numbers.
AE, AM, claims advocate, and risk-control consultant work the account from a shared Echo workspace. SLAs on certificate requests, claims advocacy, and policy-change endorsements.
Vertical practice pages (contractors, manufacturers, healthcare, hospitality) with industry-specific risk content, gated whitepapers, and submission forms that route to the right account exec.
Daily carrier downloads parsed and posted to the policy. Renewal cadences fire at 120/90/60/30 with stewardship-meeting prompts on accounts above premium thresholds.
Life & Health / Group Benefits Agency
Group benefits, individual L&H, Medicare, and supplemental. Open-enrollment seasons, eligibility tracking, and a longer education-driven sales cycle. The play is becoming the trusted advisor to HR, not just the broker who shows up at renewal.
Track every group's renewal date, plan year, eligibility count, and stewardship cadence. Aria flags groups whose claims experience signals a tough renewal — so you're ready, not surprised.
HR contacts and members submit eligibility changes, claims questions, and ID-card requests through Echo. SLAs by request type; escalation to carrier service queues built in.
Branded enrollment microsite per group with plan comparisons, decision-support tools, and election capture. Replaces the PDF benefits guide nobody read.
Weekly eligibility files posted to carriers, terminations processed within DOL deadlines, COBRA notifications auto-triggered, ACA reporting prep on the calendar.
One policy, quote to renewal
A single policy from first quote request to year-three renewal — running across all five products without re-keying ACORD data into five carrier portals.
Line-of-business landing page (auto, BOP, work comp) ranks for "{city} {line} insurance." Form captures the ACORD-required fields once, with disclosure language baked in.
Quote request lands in Nova, scored by line, premium estimate, and producer specialty. Routes to the right desk with the appointment record showing which carriers the agency is licensed and appointed for in that state.
Pulsar takes the application once and pre-fills the carrier portals the producer selects. Quotes come back; the comparison view sits on the lead record without re-typing anything.
Proposal delivered through the Echo portal with side-by-side carrier options. Client e-signs the application; payment plan or premium financing captured. Bind request fires.
Policy documents land in the policy record. Atlas posts the premium to the trust account, calculates the producer commission and override, and queues the carrier statement reconciliation.
Nova drops the policy into the 120/90/60/30 renewal cadence. Aria flags cross-sell signals (mortgage refinance → umbrella, growing payroll → work-comp review). Renewal is a conversation, not a fire drill.
Go deeper on each product
Every FLAIRE product is preconfigured for insurance agencies — ACORD templates, carrier appointments, renewal cadences, commission rules, and trust-account separation seeded on day one.
Quote pipeline, submission tracking by carrier, renewal cadences, producer book-of-business view, cross-sell scoring, and stewardship-meeting prompts.
See how Nova fits →Carrier statement parsing, producer commissions with overrides, contingency back-calc, premium trust accounting, and agency P&L with producer-level views.
Explore Atlas →Line-of-business quote pages, industry-vertical risk content, gated proposals, and open-enrollment microsites for group benefits clients.
Explore Vega →Client portal for policies, ID cards, COIs, claims; account-team workspace per commercial client; HR/member service desk for group benefits with SLAs.
Explore Echo →AMS connectors (AMS360, Applied Epic, HawkSoft), carrier-portal pre-fill, daily downloads, ACORD form generation, eligibility EDI for benefits agencies.
Explore Pulsar →Five products at a discount versus buying each separately. Shared client record, shared portal, shared AI — from day one.
See bundle pricing →Compliance baked in
Insurance is regulated at the state level by every DOI, with overlays from NAIC model rules, TCPA, GLBA, and DOL. FLAIRE captures the right artifacts at the right times so license audits, premium-trust audits, and E&O claims are routine instead of reconstruction projects.
Per-producer state licenses, lines authorized, expiration dates, CE credits, and carrier appointments tracked centrally. Renewal and CE-shortfall reminders 90/60/30 days out.
Atlas keeps premium trust funds separate from operating funds at the GL with per-state DOI rules. Trust-account reconciliation is monthly, not annual catch-up.
Surplus lines premium tax tracked per state, broker affidavits and diligent-search documentation captured per binding. Quarterly state filings prepared automatically.
Every quote, proposal, coverage rejection, and client communication logged per policy with timestamp. If an E&O claim ever arrives, the defense file is already built.
Quote to bind to renewal — one connected platform.
Configure FLAIRE for your P&C agency, commercial brokerage, or benefits practice in days. Carrier appointments, ACORD templates, and renewal cadences seeded on day one. 15-day trial, no credit card.
Insurance templates seeded on day one · Cancel anytime