Every policy, read like a 25-year analyst.
ProducerHQ is AI policy comparison and coverage gap software for independent P&C agencies, built by OpSpring. It reads dec pages, quotes, ACORD forms, contracts, even your own carrier manuals, and reasons through them like a 25-year analyst. A comparison that takes two hours by hand comes back in minutes, every finding quantified in dollars, every conclusion documented for E&O.
Put a 25-year analyst on every desk in your agency.
Getting your agency into AI shouldn't take a data team, an IT project, or a six-month rollout. Upload a policy, and ProducerHQ reasons through it the way a veteran would, line by line, endorsement by endorsement, then shows its work in dollars. That's the whole setup.
It reads every page, not just the fields
Dec pages, endorsements, schedules, the fine print nobody has time for. It understands what each provision actually does when a claim hits, not just what box it lives in.
It reasons through the loss before it happens
It doesn't just list differences. It works out what each one costs at claim time and stress-tests the policy against the losses most likely to hit this specific client.
It shows its work, in dollars
Every conclusion is quantified and traced back to the exact policy language, so you, your client, and your E&O file can all see exactly how it got there.
Increased Amount of Coverage
Pays to rebuild to today's building code after a covered loss, the part a standard limit won't touch.
Without it, this 1958 home faces an estimated $40,000+ in code-upgrade costs at claim time.
Back on every comparison
Two hours of manual reading, done in minutes. Your producers advise instead of decode. Typical range, scoped per engagement.
The decision stays with you
You see the wording and the math, and your decision goes into the E&O record.
Priced, not described
Each one carried through to its dollar impact and traced back to the policy language behind it.
Of judgment on every desk
Your newest hire reads a policy like your most senior, from day one, without the decade.
AI won't replace the independent agent. But the agent who reads every policy with it will out-advise the one who doesn't.
The $8,500 "savings" that would have cost the client $13,000.
A hardware store with a propane refilling station. A 1958 building. Three quotes on the desk. Here's where a fast read and a careful one part ways.
What your agent walks in with
Not "Ironbridge looks cheaper." Three named exposures, each priced, each traced to the policy language, and a recommendation the client can act on.
A comparative rater gets you the quote. ProducerHQ tells you what it costs at claim time, and files the whole conversation for E&O before the client hangs up.
Illustrative example. Endorsement codes and figures shown for demonstration.
Add a capability, not another tool.
Ten workflows in one workspace, sharing one client record and one E&O audit trail. Your team learns it once, and the AI analyses come back in minutes, not the afternoon they take by hand.
Put up to 15 quotes and policies side by side and see what changed, with every coverage gap rated by severity and its dollar impact.
- Where the documents differ, and the policy language behind it
- Gaps priced in dollars, not "significant difference"
- Client talking points and a timestamped E&O trail
One policy, fully assessed: Review reads the whole document, decodes endorsements into plain English and flags what a veteran would circle in red.
- Full coverage assessment from one upload
- Every endorsement decoded into plain English
- Red-flag detection on exclusions and limits
Drop in the contract and the policy, and Contract Compliance verifies the insurance requirements are actually met before your client signs.
- Additional insured and waiver verification
- Required limits checked line by line
- Shortfalls flagged before signature
Upload your carrier manuals, coverage guides and SOPs once, and any agent can ask a plain-English question and get an answer that cites the document.
- Library answers name the exact source document
- General insurance answers are labeled as such
- Private: never used to train outside AI models
Turns a claim denial into a drafted, defensible rebuttal, reading the denial against the actual policy and quoting its language.
- Reads the denial against the actual policy
- Quotes policy language verbatim, cites the section
- Grades honestly when the carrier got it right
Reads an account for what's missing, like the absent umbrella or UM/UIM at half the liability limit, and drafts the outreach email.
- Prioritized by exposure, not commission
- Catches the quiet gaps clients never ask about
- Drafts the client email, ready to send
After a client's loss, your licensed agent gets an instant coverage read: likely covered, likely not, or what to confirm first.
- Governing policy language quoted
- Deductible reality check before expectations set
An informational read. The carrier makes the final determination.
Turn a finished comparison, review or cross-sell into a form your client signs, accepting or declining each recommendation.
- Drafted from the analysis, edited by you before it goes out
- E-signature on a private link, or print it for a wet signature
- The signed record shows who signed, when, and what they saw
Records the client's decisions. It does not replace a state-required rejection form.
See the renewals coming due in the next 30 to 120 days, track who you've reached, and draft a renewal letter for each client.
- Upcoming renewals grouped by how soon they come due
- Letters say you shopped it only when the analysis shows you did
- Edit every line, print on your letterhead, mark it sent
The renewal pipeline reads your Book Analytics data.
See your whole book by carrier, producer, line and county, from a live HawkSoft or NowCerts sync or the AMS reports you already export.
- New business against cancellations, year by year
- Click a chart to see the policies behind it
- Print any dashboard on your letterhead
Recorded in ProducerHQ with a demo agency. Every client, carrier and figure on screen is fictional.
Put up to 15 quotes and policies side by side and see what changed, with every coverage gap rated by severity and its dollar impact.
- Where the documents differ, and the policy language behind it
- Gaps priced in dollars, not "significant difference"
- Client talking points and a timestamped E&O trail
Scan the entire book and rank every gap by dollar exposure.
A book-level dashboard quantifying the agency's total undocumented E&O risk.
Denial Analyzer started as one working agent's request. Tell us what to build next.
Request a workflow →Upload. Read. File the proof.
The same three steps, whichever workflow you run. No templates, no re-keying, no integrations to stand up.
Upload what you have
Dec pages, full policies, quotes, ACORD forms, contracts, carrier manuals: the PDFs exactly as the carrier sent them.
Get the veteran read
It reasons through every page (decoding endorsements, weighing each gap, stress-testing the claim) and returns severity-rated gaps, every finding quantified in dollars with the policy language behind it.
File the proof
Every analysis is timestamped and archived to a client-ready report. When the E&O question comes years later, the answer is already on file.
One caught gap pays for years. The rest is margin.
The math owners run before they sign anything.
Sources: IIABA E&O Happens program · Vertafore 2024 Insurance Agency Workforce Report
Built for the day someone asks you to prove it.
Your clients trust you. Your E&O carrier trusts paperwork. ProducerHQ is engineered for both.
Every analysis leaves a trail
Timestamped, archived, exportable. E&O documentation is produced as you work, not reconstructed after.
Cited, verbatim
Findings quote the governing policy language and name the exact source document. No unsourced answers.
Honest by design
Denial Analyzer grades when the carrier got it right. Pre-Claim Check labels itself an informational read. The carrier makes the final call.
AI that reads your files and never trains on them.
Independent agencies handle their clients' most sensitive documents. ProducerHQ sends them to its AI only to produce your analysis, and they are never used to train AI.
Your documents are never used to train AI models.
Your files are stored on Amazon Web Services, our app runs on Vercel, and our AI runs through a frontier model provider’s commercial API. All three hold independent SOC 2 audit reports. Your documents are never used to train AI. Your files are analyzed and the results returned to you, and they are never sold.
No model training
Your documents are analyzed, never used to train AI. Library answers come only from the materials your agency uploaded, with the document cited. General insurance answers are labeled as general knowledge.
Encrypted in transit & at rest
AES-256 encryption at rest on Amazon Web Services, and TLS for every upload and every page.
Separated by agency
Every file is stored under your agency's own prefix and every request is checked against your agency, so another agency's users can't reach your documents.
Audited providers
Your files are stored on Amazon Web Services, our app runs on Vercel, and our AI runs through a frontier model provider’s commercial API. All three hold independent SOC 2 audit reports.
Roles & an audit log
Owner, Admin, Agent and Viewer roles control who can change settings and run work. Sign-ins, views and exports are logged.
Your data, on request
Documents stay with your agency’s records, which is what makes the E&O file work. If you need a document removed or a copy of your data, ask us.
What comes back, every time.
One upload, one credit. This is the output, whichever workflow produced it: the same shape whether you ran a comparison, a single-policy review, or a denial rebuttal.
What changed, and where
The differences between the current policy, the renewal and the quotes, and where in the documents each one is.
Gaps rated by severity
Each one carried to its dollar impact: "$13,000 deductible exposure," not "significant difference."
Endorsements in plain English
HO 04 77 comes back as a sentence your client understands, not a code you have to look up.
The governing language, quoted
Every finding names the source document and quotes the clause it rests on, so you can check the page it came from.
Talking points for the call
The findings rewritten as things you can actually say to a client, ready before you pick up the phone.
A timestamped E&O record
Documents in, findings out, report filed, produced as you work rather than reconstructed years later.
The agencies already running it.
Independent agencies, in their own words, quoted as written and used with permission.
I've had the opportunity to demo and trial a number of insurance technology platforms over the last 6 months, and [ProducerHQ] has been unlike any other. … ProducerHQ isn't just another agency tool, it's a partner that's helping us work smarter, reduce risk, uncover opportunities, and better serve our clients every single day.
Liz ShultzJensen-Sundquist Insurance AgencyAs an insurance broker with a heavy construction book, ProducerHQ has been a game changer! I love how it does policy comparisons as an actual risk advisor. It can find the coverage gaps and explain why it's a coverage gap based on the operations of the business. Additionally, I greatly appreciate the contract comparison tool. I often have to sift through multiple contracts and review against the insurance program to make sure the insured is compliant. ProducerHQ saves me so much time.
Brenda NoriegaPrincipal Owner · Noriega Risk PartnersEvery feature, every seat, every plan.
Three plans, Starter, Growth and Enterprise, with nothing gated behind any of them: every workflow and unlimited seats on all three. They differ by how many analyses you run each month and by support level. We look at your book together, run the workflows on policies you bring, and go through pricing on the call.
Tell us about the agency
Size, book mix, the AMS you run, and roughly how many comparisons cross your desk in a month. Two minutes on the form, and we come to the call already knowing your shop.
Watch it read your own policies
Not a slide deck and not a sandbox account. Bring two live quotes or a renewal off your desk and we run them in front of you, so what you judge is what it catches on your business.
Pick the plan that fits your volume
Starter, Growth or Enterprise. Every plan carries every workflow and unlimited seats, and the three differ by how many analyses you run each month (25, 50 or 100 credits) and by support level. We go through pricing on the call.
Every plan includes
The full engine ships on day one on every plan. Plans change monthly volume, not capability, and seats are unlimited.
The questions principals ask.
Credits, custody, accuracy, and what happens when someone asks you to prove what you knew.
Put a veteran analyst on every desk today.
Bring two quotes off yours to the call. If ProducerHQ doesn't catch something you'd want to tell the client, you'll know inside half an hour.
ProducerHQ demo
AI-generated decision support. Verify every finding against the actual policy documents before advising a client. This is not a coverage determination. Harborlight, Kettle Creek and all carriers shown are fictional.
Read the transcript
Intro
Renewal season. A current policy, a renewal, a cheaper quote: 25 pages of forms. Your client wants to know which one to take.
We're ProducerHQ, built by OpSpring.
We help independent agencies see what changed between policies and quotes, and where the documents say so. You decide what to recommend.
This is your agency's workspace. Every comparison your team runs lands here, next to your clients, sign-offs, renewals and book of business.
One renewal, start to finish
Kettle Creek Hardware renews November first. You upload the current policy, Northline's renewal, and a quote from Lakeshore.
The renewal costs $1,300 more. Lakeshore is $2,400 less than today. Price is the easy part.
The renewal's declarations still show a $2,500 deductible.
But on page six, a new endorsement makes wind and hail 2 percent of each limit.
ProducerHQ caught that and did the math: up to $40,400 from one storm, instead of $2,500.
It checked the roof too. A new depreciation schedule means a $118,000 roof claim could pay as little as $3,400.
A new propane endorsement makes certified employees and a written fill log conditions of coverage.
The application on file says two of the six are certified, and there's no log.
The cheaper quote leaves out the rental business. If a rented excavator rolls over, $352,000 falls on Kettle Creek.
You stay in charge. You see the wording and the math, and your decision goes into the E&O record.
Taking it to the client
Your client gets a plain-English report on your letterhead, and you can edit any line of it.
They pick an option, accept or decline each item, and sign from their phone.
Your file shows what you showed them and what they chose, right on the client's profile.
The rest of your week
With the add-on modules, the rest of your week runs here too: a first read on a new loss, and grounds to dispute a denial.
Cross-sell openings, and the renewals coming due.
A library for your own carrier manuals and procedures, and your whole book of business in one view.