AI policy comparison that finds the gaps your manual review misses.
Upload policy documents. Get expert-grade comparison analysis in minutes — with coverage gaps quantified in dollars, not jargon.
Upload 3 competing quotes. Get a comparison dashboard with Value Scores, coverage gaps quantified in dollars, and a client-ready report — in under 10 minutes.
Propane/LPG excluded entirely. Client's highest-severity risk is uninsured.
Coverage Intelligence at a glance
Upload 2–10 competing insurance quotes — PDFs, Word docs, scanned images, or photos. The AI reads every page like a 25-year veteran underwriter: decoding endorsements, calculating true deductible-adjusted costs, and flagging coverage gaps by severity with real dollar impact.
In under 10 minutes you get a full comparison dashboard with Value Scores (1–100) for each document, a severity-rated gap list with specific dollar amounts and claims scenarios, pre-written client talking points, and a timestamped E&O compliance audit trail.
Works with dec pages, full policy booklets, ACORD forms, quotes, and binders across all major carriers. From $199/month. 14-day free trial — no credit card required.
Currently in Private Beta
“I ran my first comparison and found a propane exclusion my team had missed for two renewal cycles. That's an E&O claim we never have to worry about now.”
— Independent agency owner, 12-person team
Built by a team with deep insurance industry experience. Currently onboarding agencies for early access.
Built for independent P&C insurance agencies
Solo producers and small teams (1–15 staff)
You're doing comparison work that should take a junior analyst — manually, in Excel, under time pressure. Coverage Intelligence gives you expert-grade output in the time it takes to make coffee.
Commercial lines specialists
BOP, property, GL, E&S — the complexity that causes missed endorsements and E&O exposure is exactly what the engine is trained on. Every gap is rated by severity with a real claims scenario.
Agency owners focused on retention and compliance
Every comparison generates a documented audit trail: what was compared, what gaps were found, what the client was told, and when. That's your E&O protection — built in, not bolted on.
Works with your existing workflow. If you use Jenesis, Applied Epic, HawkSoft, or EZLynx as your AMS, Coverage Intelligence slots in at the renewal stage — upload the docs you already have, get the analysis, export the report.
What is AI policy comparison for insurance agents?
AI policy comparison is the automated analysis of two or more insurance policy documents — including declarations pages, endorsements, and schedules — to identify differences in coverage limits, exclusions, sub-limits, deductibles, and settlement methods.
Unlike manual review or comparative raters, AI-powered tools read and interpret actual policy language, decode carrier-specific endorsement codes, and quantify coverage gaps in dollar terms rather than flagging abstract risk language. A $8,500 premium difference means nothing without knowing whether the cheaper policy exposes your client to a $150,000 uninsured loss.
Coverage Intelligence by OpSpring.ai is an AI policy comparison tool built specifically for independent P&C insurance agents. It processes 2–10 policy documents in under 10 minutes, produces a Value Score (1–100) for each document based on real insurance economics, and generates a timestamped E&O compliance audit trail with every comparison.
Why manual policy comparison costs independent agents time, revenue, and E&O exposure.
Manual policy comparison costs you time, exposes you to E&O risk, and lets critical gaps slip through.
The average E&O claim against an independent insurance agent costs between $50,000 and $150,000 in legal defense and settlement — before carrier surcharges or reputational impact.
Source: IIABA (Independent Insurance Agents & Brokers of America) E&O Happens program.
Your clients deserve better analysis. Your agency deserves better protection. And you deserve to stop spending half your day in spreadsheets.
What a $8,500 savings actually costs
A hardware store with a propane refilling station. 1958 building. $2.28M gross sales. Three quotes on the table.
Propane/LPG Exclusion
Erie excludes LPG/propane coverage entirely.
The client's highest-severity single-event risk is completely uninsured. A propane explosion at the refilling station could cause hundreds of thousands in damages with zero coverage.
Propane/LPG Exclusion
Erie excludes LPG/propane coverage entirely.
No Ordinance or Law Coverage
On a 1958 building, code upgrades are 100% out of pocket.
Hidden Deductible Exposure
2% wind/hail deductible = $13,000 exposure.
Settlement Method Downgrade
Business personal property switched from replacement cost to ACV.
Business Income Gap
Extended period: 60 days vs. 365 on current policy.
Water Backup Quietly Removed
Renewal dropped water backup despite a prior $8,420 claim.
Strong coverage, well-endorsed
Good, but watch water backup removal
Cheap for a reason — catastrophic gaps
The agent walks into the client meeting armed with specific numbers, real claims scenarios, and a clear recommendation. Every gap discussion is documented for E&O protection. That's what expert analysis looks like.
How AI policy comparison works: upload, analyze, review, document.
Upload your documents. Review the dashboard. Share the report. Expert-grade analysis without the expert-level time investment.
Drop files here or browse
PDF, DOCX, TXT, PNG, JPG
Coverage Intelligence features: gap detection, Value Scores, and E&O compliance trail.
Value Scores (1-100)
Every document scored on real insurance economics — not just premium price.
- Coverage breadth and endorsement quality
- Deductible-adjusted premium (true annual cost)
- Gap penalty weighted by severity
- Quantifies what "cheaper" actually costs
Coverage Gap Detection
The 5-10 most significant gaps, rated by severity with dollar impact.
- Critical, High, Medium, Low severity ratings
- Real-world claims scenarios with dollar amounts
- Endorsement removals between policy periods
- Sub-limits, coinsurance penalties, exclusions
E&O Compliance & Audit Trail
Built-in documentation that protects you from Errors & Omissions liability.
- Gap acknowledgment tracking per finding
- Agent notes and client decision recording
- Timestamped compliance PDF export
- Complete activity log for every comparison
Client-Ready Reports
Professional comparison reports your clients actually understand.
- Executive summary in plain English
- Coverage gaps translated — no jargon
- Recommendation with supporting rationale
- Editable, brandable, print-ready PDF
ROI for insurance agencies: time saved, E&O risk reduced, revenue protected.
saved per comparison
value per comparison
saved (typical agency)
return on investment
average E&O claim cost
from 1 retained account
Independent agents and agency staff cite administrative work and service tasks among the most time-consuming parts of their day — time that could otherwise go toward selling, retention, and client advising.
Break-even: The tool pays for itself at just 5 comparisons per month (10 hours saved). Most agencies do 20-50. One prevented E&O claim pays for 10+ years of the subscription.
Other Tools Extract Data. We Deliver Analysis.
Raters get you quotes. Data extractors pull fields into spreadsheets. Neither tells you what the differences actually cost your client at claim time.
Quantified, Not Qualified
Every gap comes with a dollar amount and a real claims scenario — not vague risk language. Your clients see exactly what "cheaper" costs.
Endorsement Fluency
Reads and decodes every carrier's endorsement codes into plain English with real-world impact. Before: "HO 04 77." After: what it actually means at claim time.
True Cost, Not Sticker Price
Deductible-adjusted premium shows the real annual cost. A $8,500 "savings" with $13,000 in hidden deductible exposure isn't a savings.
Built-In E&O Protection
Every gap is documented, every discussion is logged, every client decision is timestamped. Compliance isn't an add-on — it's how the tool works.
Ask Follow-Up Questions
"What would the client lose by switching?" Get answers grounded in the actual comparison data, with specific dollar amounts — not generic AI responses.
Walk In Prepared
Pre-written talking points, renewal negotiation strategies, and exact underwriter questions — generated from your specific comparison, not templates.
Simple, Transparent Pricing
Every plan includes every core analysis feature — no gated compliance tools, no paywalled gap detection.
Professional
Mid-size agencies with multiple producers
Agency
Large & multi-location agencies
Enterprise
Agency networks & aggregators
Every plan includes
Frequently asked questions about AI policy comparison for insurance agents
Coverage Intelligence is built with deep insurance domain expertise across all lines of business. It reads endorsements, calculates deductible-adjusted premiums, and identifies coverage gaps using the same logic a 25-year veteran analyst would — but systematically, across every field, every time. Every finding includes specific dollar amounts and real claims scenarios, not vague risk language.
No. It gives you better information, faster. You still make the recommendation and have the client conversation. Coverage Intelligence handles the time-consuming analysis so you can focus on what you do best — advising your clients.
All major lines: homeowners, commercial property, general liability, auto, workers comp, umbrella, cyber, D&O, EPLI, builders risk, inland marine, and more. Accepts PDF (text-based or scanned), DOCX, TXT, and images (PNG, JPG). Works with dec pages, full booklets, ACORD forms, quotes, binders, and issued policies across all major carriers.
Yes — and this is non-negotiable for us. Your documents are encrypted in your browser, transmitted over TLS, and stored in an encrypted AWS environment that only your agency can access. AI analysis runs through Amazon Bedrock in a private, isolated session — the AI reads, analyzes, and the session ends. Your data is never retained by the AI model, never added to any training dataset, never visible to any other customer, and auto-deleted after 90 days.
Comparative raters help you get quotes from multiple carriers. Coverage Intelligence helps you understand what those quotes actually mean. We analyze the policies themselves — limits, endorsements, exclusions, sub-limits, settlement methods — and tell you what the differences cost in real dollars at claim time. Different problem, different tool.
Every comparison generates a full audit log: what was analyzed, what gaps were found, what severity was assigned, whether each gap was acknowledged or discussed, agent notes on each item, and client decisions. You can export a formal E&O documentation PDF with all acknowledgments and timestamps.
Yes. Professional and Agency plans include team management with role-based access — Owner, Admin, Agent, and Viewer roles. Invite agents via email, assign comparisons, and track usage across the team.
Your Data Never Trains AI. Ever.
Encrypted End-to-End
AES-256 encryption at rest, TLS in transit. Documents encrypted the moment they leave your browser. SOC 2-aligned AWS infrastructure — the same standard used by banks and healthcare systems.
Isolated AI Sessions
Every analysis runs in a private, isolated session through Amazon Bedrock. No other customer can see your data. The AI reads, analyzes, and the session ends. Documents auto-delete after 90 days.
Your Data Stays Yours
Your documents are never used to train, fine-tune, or improve any AI model — not ours, not Amazon's, not anyone's. We will never sell, share, or monetize your data. Full stop.
Your Next Renewal Comparison Should Take Minutes, Not Hours
14-day free trial. No credit card required. Full analysis on your first upload.
Cancel anytime. No long-term contracts.