Every policy, read like a 25-year analyst.
ProducerHQ by OpSpring is the AI workspace built for independent P&C agencies. 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.
A score on every quote
A comparison ends in a ranking you can defend, not an impression you have to justify.
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.
Every workflow runs on the same AI reasoning engine, the same upload workflow, and the same E&O audit trail. Your team learns it once, and every one returns in minutes, not the afternoon it takes by hand.
Compare
Put up to 15 quotes and policies side by side. Compare scores each one 1–100, rates every coverage gap by severity with its dollar impact, and hands you the talking points for the client call.
Review
One policy, fully assessed. Review reads the whole document, decodes endorsements into plain English (HO 04 77 becomes a sentence your client understands), and flags what a veteran would circle in red.
Ask Assistant
Upload your carrier underwriting manuals, coverage guides, and SOPs once. Any agent asks a question in plain English and gets an instant answer sourced only from your own materials, with the exact document cited.
Cross-Sell
Reads an account for what's missing (the absent umbrella, UM/UIM at half the liability limit, contents at ACV), ranks each exposure by real client risk, and drafts the outreach email for you.
Denial Analyzer
Turns a claim denial into a drafted, defensible rebuttal. It reads the denial against the actual policy, quotes the language verbatim, and anticipates the adjuster's counterargument before you send it.
Pre-Claim Check
After a client's loss, your licensed agent gets an instant coverage read (likely covered, likely not, or what to confirm first), with the governing policy language quoted and a deductible reality check.
An informational read. The carrier makes the final determination.
Contract Check
Drop in the contract and the policy. Contract Check verifies the insurance requirements are actually met (additional insured, waivers of subrogation, required limits) before your client signs.
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 Value Scores and 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, then forgets them.
Independent agencies handle their clients' most sensitive documents. ProducerHQ's AI reads them, returns the analysis, and keeps none of it for itself.
Your documents are never used to train AI models.
Not ours, not any third party's. Your files are analyzed and the results returned to you, never absorbed into a model, never pooled with another agency's data, never sold. It's written into every plan.
No model training
Your documents are analyzed, never used to train AI. Ask Assistant answers only from what your agency uploaded, nothing else.
Encrypted in transit & at rest
AES-256 at rest, TLS in transit. Files are encrypted the moment they leave your browser and stay that way.
Your own isolated storage
Files live in your agency's own storage, in a private session that's never visible to another agency.
SOC 2-aligned infrastructure
Hosted on infrastructure aligned to SOC 2 controls and monitored around the clock.
Role-based access & audit
Decide who on your team sees what. Every action is logged, so access stays accountable.
You own it, you delete it
Your data is exportable on request, and you can request deletion of specific documents whenever you need. Always your data.
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.
A Value Score, 1–100
On every quote and every policy you put in, so a comparison ends in a ranking rather than an impression.
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 PartnersPriced for the size of your shop.
Every price is right here. No demo to sit through, no sales call to book, no waiting on a custom quote. Every plan runs the full analysis engine; pick by volume and team size.
Every plan includes
The full engine ships on day one; tiers change volume, not capability.
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.
Start with two quotes off yours. If ProducerHQ doesn't catch something you'd want to tell the client, don't keep it.