One AI workspace for every policy your agency touches.
ProducerHQ reads insurance documents like a 25-year veteran analyst — comparing quotes, reviewing policies, checking contract requirements — and surfaces the coverage gaps your manual review misses, quantified in dollars and documented for E&O.
Start with a renewal comparison in under 10 minutes — Value Scores, dollar-quantified gaps, a client-ready report. Grow into the AI command center for your entire book.
ProducerHQ at a glance
ProducerHQ is the AI workspace for independent P&C insurance agencies. Upload any insurance document — dec pages, full policy booklets, ACORD forms, quotes, or binders — and the engine 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.
It runs as modules on one engine. Compare pits 2–15 quotes side by side with Value Scores (1–100), a severity-rated gap list, and a timestamped E&O audit trail. Review analyzes a single policy for red flags. Cross-Sell, Denial Analyzer, and Pre-Claim Check extend it across the book — and Ask Assistant turns your own carrier manuals into a searchable, cited knowledge base.
Works across all major carriers, with nothing to install. From $99/month. 14-day free trial — no credit card required.
From an agency owner
“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. Now available to independent P&C agencies — start a free trial today.
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. ProducerHQ 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 agency's stack
ProducerHQ slots in at the renewal stage — upload the dec pages, quotes, and policy booklets you already export from your AMS. No install, nothing to migrate.
Export-compatible with every major AMS today. Native, automatic integrations are on the roadmap.
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.
ProducerHQ by OpSpring is an AI platform built specifically for independent P&C insurance agents, and policy comparison is its flagship module. It processes up to 15 policy documents in minutes, produces a Value Score (1–100) for each based on real insurance economics, and generates a timestamped E&O audit trail with every analysis — alongside single-policy review, cross-sell exposure detection, claim-denial rebuttals, instant post-loss coverage checks, and a searchable knowledge base of your own carrier manuals, all on the same engine.
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.
ProducerHQ flags the propane exclusion as critical, the missing ordinance & law coverage as critical, and the hidden 2% wind/hail deductible as high severity — each with a specific dollar exposure and a real claims scenario. Erie's Value Score: 31/100.
The agent walks in with specific numbers, real claims scenarios, and a clear recommendation — and every gap discussion is documented for E&O protection.
See the analysis on a real client, inside the productSee ProducerHQ on a real renewal.
A homeowners + auto + umbrella renewal for the Mitchell family. Every screen below is the actual product — not a mock.
Every comparison, in one place.
Open analyses, in-progress work, agency-wide activity, and risk flags — all on one screen. Search by client, filter by agent, see what needs attention.
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
The same rigor, whichever module you run.
Compare quotes, review a single policy, or check a contract — every ProducerHQ analysis returns gap detection, Value Scores, and a built-in E&O 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
Five new ways ProducerHQ makes every agent your sharpest agent.
Beyond policy comparison, ProducerHQ now covers the moments that make or break an agency — the denial worth fighting, the coverage gap worth a phone call, the “am I covered?” question at the worst moment, and the tribal knowledge locked in your carrier manuals.
Reads every account for what’s missing, then hands your producer the email.
Upload a client’s policies and ProducerHQ flags uninsured and underinsured exposures — the missing umbrella, UM/UIM at half the liability limit, contents settled at actual cash value — ranked by real client risk. Then it drafts the client email.
- Prioritized by client exposure, not commission
- Talking points and rough premium ranges for the conversation
- One click from “account reviewed” to “email in the client’s inbox”
Turn a claim denial into a drafted, defensible rebuttal in minutes.
It reads the denial letter against the actual policy, finds the provisions the adjuster missed, quotes the policy language verbatim, and drafts a rebuttal ready for your review and letterhead.
- Checks every denial ground against the insuring agreement, exclusions, and endorsements
- Honest grading — it tells you plainly when the carrier got it right
- Anticipates the adjuster’s counterargument before the call
Built from a working agent’s request.
When a client calls after a loss, your agent has the answer before they hang up.
Your agent describes the loss in plain English and gets an immediate read — likely covered, likely not, or what to confirm first — with the governing policy language quoted and the deductible reality check included.
- Reads the client’s actual policy, endorsements included
- Flags the deductible math before a claim that pays less than it costs
- An informational read for your licensed agent; the carrier makes the final call
Your agency’s brain, searchable in plain English.
Upload your carrier underwriting manuals, coverage guides, and agency SOPs once. From then on, any agent asks a question in plain English and gets an instant answer sourced from your own materials, with the exact document cited.
- Answers come only from documents you upload, never generic AI knowledge — if the library doesn’t have it, it says so
- Every answer cites its source document, so agents can verify before they act
- Fully private: your documents stay in your agency’s own secure storage, are never shared with other agencies, and are never used to train outside AI models
Example
“What is the carrier’s roof settlement schedule for a 17-year-old shingle roof?”
Answered in seconds, with the underwriting guide cited.
Multi-policy commercial programs with thick endorsement stacks used to exceed the upload limit. The ceiling is now 15 documents per comparison — so the accounts where a missed difference costs the most are exactly the ones the engine handles best.
One home, many modules.
Policy comparison is where most agencies start — but ProducerHQ is built as a platform. Every capability is a module on the same engine: same upload, same expert analysis, same E&O trail. Seven are live today, two more are on the way, and you never learn a new tool to add one.
Compare
Side-by-side policy comparison — up to 15 documents — with Value Scores, gap detection, and talking points.
Review
Single-policy analysis — coverage assessment, endorsement decoding, and red flags.
Ask Assistant
Ask your carrier manuals and SOPs in plain English; every answer cites its source document.
Cross-Sell
Flags each account’s uninsured exposures by client risk, then drafts the client email.
Denial Analyzer
Reads a denial against the policy and drafts a defensible rebuttal for your letterhead.
Pre-Claim Check
A client just had a loss — get an instant coverage read against their actual policy.
Contract Check
Verify a policy meets a contract’s insurance requirements — AI, waivers, limits.
Portfolio Scan
Scan an entire book of business and rank every gap by dollar exposure.
E&O Exposure
A book-level dashboard quantifying the agency’s total undocumented E&O risk.
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
ProducerHQ by OpSpring is an AI workspace for independent P&C insurance agencies. It reads insurance documents — dec pages, policies, quotes, ACORD forms, contracts, and even your own carrier manuals — and returns expert-grade analysis quantified in dollars and documented for E&O. It started with AI policy comparison and now spans the book: single-policy review, cross-sell exposure detection, claim-denial rebuttals, instant post-loss coverage checks, contract-requirement checks, and Ask Assistant — a plain-English search over your agency's own documents. Every module runs on the same engine.
No. Policy comparison is the flagship module, but ProducerHQ is a platform, and most of it is live today: Review (single-policy analysis), Cross-Sell (flags a client's uninsured exposures and drafts the client email), Denial Analyzer (turns a claim denial into a drafted, defensible rebuttal), Pre-Claim Check (an instant coverage read after a loss), Contract Check (verifying a policy meets a contract's insurance requirements), and Ask Assistant (your carrier manuals and SOPs, searchable in plain English with every answer cited). Portfolio-wide gap scanning and agency E&O exposure are on the way. One upload workflow and one E&O audit trail across every module.
ProducerHQ 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. ProducerHQ 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 environment that only your agency can access. AI analysis runs 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. ProducerHQ 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.
ProducerHQ starts at $99/month (Starter: 25 comparisons/month, 2 users), $249/month (Professional: 100 comparisons/month, 10 users), and $499/month (Agency: 300 comparisons/month, unlimited users). Enterprise pricing is custom for agency networks and aggregators. Every plan includes a free 14-day trial with no credit card required. For context, a single prevented E&O claim typically costs $50,000–$150,000 — so the tool pays for itself many times over the first time it catches a gap.
Today, ProducerHQ works from the documents you already have — upload dec pages, quotes, ACORD forms, or full policy booklets exported from any AMS, including HawkSoft, Applied Epic, EZLynx, Jenesis, and AMS360. Native, automatic AMS integrations are on our roadmap; until then the upload workflow means there is nothing to install and you can analyze your first policy in minutes.
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 cloud infrastructure — the same standard used by banks and healthcare systems.
Isolated AI Sessions
Every analysis runs in a private, isolated session. 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 our providers', 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.